OKX MastercardStandard card design

Source checked24 sourcesLast checked Sep 2, 2026

Stablecoin account + Mastercard card

OKX Card (EEA)

OKX Card (EEA) connects an OKX Pay balance to virtual Mastercard spending across EU member states and Norway, with phone wallets and 2% base USDG cashback. Regular and VIP reward tiers use different caps and qualification rules within the same Pay balance.

View OKX Europe Compare card

Partner link See details

50%Merchant perk All offers

Best fit

EU and Norway residents spending USDC or USDG from their OKX Pay balance.
Earning 2% on USDG purchases at Regular level, capped at €50/month.
Existing OKX VIP users who already qualify for higher cashback tiers.

Before you choose

Stablecoin-to-EUR spending has a 0.1% conversion spread despite 0% OKX FX.
USDC-funded purchases earn no cashback; rewards require USDG funding.
The EEA programme is virtual-only, with no physical card or ATM access.

01 · Fees & limits

Card costs

ItemValueConditions & scope

Entry plan$0 / yearRegular tier.

Provider FX markup0%OKX adds no FX markup. Mastercard's conversion rate may still determine the converted amount.

Asset conversion fee0.1%Applies when USDC or USDG is converted to EUR for card spending.

Card spending0%Card payment fee. FX and conversion charges are listed separately.

Limits and secondary fees

ItemValueConditions & scope

ATM withdrawalNot availableNo ATM withdrawal route is listed for this card.

Declined transactionNot disclosedNo reusable declined-transaction fee is published.

Daily card spendNot disclosedNo fixed provider daily limit; user-set minimum is 1 EUR, while the regional maximum appears only in-app.

Monthly card spendNot disclosedNo fixed monthly amount is published; balance and risk controls apply.

ATM limitNot disclosedATM withdrawals are not supported.

Account depositNot disclosedOKX Pay receive limits are not published in the reviewed card sources.

02 · Plans & rewards

Cashback & memberships

Entry rate2%

Regular tier

Maximum rate10%

VIP 4+ tier

Reward assetUSDG

Cashback CapNot disclosed

Unknown caps are not treated as unlimited

Memberships

1-3 / 5

Upgrade

Regular

Same virtual Mastercard

$0/yr

Cashback: 2% in USDG
Requirement: Default non-VIP tier

Upgrade

VIP 1

Same virtual Mastercard

$0/yr

Cashback: 4% in USDG
Requirement: OKX VIP 1 status

Upgrade

VIP 2

Same virtual Mastercard

$0/yr

Cashback: 4.5% in USDG
Requirement: OKX VIP 2 status

03 · Everyday use

Card access & apps

Card access

Mastercard network
Virtual card
Physical cardNot available
ATM withdrawalsNot available

Wallets & apps

Apple Pay
Google Pay
iOS app
Android app
Web appNot available

04 · Money in and out

Balance, payments & transfers

Balance & payments

Hybrid settlement

Funding and settlement cross wallet and provider-controlled account boundaries.

Conversion

Reviewed sources confirm exchange-to-Pay and on-chain receive routes.

Money in

On-chain receiveUSDC · USDG · USDTFee / setupNo fixed fee / ~0.001 ETH (estimated) / ≥170 TRX (estimated)Details

On-chain receive · X LayerUSDC · USDG · USDTFeeNo fixed feeDetails

Access path: Via provider account
Networks by asset: USDC: X Layer · USDG: X Layer · USDT: X Layer
Availability: Available where both OKX Pay and the OKX Card (EEA) programme are supported.
External cost scope: Official EEA Pay FAQ; availability remains account- and location-dependent.
Conditions: The zero-fee evidence applies to X Layer only.
Timing: X Layer confirmation time
Limits: Public route limit not confirmed
Fee conditions: No additional fee for supported send and receive transactions on X Layer
How it works: Receives supported stablecoins into the Pay smart wallet used by the card.
Fee breakdown: No additional OKX fee; 0 on X Layer

On-chain receive · EthereumUSDC · USDG · USDTActivation cost~0.001 ETH first use (estimated)Details

Access path: Via provider account
Networks by asset: USDC: Ethereum · USDG: Ethereum · USDT: Ethereum
Availability: Available where both OKX Pay and the OKX Card (EEA) programme are supported.
External cost scope: Ordinary Ethereum transaction cost; amount depends on network conditions.
Timing: Ethereum network confirmation time
Limits: Public route limit not confirmed
Fee conditions: Estimated one-time Pay smart-wallet activation cost of about 0.001 ETH plus dynamic external Ethereum transaction costs
How it works: Receives supported stablecoins through the Ethereum route into the Pay smart wallet.
Fee breakdown: OKX provider fee not separately disclosed; 0.001 ETH · Pay smart-wallet activation; Dynamic Ethereum network fee

