How cashback works
Modified on Fri, 4 Sep at 3:52 PM
Every eligible card transaction earns cashback in USD — not in crypto, not in tokens. Cashback accrues automatically with no action required on your part.
Cashback rates by tier
| Base | Premium | Elite | Private | Bespoke | |
|---|---|---|---|---|---|
| Cashback rate | 0.50% | 1.00% | 3.00% | 5.00% | 8.00% |
The rate applied to a transaction is determined by the tier you hold at the time of the transaction. If your tier changes after a transaction has settled, cashback already credited is not adjusted.
Cashback is credited to your Rewards balance once a transaction has fully settled. Settlement may take a short period after a transaction completes.
Which transactions earn cashback
Cashback is earned on eligible card purchases. Not all transactions qualify — the sections below set out what is excluded.
Transactions not eligible for cashback
The following transaction types do not earn cashback:
- ATM withdrawals. Cash withdrawals made with your Wirex One card at ATMs or over the counter at financial institutions are not eligible.
- Cash advances. Cash advance transactions at banks or other financial institutions are not eligible.
- Crypto purchases. Transactions used to purchase cryptocurrency via your Wirex One card are not eligible.
- Gambling transactions. Any transaction made at a gambling establishment — including casinos and online gambling platforms — is not eligible.
- Refunded or cancelled transactions. If a transaction is refunded, cancelled, or returned, any cashback associated with it will not be credited or will be reversed.
Merchant Category Codes excluded from cashback
Cashback is not paid on transactions processed under the following Merchant Category Codes (MCC):
| MCC | Description |
|---|---|
| 4304 | MCC unknown |
| 4829 | Money Orders Wire Transfer |
| 5292 | MCC unknown |
| 5295 | MCC unknown |
| 5415 | MCC unknown |
| 6010 | Financial institutions Manual cash withdrawal |
| 6011 | Financial institutions Cash withdrawal automatically |
| 6012 | Financial institutions Cash withdrawal automatically |
| 6022 | Financial Institution RCL Internal |
| 6023 | State Banks RCL Internal |
| 6025 | National Banks RCL Internal |
| 6026 | National Banks Non Federal RCL Internal |
| 6028 | Unincorporated Private Banks RCL Internal |
| 6050 | Financial institutions trade and services |
| 6051 | Financial institutions quasi-cache YANDEX.MONEY FastLife.su ETC |
| 6211 | Non-financial institutions - quasi-cache |
| 6300 | Insurance Sales, Underwriting, and Premiums |
| 6529 | Remote Stored Value Load Financial organizations |
| 6530 | Remote Stored Value Load vendor |
| 6531 | Payment for services money transfers |
| 6532 | Payment transaction financial institution |
| 6534 | Money Transfer Financial Institution |
| 6535 | Claims on Values Financial Institutions |
| 6536 | MasterCard MoneySend inside the country |
| 6537 | MasterCard MoneySend between countries |
| 6538 | MasterCard MoneySend Funding |
| 6539 | Transaction on financing excluding MoneySend |
| 6540 | Transactions on financing POI except MoneySend |
| 6611 | Overpayment down payments |
| 6760 | Bonds of Savings Loan |
| 7012 | Time shar Hotel |
| 7399 | Business Services |
| 8664 | MCC unknown |
| 8999 | Professional Services |
| 9034 | I-Purchasing Pilot |
| 9211 | Judicial payments including alimony and child support |
| 9222 | penalty |
| 9223 | Payments on bonds and bonds |
| 9311 | Tax payments |
| 9399 | Government services nowhere else classified |
| 9401 | I-Purchasing Pilot |
| 9402 | Postal services are only governmental |
| 9405 | Government procurement only government |
| 9411 | Payments on the state loan |
| 9700 | Automated Referral Service VISA |
| 9701 | Credential Verification Service Visa |
| 9702 | Emergency services GCAS only VISA |
| 9950 | In-house purchases |
| 9999 | MCC unknown |
If you have a question about a specific transaction, contact our support team.
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