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[NeuroticFish]

They cant deduct the money from my other cards or wallets indirectly.

That's not really unexpected. They keep all those "worlds" separated.

But I had no warnings or anything. I find it a little strange.

Quite shame indeed, since it's in their best interest. Maybe you propose them add such notifications (if they don't think that far). Or did you stop all their notifications?! (asking just in case).

Gonna order a new USD card.

Please let us know how it went. Also read up: you need this only if you pay a lot in USD, else EUR/GBP cards should be cheaper.

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[gentlemand]

They responded to my ticket and said that I had insufficient founds on my USD card to cover the monthly fee.

That's weird. Mine's been kept empty for months on end and they haven't said anything. I stick some money on there and disappear again. I assumed if you keep it empty the fees back up until it's loaded again. Seems onerous to keep freezing and reopening.

[Zorg33]

They responded to my ticket and said that I had insufficient founds on my USD card to cover the monthly fee.

That's weird. Mine's been kept empty for months on end and they haven't said anything. I stick some money on there and disappear again. I assumed if you keep it empty the fees back up until it's loaded again. Seems onerous to keep freezing and reopening.

I had it empty for about 6 months before they closed it without a warning.

[NeuroticFish]

If the balance on your card account is overdrawn, you will not be able to use it until you top up the account.  If your balance remains overdrawn for 2 months in a row, both your card and card account will be closed.

Remember, card accounts have an associated maintenance of fee of approximately $1.50, charged once per month.

They do have rules about this situation. The odd part is that they didn't notify about it.
I mean, their goal is to keep their paying customers...

[stompix]

Yeah from two months stated in the T&S to six months it's quite the difference.

I checked how much I left my card and account empty and it was barely one month and a few days, they did charge me two months of maintenance on both cards but indeed, they only charge if the Euro or USD account is funded, I see in my stats that I loaded my account with bitcoin, they didn't charge anything for 3 days, and only after I transferred 100 euros then the fees got deducted.

Gonna order a new USD card.

Did they say if they are going to charge you extra for a new card?
They told me that a replacement card will be charged when I damaged my last one but it's been six months and they haven't taken one cent.

[Zorg33]

Yeah from two months stated in the T&S to six months it's quite the difference.

I checked how much I left my card and account empty and it was barely one month and a few days, they did charge me two months of maintenance on both cards but indeed, they only charge if the Euro or USD account is funded, I see in my stats that I loaded my account with bitcoin, they didn't charge anything for 3 days, and only after I transferred 100 euros then the fees got deducted.

Gonna order a new USD card.

Did they say if they are going to charge you extra for a new card?
They told me that a replacement card will be charged when I damaged my last one but it's been six months and they haven't taken one cent.

They said it takes longer than I thought, even up to a few weeks to order me a new card in this situation, because the bank puts me on a blacklist or something that has to be reverted.

[bitbollo]

https://www.channelnewsasia.com/news/business/wirecard-says-it-cannot-rule-out--fraud-of-considerable-proportions--12850566

https://www.reuters.com/article/us-wirecard-investigation-breakingviews/breakingviews-wirecard-scandal-turns-into-an-existential-crisis-idUSKBN23P24Q

https://news.bitcoin.com/crypto-card-issuer-wirecard-missing-2-1-billion-cash/

TL : DR
Wirecard the company behind wirex it seems has missing cash on their trust account (2.13 BILLIONS of dollars)
Title crashed in Frankfurt's stock market (-60%)

Spurious” cash balances provided by a third party with the aim of deceiving the auditor (E&Y)

The amount missing equals 25% of the funds on the company’s balance sheet.

However there isn't any update regarding cryptocurrencies and related product (topic's subject wirex card) I think it's better have precautions with that debit card.
Same issue also with the other card (Crypto.com)  

[gentlemand]

As far as I know Wirex use https://contis.com

https://contis.com/2018/07/17/contis-wirex-triumph-at-paytech-awards-2018/

Never heard them mention Wirecard and I expect that's typical 'crypto press' stupidity and laziness - 'Hey, it's got Wire in the name so they must be dealing with each other.' - but things change fast.

Crypto.com does use Wirecard https://blog.crypto.com/credit-debit-card-top-up/

As ever take it as a lesson that a crypto card account could croak any second. Treat it like the hot potato it is. Load and empty ASAP.

[stompix]

Yeah, they use Contis, it's at the bottom of the website, with those letters that are so small you definitely must read them because most of the times that's where the problems hide

2020 Wirex Limited (CRN 09334596), whose registered office is 34-37 Liverpool St, London EC2M7PP United Kingdom. Wirex Limited is authorised by the Financial Conduct Authority (FRN: 902025) under the Electronic Money Regulations 2017 for the issuing of electronic fiat money and payment instruments.
Your Visa Debit & Prepaid Card will be issued by Contis Financial Services Ltd who is authorised by the Financial Conduct Authority to issue e-money (Firm Reference Number: 900025) and is a member of Visa.

I see that only bitcoin.com managed to get confused by the name, coindesk did their research better

https://www.coindesk.com/crypto-card-issuer-wirecard-missing-german-enron-scandal

Wirecard subsidiary Wirecard Card Solutions branched out into crypto when it became the issuer for crypto payment card providers Crypto.com and TenX. Wirecard had also partnered with TON Labs, the developer house behind Telegram’s blockchain. A court document also claimed Wirecard’s COO participated in the $1.7 billion token sale in 2018.

