Why it stands out
- Regular users earn 2% on eligible USDG-funded purchases.
- The virtual Mastercard supports both major phone-wallet routes.
- Supported Pay transfers on X Layer have no additional OKX charge.
OKX MastercardStandard card design
Stablecoin account + Mastercard card
OKX Card (EEA)
A virtual Mastercard for EU member states and Norway, funded from an OKX Pay balance and supported by Apple Pay and Google Pay. The default reward is 2% in USDG; higher rates require OKX VIP status, and card access remains virtual-only.
No FXFunds controlClear feesTiered rewardsFree base planUSD rewards
Available in EU member states and Norway; Iceland and Liechtenstein are excluded. Final onboarding checks may vary.
View OKX Europe Compare card
OKX shows the current EU referral reward before participation
- Join through this referral link as an eligible new EEA user.
- Complete identity verification and get approved for the OKX Card.
- Complete the number and minimum value of settled transactions shown in-app within 14 days of sign-up.
Main trade-offs
- The maximum rate needs VIP 4+ status and eligible USDG funding.
- The Regular tier is capped at €10, with separate caps by VIP level.
- The reviewed EEA programme is virtual-only and does not support cash.
01 · Core economics
Costs that matter
OKX Europe is inexpensive to open, but it is not a fee-free travel card. These numbers drive most of the real-world cost.
ItemStandard tierWhat it means
Annual plan$0Competitive entry price
Pay funding0% on X LayerThe official EEA Pay route is fee-free on X Layer. Exchange-to-Pay pricing is not separately stated; Ethereum and TRON require external network costs.
Foreign exchange0% OKX markup + Mastercard rateCompare the FX fee with the cashback rate before using it abroad.
Card spending0%No listed base spend fee
Limits and secondary feesLimits and other fees
ATM withdrawalNot availableListed
Declined transactionNot disclosedListed
Daily card spendNo fixed provider daily limit; user-set minimum is 1 EUR, while the regional maximum appears only in-app.Listed
Monthly card spendNo fixed monthly amount is published; balance and risk controls apply.Listed
ATM limitATM withdrawals are not supported.Listed
Account depositOKX Pay receive limits are not published in the reviewed card sources.Listed
02 · Plans & rewards
OKX Card (EEA) cashback
OKX Card (EEA) keeps the reward range visible above while the membership cards below preserve each tier's fee, card design, rewards, limits and other tier-specific differences.
Lowest approved purchase reward rate
Conditional — not the automatic rate
USDG cashback
Unknown caps are not treated as unlimited
Memberships
1-3 / 5
Upgrade
$0/yrRegular
Same virtual Mastercard
- Cashback
- 2% in USDG
- Requirement
- Default non-VIP tier
- Best fit
- Check the plan price, rewards and limits before upgrading.
Upgrade
$0/yrVIP 1
Same virtual Mastercard
- Cashback
- 4% in USDG
- Requirement
- OKX VIP 1 status
- Best fit
- Check the plan price, rewards and limits before upgrading.
Upgrade
$0/yrVIP 2
Same virtual Mastercard
- Cashback
- 4.5% in USDG
- Requirement
- OKX VIP 2 status
- Best fit
- Check the plan price, rewards and limits before upgrading.
03 · Everyday use
The essentials are covered
Card access, mobile wallets and account rails are separated so missing channels are easy to spot.
Card access
- Mastercard networkAvailable
- Virtual cardAvailable
- Physical cardNot available
- ATM withdrawalsNot available
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appNot confirmed
Account rails
- Crypto depositsVia provider account
- Bank depositsNot confirmed
- Crypto withdrawalsVia provider account
- Fiat withdrawalsNot confirmed
- Direct card top-upsNot supported
04 · Money in and out
How money enters, settles and leaves OKX Europe
The card uses the provider account balance. Account funding and withdrawal routes are included only when they feed that same card-linked account; they are not presented as direct card top-ups.
Money inWays to fund or receive · 5 routesCrypto depositsUSDCUSDGUSDTInternal fundingFrom OKX Exchange balanceNot confirmed
Crypto deposits
3 routes
On-chain receive · X Layer
Receives supported stablecoins into the Pay smart wallet used by the card.
USDCUSDGUSDTX Layer
- Fee
- No fixed fee
- Speed
- Network-dependent
- Limits
- Not confirmed
- External cost
- 0 on X Layer
Route details
Fee components
- No additional OKX fee
- 0 on X Layer
Access path
Via provider account
Asset / network map
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.
