Euro cards: pick Euro as your main currency and spend euros at zero fees (Wirex cards)
Wirex cardholders can set Euro as their main currency, deposit EURC into a euro balance and pay euro purchases with no FX fee, or use soUSD with Credit mode. How to switch currency, what counts as a euro purchase, fallbacks and refunds.
If your Solid Card is issued by Wirex, your card is a euro card. You can pick Euro as your main currency, hold a euro balance in EURC and pay zero fees on your euro spending, with no conversion and no FX fee. You can also stay in dollars and still pay euro purchases from EURC. This article explains who can use it, how to pick your main currency, and exactly how each purchase is paid.
Live now: the Main currency setting (US dollar or Euro), the euro balance funded with EURC, zero-fee euro payments from it, and zero-fee euro payments from soUSD with Credit mode. Coming soon: yield on your euro balance. It is not available yet; we will announce it in the app when it is.
Who can use it
Euro cards are available on Solid Cards issued by Wirex, which covers the EU and EEA, the United Kingdom, Switzerland and the other Wirex countries. Cards issued by Rain, including in the United States, are not included for now. See Where the Solid Card is available.
The quickest check: open your card in the app and tap Manage card. If you see a Main currency row, you are eligible.
Main currency: US dollar or Euro
Your main currency decides how your card balance is shown and which currency you pay in by default. Every card starts in US dollar. You can change it anytime, as often as you like.
How to switch
- Open your card, tap Manage card, then Main currency.
- Pick Euro (or US dollar). Each card shows your balance in that currency and what changes when you pick it.
- Tap Switch to Euro. The first time you switch to Euro, the app asks for a one-time approval with your passkey to let your card pay with EURC. After that, switching in either direction is instant.
The passkey approval is a one-time authorisation on your wallet. Your EURC stays in your wallet until you pay, and switching back to US dollar later does not undo it: EURC stays on and keeps covering your euro purchases.
What each choice does
| US dollar (default) | Euro | |
|---|---|---|
| Your balance shows in | Dollars | Euros |
| You pay by default in | Dollars | Euros (from your EURC) |
| Euro purchases | Paid from EURC once it is on, no FX fee | Paid from EURC, no FX fee |
| Dollar purchases | Paid from dollars, no fee | Paid from dollars, no fee |
| Purchases in any other currency | Converted to dollars, 1.5% FX cost | Charged in euros and paid from EURC one for one, no FX fee from Solid |
With Euro as your main currency, the Available to spend amount, the card screen and the Spend mode sheet show euros. Your total balance on the home screen stays in dollars for now.
No EURC yet? You can still pick Euro. A No EURC yet banner appears under the two currency cards; tap Add EURC to open the deposit screen. Until EURC lands, your purchases are paid from your dollar balance as before. When EURC arrives and your card is not set up to use it yet, we send you a notification that opens the Main currency page.
Two ways to spend euros with zero fees
Way 1: deposit EURC into a euro balance
- Send EURC on the Base network to your Solid wallet address (under Settings > Account, or via Add Funds > Crypto > Share your deposit address with the network set to Base, or from Manage card > Main currency > Add EURC). EURC deposits are free.
- Go to Manage card > Main currency, pick Euro and approve once with your passkey. You can switch back to US dollar afterwards if you prefer dollar balances; EURC stays on either way.
- Pay in euros. A euro purchase your euro balance covers is taken in euros, one for one, with no FX fee.
Your euro balance is held in EURC, a euro stablecoin issued by Circle (the issuer of USDC). One EURC is always worth one euro. Two things to get right: send EURC on Base only, and to your Solid wallet address, not to a Savings vault deposit address, which only accepts its own asset. If you sent EURC on the wrong network or to the wrong address, contact support from the app before doing anything else.
Euro bank transfers are not yet credited to the euro balance: a SEPA or cash deposit still lands in your dollar balance as today.
Way 2: hold soUSD and turn on Credit mode
You do not need to deposit euros at all. Keep your money earning in Savings as soUSD, switch your card to Credit mode, and your euro purchases are covered from your soUSD with no FX fee. Your savings keep earning while you spend. Credit mode follows its own rules, including the collateral and borrowing limits shown in the app.
You can use both: the euro balance is used first, and Credit mode covers the rest.
