replied to you in PM, mate, one way or another will sort it out

when (date/time) did you get the error? has it happened again recently since you managed to load the card via the app?

The rate in the home page is the buy rate. The rate you get inside your account is the sell rate, which, naturally is a bit different. It is calculated based on what we get from our bitcoin processor

The 3% conversion fee you are referring to is a different thing - that's the FX conversion fee charged by the card issuer/Visa/MasterCard when you use your card in a currency different from the card's currency (i.e., pay in EUR with a USD card or in CAD with a EUR card).

Unfortunately, changing PIN via ATM is the only way for the time being; if/when the card issuer gives us a possibility to do so via API, we will certainly integrate such function. However, it is quite a security sensitive operation, so, don't expect that to happen in the near future

Blocking/changing the mobile number is one of the ways to get rid of the SMS, although not the most straightforward:)

are you using the app or web version?
there were some issues at the bank's end again yesterday (the last week has been quite abnormal!) but all should be working now

lots of accusations, most with no grounds or reasons.
On the particular issues with pending buy transaction, have you contacted support? Has it not been resolved? If not, what's your registered e-mail?

On the rest - don't say it just because you think so. Those are serious accusations which should not be thrown around for no reason

thanks for your detailed and constructive feedback.

On the cons:
1) rate - strange that you are seeing such differences, although the rate you are getting with wirex/e-coin is different from exchanges (which is normal, as those are two different kinds of services), but the difference should not be that high
2) yes, indeed, it's proving to take more time and effort than originally expected. We have considerably increased our dev team, yet, the transition is still ongoing. On the positive side, the convenience and functionality of the renewed site and service will be considerably improved
3) It should be possible not with the issuing bank's ATM, but with any ATM supporting the function. Appreciate that not all ATMs support it, and we can't really direct you to the ones they do, you just need to try different ones. Have you tried 10 different banks in Europe, and none of them offered the option?
4) SMS notifications are compulsory by the issuing bank, it's a security measure. If you really don't want them, you could write to our support team and we will ask the bank to disable them for your particular account. Push notifications work alright, correct?

there have been some issues on the bank's side last week, where cards were not working - not just for loading, but for spending transactions as well. They are telling us those have been resolved now, please, keep us posted if you still face any issues

normally virtual cards are issued within seconds. If that is not the case, there must be an issue.
what's your registered e-mail?

yes. All resolved now

эти изменения происходят, когда происходят задержки со стороны банка. В данном случае, понедельник был у них выходным днем, отсюда и вторник. Работаем над этим, ситуация за последние пару месяцев существенно улучшилась, хотя конечно все еще далека от идеала. Будем работать и дальше, надеюсь, скоро решим кардинально

the first two were kindly answered for you by @Jeremycoin, and indeed, all those figures are available on both e-coin.io and wirexapp.com

For the 3rd one, there is no direct way to do so, however, you can fund it via bank transfer or alternative payment methods (such as Alipay, Qiwi, etc.) which may allow you to use prepaid cards - but can't really tell, you would need to check directly with those service providers. Hope this helps..

where are you trying? e-coin.io, wirexapp.com or mobile app?

have you contacted support@wirexapp.com from your registered e-mail?

here is the official reply from the issuing bank:

So far our position is going in line with the following statement: Gibraltar is classed as an "Early Adopter" of the OECD's CRS (Common Reporting Standard). As such, unless otherwise defined, WaveCrest would be subject to the same reporting obligations as any other financial institution located in any jurisdiction which has adopted the CRS. However, the classes of reporting institutions have not yet been fully defined and there is a possibility that e-money firms (such as WaveCrest) may be exempted. Until such time as a final decision is taken by the authorities we will not be able to confirm fully.

So you can rely on it whenever you have such questions, until we ourselves will get more clarity regarding CRS influence on e-money.

was it mobile app or web? what's your registered e-mail?

are you talking about unverified card? loading via PayPal will be affect the limits, but it may not be reflected in our system, as you process those loads without using Wirex/E-Coin.
please, e-mail your question to support for individual check

Спасибо за цитирование банка. Держите нас в курсе. Тема очень важная думаю для многих.

Может вам напомнить через какое-то время, чтоб вы снова поинтересовались у банка?
[/quote]

да, давайте в начале след. года уточним еще раз - раньше, думаю, ничего нового не появится

вот официальный ответ от банка-эмитента:

So far our position is going in line with the following statement: Gibraltar is classed as an "Early Adopter" of the OECD's CRS (Common Reporting Standard). As such, unless otherwise defined, WaveCrest would be subject to the same reporting obligations as any other financial institution located in any jurisdiction which has adopted the CRS. However, the classes of reporting institutions have not yet been fully defined and there is a possibility that e-money firms (such as WaveCrest) may be exempted. Until such time as a final decision is taken by the authorities we will not be able to confirm fully.

So you can rely on it whenever you have such questions, until we ourselves will get more clarity regarding CRS influence on e-money.

как видите, основной посыл - пока не все понятно. Однако и бросаться сломя голову везде все отправлять и отчитываться никто не собирается.

wirexapp.com is not up and running yet due to ongoing transition from e-coin.io

You can use the service with full functionality either via web at https://e-coin.io or via Wirex mobile app in Apple Store or Google Play.

Once wirexapp.com is out, it will offer multiple new cool features in addition to the existing ones

has your request been addressed by support yet? if not, what is your registered e-mail?