Wirex One Membership – how it works

Wirex One membership is a tiered programme that links your benefits to your portfolio structure. From the moment you open a Wirex One account, you start benefiting from the membership. There is no subscription fee and no requirement to lock funds to participate. Your tier adjusts automatically as your portfolio changes.

Membership structure

The membership operates across five tiers: Base, Premium, Elite, Private, and Bespoke.

Tier qualification is based on two parameters:

• The total value of your Wirex One portfolio
• The proportion of that portfolio held in $WPAY — the more you hold, the more you unlock

Members with a portfolio below $500 remain on the Base tier. Once the portfolio reaches the relevant threshold, the tier is determined by the $WPAY ratio — the share of your total portfolio held in $WPAY.

Both conditions must be met at the same time to qualify for the tier.

Your Total Portfolio Value includes:

• Available fiat and crypto balances held in your Wirex One account
• Eligible assets held in Earn accounts

All balances are calculated in USD equivalent at the market rate.

How tier qualification is assessed

Your tier is recalculated daily and again following any relevant account activity — deposits, withdrawals, or trades. Tier upgrades are applied immediately. Downgrades are subject to a 24-hour grace period before taking effect.

What your tier unlocks

Your tier determines the full scope of your membership — cashback rates, earn boosts, the card type issued to you, and access to exclusive perks. The benefits available at each tier continue to expand as the programme grows.