At Wirex, we offer a unique feature called X-Accounts — a smart way to earn interest on your crypto and traditional currency holdings. Whether you're looking for full flexibility, a balanced commitment, or long-term returns, we’ve got an X-Account type to suit your investment goals.
You can choose between three types of X-Accounts: Flexible, Plus, and Fixed. Below, we’ll break down the key differences and help you decide which one is right for you.
X-Account Flexible – Full Access and Daily Control
Flexible X-Accounts are ideal for users who want instant access to their funds and don’t want to commit to a term. You can top up or withdraw anytime, with no fees. Interest is variable and may change based on market conditions and your Wirex subscription plan.
Best for:
Short-term holding
Users testing the product
Quick-access to funds
X-Account Plus – Balanced Approach
Plus X-Accounts offer fixed interest rates and are designed for users who are comfortable locking funds, but still want the option to withdraw with some notice.
To withdraw, you’ll need to submit a request — funds become available after a 30-day notice period.
Best for:
Medium-term saving goals
Users who want higher interest but may need access with notice
X-Account Fixed – For Long-Term Growth and Higher Returns
Fixed X-Accounts offer the highest interest rates in exchange for a fixed commitment. You select a term (e.g. 1, 3, 6, 12, or 24 months), lock your funds, and receive stable, weekly rewards. At the end of the term, your account becomes Flexible automatically — giving you full access to your balance again.
Best for:
Long-term saving strategies
Users seeking predictable, stable income
Individuals with no short-term spending plans for these funds
Choosing the Right X-Account for Your Goals
Your perfect X-Account depends on your saving style and risk appetite:
Want full control and no commitment? Go for Flexible
Need higher interest with some flexibility? Stick with your Plus account (or consider upgrading)
Ready to commit maximizing your potential rewards? Choose a Fixed term that fits your goal
Criteria Comparison
| Criteria | Flexible | Plus | Fixed |
| Interest rate (APY) | Variable | Fixed while funds are locked | Fixed for the full term |
| Interest payout frequency | Weekly | Weekly | Weekly |
| Payment currency | In-Kind or WXT | In-Kind or WXT | In-Kind or WXT |
| Term options | None | None | Up to 24 months (varies by currency) |
| Access to funds | Anytime | Locked for a time, unlocked 30 days after you request the withdrawal | Locked during term, becomes Flexible after term ends |
| Top-ups | Anytime | Anytime | Anytime |
| Plan & Tier dependent | Rates may be boosted by your subscription plan or tier (Standard, Elite, Premium) | Rates may be boosted by your subscription plan or tier (Standard, Elite, Premium) | Rates may be boosted by your subscription plan or tier (Standard, Elite, Premium) |
It is essential to note that investing in cryptocurrency involves risks, and the value of cryptocurrencies can be volatile. Before depositing funds in an X-Account, it is important to do your research and understand the risks involved. Furthermore, it is critical to invest only money that you can afford to lose.