It isn't. This difference you see is normal. On Wirex, there are two exchange rates: One for buying bitcoins and one for loading the card. The "Buying Bitcoin" rate is higher than one for Loading Bitcoins. But other than that, What you see is what you get. There are no fees for loading your card or Buying Bitcoins in Wirex / E-Coin.
Thanks for the reply. I currently use your service for the virtual card. Just a little advice, if you want to stay competitive on the market you should consider revising your exchange rates because 3% lower exchange rate is rather large fee to pay when loading the card. If I were to order physical card I would probably switch from you to xapo.