Restrictions
The zero-fee evidence applies to X Layer only.
On-chain receive · Ethereum
Receives supported stablecoins through the Ethereum route into the Pay smart wallet.
USDCUSDGUSDTEthereum
- Activation cost
- ~0.001 ETH first use (estimated)
- Speed
- Network-dependent
- Limits
- Not confirmed
- External cost
- Dynamic Ethereum network fee
Route details
Fee components
- OKX provider fee not separately disclosed
- 0.001 ETH · Pay smart-wallet activation
- Dynamic Ethereum network fee
Access path
Via provider account
Asset / network map
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.
On-chain receive · TRON
Receives supported stablecoins through the TRON route into the Pay smart wallet.
USDCUSDGUSDTTRON
- Activation cost
- ≥170 TRX first use (estimated)
- Speed
- Network-dependent
- Limits
- Not confirmed
- External cost
- ~90 TRX after activation (estimated)
Route details
Fee components
- OKX provider fee not separately disclosed
- 170 TRX · Pay smart-wallet activation
- ~90 TRX after activation (estimated)
Access path
Via provider account
Asset / network map
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.
Internal funding
2 routes
From OKX Exchange balance
Moves supported assets from the linked OKX Exchange account into the Pay balance used by the card.
USDCUSDGUSDT
- Fee
- Not confirmed
- Speed
- Not confirmed
- Limits
- Not confirmed
- Availability
- EU, Norway
Route details
Fee components
- OKX provider fee not separately disclosed
Access path
Via provider account
Availability
Available where both OKX Pay and the OKX Card (EEA) programme are supported.
Fee scope
The official EEA Pay FAQ confirms the Exchange funding route but does not state a separate internal-transfer fee
Restrictions
This route is distinct from the confirmed fee-free X Layer send/receive route.
From another OKX Pay user
Credits the Pay balance used by the card after a Pay contact, link or QR-code transfer.
USDCUSDGUSDTX Layer
- Fee
- No fixed fee
- Speed
- Instant
- Limits
- Not confirmed
- External cost
- 0 on X Layer
Route details
Fee components
- No additional OKX fee
- 0 on X Layer
Access path
Via provider account
Asset / network map
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.
Restrictions
Recipient identity verification and Pay activation are required.
Balance & conversionHybrid settlement
Funding and settlement cross wallet and provider-controlled account boundaries.
What happens on receipt
Reviewed sources confirm exchange-to-Pay and on-chain receive routes.
Money outWays to send, withdraw or settle · 3 routesExternal crypto sendsUSDCUSDGUSDT1 networkInternal transfersOKX Pay contactsNo fixed feeVaries by rail
External crypto sends
1 route
External wallet send
Do not present deposit-only network coverage as guaranteed two-way send coverage.
USDCUSDGUSDTX Layer
- Fee
- Not confirmed
- Speed
- Network-dependent
- Limits
- Not confirmed
- Availability
- Confirmed scope
Route details
Fee components
- Fee terms are descriptive only
Access path
Via provider account
Asset / network map
USDC: X Layer · USDG: X Layer · USDT: X Layer
Availability
External wallet-address route; exact outbound networks are selected in-app
Limit scope
Not publicly confirmed
Restrictions
Do not present deposit-only network coverage as guaranteed two-way send coverage.
Internal transfers
2 routes
OKX Pay contacts
Transfers value within the provider account network.
USDCUSDGUSDTX Layer
- Fee
- No fixed fee
- Speed
- Varies by rail
- Limits
- Not confirmed
- Availability
- Confirmed scope
Route details
Fee components
- No provider transfer fee
Access path
Via provider account
Asset / network map
USDC: X Layer · USDG: X Layer · USDT: X Layer
Availability
OKX Pay contacts on X Layer
Limit scope
Not publicly confirmed
Transfer to OKX Exchange
This is an internal account route, not a direct bank payout.
USDCUSDGUSDTX Layer
- Fee
- Not confirmed
- Speed
- Varies by rail
- Limits
- Not confirmed
- Availability
- Confirmed scope
Route details
Fee components
- Fee terms are descriptive only
Access path
Via provider account
Asset / network map
USDC: X Layer · USDG: X Layer · USDT: X Layer
Availability
Transfer from OKX Pay to the linked OKX Exchange account
Fee scope
Not published in the reviewed card/Pay FAQ
Limit scope
Not publicly confirmed
Restrictions
This is an internal account route, not a direct bank payout.