How euro card payments are taken from your balance
What counts as a euro purchase. A purchase charged by the merchant in euros is always a euro purchase. If your main currency is Euro, purchases in any other currency (pounds, Swedish krona, Thai baht and so on) are also charged to your card in euros, so they are paid from EURC one for one as well. If your main currency is US dollar, those other-currency purchases are converted to dollars by the card network at your card provider's exchange rate, which includes the 1.5% FX cost, exactly as before. Dollar purchases are always paid from your dollar balance, whatever your main currency.
1. A euro purchase your euro balance covers is paid in euros, one for one. If the amount charged to your card is in euros and your euro balance has enough to pay the whole amount, we take exactly that amount in euros. A €15.00 purchase takes €15.00. Nothing is converted and there is no FX fee.
2. If your euro balance can't cover the whole purchase, it is paid from your dollar balance. When your euro balance is short, even by a cent, the whole purchase is paid from your dollar balance (USDC or your USD savings), converted at the exchange rate at the time of payment, and the 1.5% FX cost built into that rate applies. We never split one purchase between your euro and dollar balances. With Credit mode on and enough soUSD, the purchase is covered from your soUSD instead, with no FX fee.
3. You are only charged one exchange rate per purchase. However a purchase is paid, we apply a single conversion to it. We never convert the same purchase twice.
4. The FX cost only applies when your money was actually converted.
- A euro purchase paid from your euro balance: no FX fee.
- An other-currency purchase with Euro as your main currency, paid from your euro balance: no FX fee from Solid.
- A euro purchase covered by soUSD in Credit mode: no FX fee.
- A euro purchase paid from your dollar balance: the 1.5% FX cost, built into the exchange rate.
- An other-currency purchase with US dollar as your main currency: your card provider's rate with the 1.5% FX cost, unchanged.
The full FX breakdown is in Solid fees and limits: the complete overview.
5. Refunds come back in dollars, at the rate you paid.
- Paid in dollars: a refund goes to your dollar balance as USDC, even if you paid for the purchase from your euro balance.
- Same rate as the purchase: it is valued at the rate the purchase was charged at, not the rate on the day of the refund. A full refund gives back what the purchase cost you, however rates have moved since.
- Cashback is taken off: if the cashback on the purchase was already paid, it is subtracted from the refund. If it was still pending, it is cancelled and the refund is paid in full.
- No matching purchase: a credit that doesn't match a purchase on your card is converted at the rate on the day it is processed.
Examples
| Purchase | Main currency and balance | What we take |
|---|---|---|
| €15.00 coffee | Euro or US dollar, €50.00 in EURC | €15.00 from your euro balance, no FX fee |
| €15.00 coffee | €10.00 in EURC, Credit mode off | About $17 from your dollar balance, 1.5% FX cost included in the rate |
| €15.00 coffee | €0, Credit mode on with soUSD | Covered from your soUSD, no FX fee |
| £20.00 in London | Euro, €50.00 in EURC | Charged to your card in euros (about €23) and taken from your euro balance, no FX fee from Solid |
| £20.00 in London | US dollar, €50.00 in EURC | Converted to dollars by the card network, 1.5% FX cost included, exactly as before |
| $30.00 online | Euro, €50.00 in EURC | $30.00 from your dollar balance, no fee |
Coming next
Euro yield. Your euro balance will earn yield the way your dollars do in Savings. Not available yet; it will be announced in the app when it goes live.
Good to know
Do I have to pick Euro to pay euro purchases from EURC? No. Once EURC is on, euro purchases are paid from your euro balance whichever main currency you pick. Picking Euro changes how your balance is shown, makes euros your default, and routes other-currency purchases through euros too.
I already turned on euro spending before this update. What changes? Nothing to do. EURC is already on for your card and your euro purchases keep being paid from it. Your main currency stays US dollar until you switch it.
Can I switch back to US dollar? Yes, anytime and instantly. It does not turn EURC off.
Do I have to deposit EURC? No. Hold soUSD in Savings and turn on Credit mode on your card, and your euro purchases are covered with no FX fee.
Do I still earn cashback on euro purchases? Yes. Euro purchases earn the same cashback as any other eligible card purchase, by your Rewards tier. See How does Solid Rewards work?
Is my euro balance affected by the USD/EUR rate? No. It is held in EURC, so it is always worth the same in euros between the day you deposit and the day you spend.
Where do I get EURC? On most major exchanges. Withdraw it on the Base network to your Solid wallet address.
Is there a swap behind each euro purchase? No. A euro purchase paid from your euro balance moves euros only, with no crypto-to-crypto swap. This keeps your records simpler, but Solid does not provide tax advice.
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