On-chain receive · TRONUSDC · USDG · USDTActivation cost≥170 TRX first use (estimated)Details

Access path: Via provider account
Networks by asset: USDC: TRON · USDG: TRON · USDT: TRON
Availability: Available where both OKX Pay and the OKX Card (EEA) programme are supported.
External cost scope: Ordinary TRON transaction cost observed after activation; amount varies with network conditions.
Timing: TRON network confirmation time
Limits: Public route limit not confirmed
Fee conditions: Estimated one-time Pay smart-wallet activation cost of at least 170 TRX plus an estimated external TRON transaction cost around 90 TRX
How it works: Receives supported stablecoins through the TRON route into the Pay smart wallet.
Fee breakdown: OKX provider fee not separately disclosed; 170 TRX · Pay smart-wallet activation; ~90 TRX after activation (estimated)

From OKX Exchange balanceUSDC · USDG · USDTFeeNot confirmedDetails

Access path: Via provider account
Availability: Available where both OKX Pay and the OKX Card (EEA) programme are supported.
Fee conditions: The official EEA Pay FAQ confirms the Exchange funding route but does not state a separate internal-transfer fee
Conditions: This route is distinct from the confirmed fee-free X Layer send/receive route.
Timing: Transfer timing not separately confirmed
Limits: Public route limit not confirmed
Availability: EU, Norway
How it works: Moves supported assets from the linked OKX Exchange account into the Pay balance used by the card.
Fee breakdown: OKX provider fee not separately disclosed

From another OKX Pay userUSDC · USDG · USDTFeeNo fixed feeDetails

Access path: Via provider account
Networks by asset: USDC: X Layer · USDG: X Layer · USDT: X Layer
Availability: Available where both OKX Pay and the OKX Card (EEA) programme are supported.
External cost scope: Official EEA Pay FAQ; availability remains account- and location-dependent.
Conditions: Recipient identity verification and Pay activation are required.
Timing: Instant Pay receipt
Limits: Public route limit not confirmed
Fee conditions: No additional fee for supported Pay transfers on X Layer
How it works: Credits the Pay balance used by the card after a Pay contact, link or QR-code transfer.
Fee breakdown: No additional OKX fee; 0 on X Layer

Money out

External wallet sendUSDC · USDG · USDTFeeNot confirmedDetails

Access path: Via provider account
Networks by asset: USDC: X Layer · USDG: X Layer · USDT: X Layer
Availability: External wallet-address route; exact outbound networks are selected in-app
Limits: Not publicly confirmed
Conditions: Do not present deposit-only network coverage as guaranteed two-way send coverage.
Timing: Network-dependent
Fee conditions: External network cost is dynamic and excluded from card-fee scoring

OKX Pay contactsUSDC · USDG · USDTFeeNo fixed feeDetails

Access path: Via provider account
Networks by asset: USDC: X Layer · USDG: X Layer · USDT: X Layer
Availability: OKX Pay contacts on X Layer
Limits: Not publicly confirmed
Timing: Not published
Fee conditions: No fixed provider transfer fee is published
How it works: Transfers value within the provider account network.
Fee breakdown: No provider transfer fee

Transfer to OKX ExchangeUSDC · USDG · USDTFeeNot confirmedDetails

Access path: Via provider account
Networks by asset: USDC: X Layer · USDG: X Layer · USDT: X Layer
Availability: Transfer from OKX Pay to the linked OKX Exchange account
Fee conditions: Not published in the reviewed card/Pay FAQ
Limits: Not publicly confirmed
Conditions: This is an internal account route, not a direct bank payout.

06 · Trust and eligibility

Availability & providers

Identity & KYC

Required

Identity verification is required to access card services.

Availability

28 countries explicitly listed

The complete supported-country list is shown below. Residence, identity documents and signup checks still apply.

Explicit restrictions: 2 countriesThese reviewed jurisdiction records are hard exclusions; locations outside the list still require the normal signup and identity checks.

Countries explicitly listed28 countries

AustriaBelgiumBulgariaCroatiaCyprusCzechiaDenmarkEstoniaFinlandFranceGermanyGreeceHungaryIrelandItalyLatviaLithuaniaLuxembourgMaltaNetherlandsNorwayPolandPortugalRomaniaSlovakiaSloveniaSpainSweden

Explicit restriction list2 countries

IcelandLiechtenstein

Who handles what

The named organisations and their current roles are listed below.

