X-Accounts Plus is a fixed interest rate account type offered by Wirex. The interest rate varies depending on the cryptocurrency that you choose to hold in the account, but it generally offers a higher rate than X-Account Flexible.
One of the biggest advantages of X-Accounts Plus is the high interest rate, which can be beneficial for users who are willing to lock up their cryptocurrency holdings for a period of time. However, this is also a drawback for users who value flexibility and may need to access their funds sooner.
Key Features
| Feature | Description |
| Interest rate | Set when you open the account and stays the same |
| Interest payout frequency | Weekly |
| Payment currency | In-Kind or WXT, based on your choice |
| Access to funds | Locked for a time, unlocked 30 days after withdrawal request |
| Top-ups | Add more funds anytime |
| Plan & Tier dependent | Rates may be boosted by your subscription plan or tier (Standard, Elite, Premium) |
Things to Keep in Mind
No early withdrawals – funds are locked until you request withdrawal in the app. Once requested, a 30 days notice period will begin. After this period, your funds will be unlocked.
No switch back to in-Kind – if you upgrade to WXT payment, the change is permanent
Your rate depends on your Plan & Tier – Standard, Premium, and Elite users get different base rates and WXT boost options