How to Use Wirex as the Perfect Multi-Currency Travel Card

Travelling is expensive — and not just because of flights and hotels. Hidden FX markups, poor exchange rates, ATM fees, and cards that stop working abroad can quietly eat into your budget. 

Wirex offers a smarter alternative: a multi-currency travel debit card combined with a global money app and the Wirex Travel platform.

Together, they let you hold multiple currencies, convert at transparent rates, book travel, and spend worldwide — all while keeping FX costs under control. 

Why Wirex Is a Top Travel Card in 2026 

Wirex combines everyday spending tools with travel-focused features that traditional banks often lack. 

1. Multi-Currency Holding 

With Wirex, you can hold: 

• major fiat currencies (such as USD, EUR, GBP — availability varies by region) 

• stablecoins 

• cryptocurrencies 

This lets you prepare for trips in advance instead of relying on airport exchange desks or poor card rates abroad. 

2. Low FX Fees & Transparent Rates 

   
   

Wirex uses competitive, transparent exchange rates and shows all fees upfront in the app. You can: 

• convert currencies before your trip 

• convert only when you spend 

• avoid hidden FX markups common with traditional bank cards 

This is especially useful if you’re visiting multiple countries on one trip. 

3. Global Card Acceptance 

The Wirex Card works anywhere Visa or Mastercard is accepted (depending on region), including: 

• hotels 

• restaurants 

• transport 

• online travel bookings 

• international retailers 

One card, global spending. 

4. Local ATM Access 

Wirex allows ATM withdrawals abroad (subject to regional limits and fees), giving you access to local cash when needed — without relying on expensive exchange counters. 

5. Integrated Travel Booking with Wirex Travel 

Wirex users can also book accommodation through the Wirex Travel platform, which allows you to: 

• browse and book hotels and stays 

• access competitive travel rates 

• pay using your Wirex Card 

• keep travel spending within the same ecosystem as your everyday finances 

This makes Wirex not just a travel card, but a complete travel finance solution. 

Before You Travel: Set Up Your Wirex Card Properly 

A few minutes of preparation can save you money and stress later. 

1. Preload Your Card 

Add funds to your Wirex account via: 

• bank transfer 

• card top-up (region-dependent) 

• crypto or stablecoin deposits 

Make sure you have enough balance for the full trip, plus a buffer. 

2. Convert Currencies in Advance 

If you know where you’re going: 

• convert part of your balance into the local currency 

• lock in a rate you’re comfortable with 

This helps protect you from FX fluctuations while travelling. 

3. Set Card Notifications 

Before departure: 

• enable instant transaction notifications 

• ensure freeze/unfreeze is easy to access 

These features are especially valuable while travelling. 

While Travelling: How to Pay Smartly 

1. Paying In-Store or Online 

When you pay with Wirex: 

• your local currency balance is used first (if available) 

• otherwise, Wirex converts from another fiat, stablecoin, or crypto balance in real time 

2. How to Avoid DCC (Dynamic Currency Conversion) Fees 

One of the most common travel mistakes is accepting DCC at payment terminals. 

When prompted: 

• Always choose to pay in the local currency 

• Decline “Pay in EUR/USD/GBP” if offered abroad 

This ensures Wirex handles the conversion at transparent rates, not the merchant or terminal provider. 

3. ATM Withdrawals Abroad 

• Use bank-operated ATMs rather than private machines 

• Be aware of local ATM operator fees 

• Decline DCC if the ATM offers currency options 

Wirex will apply the conversion instead. 

After Your Trip: Make the Most of Leftover Funds 

1. Exchange or Reuse Leftover Currency 

After returning home, you can: 

• convert unused foreign currency back to your main balance 

• swap into stablecoins 

• keep it for future trips 

No last-minute airport exchanges required. 

2. Earn Rewards on Travel Spending 

In eligible regions, Wirex users earn Cryptoback™ rewards on card purchases, including: 

• hotels 

• dining 

• transport 

• online travel bookings 

Your travel expenses can continue working for you even after the trip ends. 

Best Destinations for Wirex Users 

Wirex performs particularly well in regions with strong card infrastructure: 

• Europe — easy multi-country travel with consistent card acceptance 

• UK — seamless GBP spending 

• Southeast Asia — card-friendly cities plus ATM access 

• Australia & New Zealand — reliable Visa/Mastercard coverage 

• North America — strong support for card payments and travel bookings 

Always check local card acceptance and ATM availability before departure. 

Conclusion 

Travelling doesn’t have to mean overpaying on FX and fees. With Wirex, you can hold multiple currencies, spend globally, book accommodation through Wirex Travel, and keep all your travel finances in one place. 

👉 Get your Wirex travel card and start travelling smarter. 

FAQs  

Is Wirex one of the best travel cards in 2026? 

Wirex is a strong option for travellers who want multi-currency support, transparent FX rates, global card acceptance, and integrated travel booking through Wirex Travel. 

Does Wirex charge FX fees when spending abroad? 

FX fees may apply depending on currency and region, but Wirex shows rates transparently and avoids hidden markups common with traditional bank cards. 

Can I use Wirex as a travel debit card? 

Yes. Wirex works as a travel debit card for online, in-store, and ATM spending worldwide. 

Can I book travel with Wirex? 

Yes. The Wirex Travel platform allows users to book accommodation and pay using their Wirex account. 

How do I avoid extra fees when travelling with Wirex? 

Pay in local currency, avoid DCC, convert currencies in-app when rates are favourable, and use trusted ATMs. 

DISCLAIMER: The information contained herein is not intended as, and shall not be understood or construed as, financial advice. Wirex and any of its respective employees and affiliates do not provide financial, legal, tax or investment advice. The information contained herein has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for financial, legal, tax or investment advice. 

If you have any questions regarding Wirex please feel free to get in touch with us directly via our Customer support team.