But I'm sure, funds are SAFU!  Till they ain't no more.
I've been burned pretty good with epassporte, not going to keep more on those cards than what's needed for an emergency in case I'm stranded somewhere and everything else doesn't work.

[bitbollo]

Before posting here I made a quick search on their websites https://wirexapp.com/en/issuer-terms

1. Definitions and Construction
....
Card Issuer – means Wirecard Singapore Pte Ltd, 80 Pasir Panjang Road, #14-81 Mapletree Business City, Singapore 117372.

https://www.google.com/search?q=Wirecard+Singapore+Pte+Ltd%2C&oq=Wirecard+Singapore+Pte+Ltd%2C&aqs=chrome.0.69i59j0l5.669j0j4&sourceid=chrome&ie=UTF-8

Website ? https://www.wirecard.com/en-ap Probably it's a local affiliate, but it seems there is a link between Wirex / Wirecard

[gentlemand]

https://wirexapp.com/issuer-terms

Still Contis here for Europe.




The Wirecard stuff must be for other areas.

https://www.straitstimes.com/business/police-raid-wirecard-entities-in-singapore-after-reports-of-fraud-allegations-at-payments

According to that the Singapore Wirecard is linked to the German Wirecard, it's a subsidiary and as you can see in the links it's also had its own share of problems before the current ones.

https://www.straitstimes.com/business/banking/wirecard-chairman-resigns-amid-accounting-controversy-involving-singapore

Good old cryptoland never fails to fail.

[NeuroticFish]

They responded to my ticket and said that I had insufficient founds on my USD card to cover the monthly fee.
They cant deduct the money from my other cards or wallets indirectly.
But I had no warnings or anything. I find it a little strange.

Since the stars have aligned right, I was able to make a little test: I've left insufficient funds on my card so the monthly fee made it get negative.
I don't know if it's a new feature or not, but I've got this morning a push notification telling that I am on negative balance. No extra explanations, but it's still something.
Of course, they could have sent an e-mail since push notifications are easy to miss (for example by disabling them after they've started spamming offers). However, a little warning is there.

I know the case is closed, but I thought I should add this in case somebody else will read about the negative funds issue.

[gentlemand]

Since the stars have aligned right, I was able to make a little test: I've left insufficient funds on my card so the monthly fee made it get negative.

I left a few quid on there after reading about that as the idea of having to reapply is very silly indeed. Despite that they haven't charged me a fee since April now. Maybe I'm special.

[NeuroticFish]

I left a few quid on there after reading about that as the idea of having to reapply is very silly indeed.

Yep, silly indeed. But it happens only if it's negative for 2 months, afaik.
Of course, at the time I was writing I've already exchanged a small amount into EUR to get back to positive. I don't want to risk only for the heck of it.

I left a few quid on there after reading about that as the idea of having to reapply is very silly indeed. Despite that they haven't charged me a fee since April now. Maybe I'm special.

 
I had such a "feature" too at some point, for 1-2 months. And when they noticed, they've subtracted all their money.
As a warning, I've also had some months when the fee was subtracted, just not written.
With so many bugs, they make all of us feel "special" from time to time 

[stompix]

So, out of the blue, I've reached the "limits". Anyone got this message or it's again random since I haven't made any purchase in the last 5 days and the last one was under 3$, but well, it seems that I must verify my address.
Why, that I have no clue, if they indeed cared about security they could have easily seen I've never made a bank transfer, only withdraw a few euros once from ATMs as a test, and most of my purchases can be located inside a 5-10km radius area.

Why suddenly I need to verify again my address?
They've not asked for proof of identity, for the source of the money, but for my address, I find this pretty stupid and useless, although I might do this verification if they accept a utility bill. But the moment they will ask for SOF (source of funds) is the moment I drop it.

[NeuroticFish]

At some point this year they've asked for a new proof of address from me too.
And after getting that they were happy again.
So I think that you may be worrying for nothing.

[stompix]

At some point this year they've asked for a new proof of address from me too.
And after getting that they were happy again.

Do you remember how long it took? I did submit that document on the 16th and no word from them although they claim a few minutes till exceptionally up to 24 hours...

So I think that you may be worrying for nothing.

Hope so, but if they don't accept that utility bill I only have one option left which is a tax bill as currently, my bank is not printing anymore the address on its statements, and the rest of the stuff is on my wife's name, so out of that huge list, I'm actually down to two viable options.

[gentlemand]

If they hit me for it I dunno if I can be arsed to summon the will to service their desire. I haven't used it for months now. If I have something lying around then maybe. I'm not going to go digging.

And if ever gets to source of funds they will receive a photo of my hairy, sagging bottom. Or more likely one pulled from Google images as that's far less work.

[NeuroticFish]

Do you remember how long it took? I did submit that document on the 16th and no word from them although they claim a few minutes till exceptionally up to 24 hours...

I can't tell exactly, but after some weeks I said I waited enough and asked the support wtf they do.
I was lucky enough and found a bright support member who actually helped me.

In my case the bill statement had - on different pages - different postcode for my address. Since Murphy clearly works there, they've took the wrong one as good. No biggie, it's the neighbour postcode
However, I was advised to change my profile postcode to that one and shortly the problem got fixed.

So I advise you ask the support what's the problem. This operation should take, afaik, maximum 24h.

[ewibit]

So I advise you ask the support what's the problem. This operation should take, afaik, maximum 24h.

is there someone of the support reading here?

(because since over a year and x tries of sending documents they are ignoring all - I would like to get my send cryptos back!)