RoleHandled byResponsibility and scope

Card productOKX Europe

Provides the product and account experience. Named legal operators appear separately.

Custody controlCardholder

Retains control of funds until payment.

Hybrid custody

Card issuerUAB Monavate

Issuer of the OKX Card (EEA) payment card.

Jurisdiction: Lithuania · Applies to: OKX Card (EEA) regional programme.

Programme operatorOKX Europe Limited

OKX Card (EEA) programme management.

07 · Methodology

Why the score is 85

Missing or undisclosed fields receive no positive credit.

85/100

Strong

Higher is better

Cost efficiency 92

Rewards value 65

Everyday usability 78

Funding & transfers 60

Availability & eligibility 58

Custody & control 75

Company & infrastructure 87

Key score driversLargest effects after applying the Overall category weights

Strongest lift92

Cost efficiency

No monthly fee, 0% FX fee and 0.1% conversion fee shape the day-to-day cost profile.

Additional support87

Company & infrastructure

Named programme infrastructure includes UAB Monavate (issuer) and Mastercard (network).

Main constraint65

Rewards value

2% base cashback and up to 10%; higher rates depend on complex conditions, paid in USDG.

08 · Offers & news

Latest from OKX Card (EEA)

Offer50%Merchant perkActive

OKX Europe adds 50% cashback on selected AI and streaming subscriptions

Eligible direct Claude, ChatGPT and Netflix subscription charges can earn 50% extra cashback, capped at €10 per monthly reward period through October 30.

Ends Oct 30, 2026 (UTC)Checked Aug 23, 2026

NewsSep 30, 2026

OKX Europe marks September Card cap boost fully redeemed

OKX says the limited September €100 cashback-cap uplift has been fully redeemed. The ongoing non-VIP rate remains 2% with a €50 monthly cap.

See all 1 offer and 1 news update for OKX Card (EEA)

09 · Card comparison

How OKX Card (EEA) compares to others

1 / 3

Current card

OKX Card (EEA)

The virtual Mastercard supports both major phone-wallet routes.

Card: Debit Mastercard, Virtual only
Funds control: Hybrid custody
Cashback: 2%–10%
FX fee: 0% OKX markup + Mastercard rate
Apps: iOS, Android
Stablecoin set: USDC, USDG + USDT
Transfers & payouts: Crypto + Internal transfers

Similar match

Black OKX Visa Platinum virtual card front

OKX Card (Global)

The virtual Visa supports both major phone-wallet payment routes.

Card: Debit Visa, Virtual only
Funds control: Hybrid custody
Cashback: 2%–10%
FX fee: 0% OKX markup + network rate
Apps: iOS, Android
Stablecoin set: USDT, USDC + USDG
Transfers & payouts: Crypto + Internal transfers

Similar match

WhiteBIT Nova USD

Add the virtual Visa manually to Apple Wallet or Google Wallet.

Card: Debit Visa, Virtual only
Funds control: Custodial balance
Cashback: 0%–10%
FX fee: 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete.
Apps: iOS, Android, Web app
Stablecoin set: USDC + USDT
Transfers & payouts: Crypto + Bank transfers

Want a deeper comparison?

Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.

Compare Cards

10 · Evidence

Sources

24 sources22 officialChecked Sep 2, 2026

Primary sourcesOfficial product, fee, membership and legal pages

OKX Card EEA ongoing cashback FAQOfficial source ↗OKX Europe Card offers — boosted cap and subscription cashbackOfficial source ↗OKX — Europe Card offer announcementOfficial source ↗Spot Fees comparison: X-Perps account vs Regular account | OKX EuropeOfficial source ↗Pay with Crypto in Europe | OKX Card | OKX EuropeOfficial source ↗What's OKX Card? | OKX EuropeOfficial source ↗

Unconfirmed details5 items

These details have not been verified for this profile. Missing information does not mean a service is free or available.

Regional Maximum For User Set Spending Limits is not confirmed
USD Normalized Cashback Caps (Source Values Are Retained In Eur) is not confirmed
Okx Pay Outbound Provider Fees And Limits is not confirmed
Initial Card Issuance Timing is not confirmed
Separate Declined Transaction Fee is not confirmed

Help keep this page accurate

Found outdated or incorrect information?

Tell us what changed and, if possible, include an official source. We review corrections before updating public card facts.

Report a correction to this card

OKX Card (EEA)

OKX Card (EEA)

Best fit

Before you choose

Card costs

Cashback & memberships