Just made a payment in USD with my EUR card and was still charged the usual 3% fee..
Or are you just calling it "free foreign exchange" now and blaming it on the "wholesale rate"?
This screenshot wasn't made from Wirex account and we can't advise you about other services. Please check the ledger in your Wirex account.
But I'll try to explain with more details:
We state that WIREX has no such fee, which is true.
We are getting the wholesale rate from our provider - MyChoice and don't add any our fee.
They do have the Foreign transaction fee - as everyone knows - but as long as it is included in the final rate (source currency > card currency) we get from them, we do not show it separately.