Cost Transparency Disclosure

Wirex is committed to providing transparent, fair, and clearly disclosed pricing for all crypto-asset services, in full alignment with the Markets in Crypto-Assets Regulation (MiCA) and Italian regulatory guidance for CASPs (Crypto-Asset Service Providers).

All fees, commissions, and network costs are displayed to users before the execution of each transaction. By using Wirex services, users acknowledge and accept the fees listed on this page.

Scope of Fees

The fees described in this disclosure apply to the following services offered by Wirex:

• Crypto-asset trading and exchange services
• Purchases of crypto-assets via debit or credit card
• Blockchain transfer services
• Custody and account maintenance for inactive accounts
• Recovery services for misdirected crypto-asset transfers

Fees may vary based on market conditions, network congestion, promotional programmes, and regulatory requirements. The latest applicable fees are always visible within the Wirex app or web platform prior to confirming a transaction.

Price Formation for Crypto-Asset Exchanges

Wirex determines crypto-asset prices based on real-time market data aggregated from external liquidity providers and trading venues.

Wirex does not act as a market maker and does not set prices arbitrarily. Prices shown in the app are executable firm quotes that include:

• Market bid/ask data
• Spread reflecting execution costs, liquidity, and slippage risk
• Applicable trading fees

Price quotes may change due to liquidity conditions or market volatility. Users always see the final execution price and total costs before confirming a transaction.

Trading Fees (Crypto-Asset Exchange Services)

Fixed percentage-based trading fees apply to each exchange transaction:

Fees are deducted from the spending currency and reflected in the quoted exchange rate. All fees are displayed to users before execution.

Crypto Purchases via Debit or Credit Card

Crypto purchases made using debit or credit cards are subject to a processing fee.

• Current fee: 0% (promotional programme)

• Standard fees outside promotional periods:

  - 0.8% for purchases funded with fiat or stablecoins

  - 2.3% for purchases funded with other crypto-assets

The applicable fee is always shown in the app before payment confirmation.

Blockchain Network Fees (On-Chain Transfers)

Transfers to external wallets may incur blockchain network fees (“gas fees”), which are:

• Determined by the blockchain network
• Not retained by Wirex
• Subject to conditions such as network congestion and transaction size

Wirex provides a real-time estimate of network fees before a transfer is confirmed.

Recovery Fee

Wirex may, at its discretion, attempt to recover crypto-assets sent to an incorrect or incompatible blockchain address, where technically feasible.

• Recovery Fee: €0
• Service provided on a best-effort basis
• Recovery is not guaranteed
• Unsupported blockchains or assets may be non-recoverable

Service Fee

Wirex applies a Service Fee to accounts that remain inactive for a prolonged period, to cover operational and custodial costs associated with maintaining dormant accounts.

i. Inactivity Definition

A user is considered inactive if no qualifying activity occurs for 9 consecutive months. Qualifying activities include:

• Deposits
• Withdrawals
• Crypto-asset exchanges/trades
• Card transactions

ii. Fee Applicability

• Applies per user, not per currency account
• Applies only to customers of Wirex Digital Services S.r.l. within the EEA
• X-Accounts are excluded from the Service Fee

iii. Fee Amount

Once inactive:

• Service Fee: 0.75% of the end-of-month balance
• Minimum charge: €5 per month
• Fee cap: never exceeds the account’s available balance
• Charged in the currency in which the balance is held

iv. Notification and Reactivation

• Users receive 30 days’ advance notice before the first fee
• Fees apply only after the date of publication and are not retroactive
• If the user becomes active again, the Service Fee stops immediately
• Fees already collected are not automatically refunded

Fee Visibility and Transparency

Wirex ensures full visibility of all applicable fees prior to transaction execution. Users can access:

• Exact fees and charges for each operation before authorising it
• Transaction history showing all applied fees
• Updated fee information via the Wirex platform and this page