Pick IZIPAY for email signup, no passport or selfie, and a one-time card price from $49.99. Pick Crypto.com if you already use its app and want card rewards by tier. Pick Wirex if you accept identity checks and want a free virtual card with bank transfers and cashback.
IZIPAY publishes this comparison, so we have a stake in the result. We checked Crypto.com and Wirex against their own pages, and we list the points where they beat us.
Quick verdict: which of the three cards fits you?
- IZIPAY suits you if you will not share ID documents, you hold USDT or USDC, and you want a card for AI tools, ad accounts or online payments in about 2 minutes.
- Crypto.com suits you if you live in a supported market, already keep funds in its app, and want a tier that matches your spending.
- Wirex suits you if you want a free card with no monthly fee, plus bank transfers and cashback, and you are fine with identity checks.
Both larger providers ask for more up front and often cost less. IZIPAY asks for less and costs more to start.
How do the three cards compare?
This table reflects the providers' own pages as of November 2026. Terms change and differ by country, so confirm them with each provider before you fund a card.
| IZIPAY | Crypto.com | Wirex | |
|---|---|---|---|
| Card price | One-time: $49.99 virtual, $59.99 Apple Pay, $459.99 physical metal | Physical Midnight: $4.99 in the US. Ruby: $29.99 for Level Up Plus monthly subscribers with less than 6 months of subscription | Free issuance |
| Monthly fee | None | Free tier $0. Paid tiers $4.99 or $29.99 a month | None advertised |
| Tier alternative | None needed | 12-month CRO lockup from $500 | Balance and WPAY share, from $500 and 1% for plastic |
| Top-up cost | 3% plus network fee of $0.50 to $3.00 | US: 1% by debit card, 2.99% by credit card | Free by SEPA, Faster Payments, ACH and PIX |
| Identity checks | Email signup, no mandatory KYC for standard individual use | Name, address, date of birth, ID number. Photo ID may be requested | Photo ID, proof of address, biometric or liveness check |
| Apple Pay and Google Pay | $59.99 card only | Depends on issuing region | Yes, virtual card included |
| Card types | Virtual, Apple Pay, physical metal | Virtual and physical | Virtual, plastic, metal |
| Issuance speed | About 2 minutes | After approval | Minutes, according to Wirex |
| Availability | No service in Iran, cards do not work inside Russia | Subject to local limits | 130+ countries, subject to local limits |
What does each card cost to start?
With IZIPAY, you pay the card price once, then a fee per top-up. Buy the $49.99 virtual card and send $100 over BNB Chain, and $96.50 lands on the card. Over Tron, $94.00 lands on the card. There is no monthly fee. See our pricing page.
Crypto.com has a free tier with no lockup. Its paid tiers cost $4.99 or $29.99 a month, or you can lock CRO for 12 months instead: $500 or $5,000. The top tiers need $50,000 or $500,000 in locked CRO. In the US, Crypto.com charges 3% on non-USD purchases and ATM withdrawals with the Midnight, Ruby, Jade and Indigo cards.
Wirex lists free issuance and advertises no monthly fee. Providers with KYC are often cheaper than IZIPAY, and we say so plainly. With us, you pay to skip document checks.
Do you need to verify your identity?
Yes for Crypto.com. Its card pages say you provide your name, address, date of birth and an ID number when you apply, and it may ask for a photo ID. Your application must be approved before a card is issued.
Yes for Wirex. Its Wirex One terms call for identity verification for card products, which can include a government photo ID, proof of address from the last 6 months, and a biometric or liveness check.
No for IZIPAY. You sign up with an email address, with no mandatory KYC for standard individual use, no passport and no selfie. Our guide to the best no-KYC crypto card covers this in more detail, and how crypto cards actually work explains the basics.
Which coins and networks can you use?
IZIPAY top-ups accept only USDT or USDC, on four networks: Tron and Ethereum at $3.00, BNB Chain and Polygon at $0.50. The minimum is $5. BTC, ETH, SOL and similar coins can buy the card, but they can never top it up.
Wirex takes BTC, ETH, USDT and more across major blockchains, plus bank transfers and Visa or Mastercard. Crypto.com cards are topped up inside the Crypto.com App, and the list of funding options depends on your market, so check it there.
Which cards work with Apple Pay and Google Pay?
Wirex says its virtual card can go straight into Apple Pay or Google Pay. Crypto.com support depends on where the card is issued: Google Pay works in the US, Canada, the EU, the UK, Australia, Singapore and Bahrain.
At IZIPAY, the card decides:
- $59.99 Apple Pay Mastercard: Apple Pay and Google Pay, in stores. AI services and ad platforms do not accept it.
- $49.99 card "Only for AI and Ads": Visa or Mastercard for AI tools and ad accounts. See how to pay for AI tools with crypto.
- $49.99 Virtual Mastercard: online payments worldwide.
- $459.99 physical metal card: contactless and ATM use.
The $49.99 cards cannot be added to Apple Pay or Google Pay.
When is Crypto.com or Wirex the better choice?
- You accept identity checks and your country is supported.
- You want a free or low-cost card rather than a $49.99 one.
- You want card rewards. Crypto.com lists up to 4.5% back on its top tier, and Wirex advertises up to 8%.
- You want ATM allowances. Crypto.com lists $200 to $1,000 a month free, by tier.
- You want to fund by bank transfer or debit card.
When is IZIPAY the better choice?
- You will not or cannot share ID documents.
- You want a card in about 2 minutes with only an email address.
- You want a card built for AI tools and ad accounts.
- You want one fixed card price with no tiers, no lockup and no token to hold.
No card is accepted everywhere, and a single IZIPAY transaction can reach $10,000. For more options, read IZIPAY vs Wirex, IZIPAY vs RedotPay, IZIPAY vs Bybit Card, IZIPAY vs Wise, our crypto card comparison and which crypto credit card is best.
How do you get an IZIPAY card?
- Create an account with your email address.
- Choose a virtual card or a physical card.
- Pay for the card in crypto.
- Top up with USDT or USDC, from $5, and start paying. Our guide on paying with a no-KYC crypto card covers the next steps.