06 · Trust and eligibility
Where OKX Europe is available — and who runs each part
Eligibility, identity checks and provider responsibilities are kept separate.
Identity & KYC
Identity verification is required to access card services.
Availability
Country-specific card access is listed below. The current model does not yet prove that the list is exhaustive.
Countries explicitly listed28 countries
AustriaBelgiumBulgariaCroatiaCyprusCzechiaDenmarkEstoniaFinlandFranceGermanyGreeceHungaryIrelandItalyLatviaLithuaniaLuxembourgMaltaNetherlandsNorwayPolandPortugalRomaniaSlovakiaSloveniaSpainSweden
Known restrictions222 countries
AfghanistanAland IslandsAlbaniaAlgeriaAmerican SamoaAndorraAngolaAnguillaAntarcticaAntigua and BarbudaArgentinaArmeniaArubaAustraliaAzerbaijanBahamasBahrainBangladeshBarbadosBelarusBelizeBeninBermudaBhutanBoliviaBonaire, Sint Eustatius and SabaBosnia and HerzegovinaBotswanaBouvet IslandBrazilBritish Indian Ocean TerritoryBruneiBurkina FasoBurundiCabo VerdeCambodiaCameroonCanadaCayman IslandsCentral African RepublicChadChileChinaChristmas IslandCocos (Keeling) IslandsColombiaComorosCongoCongo, Democratic Republic of theCook IslandsCosta RicaCote d'IvoireCubaCuracaoDjiboutiDominicaDominican RepublicEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEswatiniEthiopiaFalkland IslandsFaroe IslandsFijiFrench GuianaFrench PolynesiaFrench Southern TerritoriesGabonGambiaGeorgiaGhanaGibraltarGreenlandGrenadaGuadeloupeGuamGuatemalaGuernseyGuineaGuinea-BissauGuyanaHaitiHeard Island and McDonald IslandsHoly SeeHondurasHong KongIcelandIndiaIndonesiaIranIraqIsle of ManIsraelJamaicaJapanJerseyJordanKazakhstanKenyaKiribatiKosovoKuwaitKyrgyzstanLaosLebanonLesothoLiberiaLibyaLiechtensteinMacaoMadagascarMalawiMalaysiaMaldivesMaliMarshall IslandsMartiniqueMauritaniaMauritiusMayotteMexicoMicronesiaMoldovaMonacoMongoliaMontenegroMontserratMoroccoMozambiqueMyanmarNamibiaNauruNepalNew CaledoniaNew ZealandNicaraguaNigerNigeriaNiueNorfolk IslandNorth KoreaNorth MacedoniaNorthern Mariana IslandsOmanPakistanPalauPalestinePanamaPapua New GuineaParaguayPeruPhilippinesPitcairnPuerto RicoQatarReunionRussiaRwandaSaint BarthelemySaint Helena, Ascension and Tristan da CunhaSaint Kitts and NevisSaint LuciaSaint MartinSaint Pierre and MiquelonSaint Vincent and the GrenadinesSamoaSan MarinoSao Tome and PrincipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSint MaartenSolomon IslandsSomaliaSouth AfricaSouth Georgia and the South Sandwich IslandsSouth KoreaSouth SudanSri LankaSudanSurinameSvalbard and Jan MayenSwitzerlandSyriaTaiwanTajikistanTanzaniaThailandTimor-LesteTogoTokelauTongaTrinidad and TobagoTunisiaTurkeyTurkmenistanTurks and Caicos IslandsTuvaluUgandaUkraineUnited Arab EmiratesUnited KingdomUnited StatesUnited States Minor Outlying IslandsUruguayUzbekistanVanuatuVenezuelaVietnamVirgin Islands, BritishVirgin Islands, U.S.Wallis and FutunaWestern SaharaYemenZambiaZimbabwe
Who handles what
Only concrete responsibilities and identified organisations are shown.
RoleHandled byResponsibility and scope
Card productOKX Europe
Public-facing product and account experience; legal operators are listed separately when confirmed.
Custody controlCardholder
Retains control of funds until payment.
Hybrid custodyCard 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 83
The score weighs practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the company and provider stack. Undisclosed data does not boost the score.
83/100
StrongHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift91
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 · Evidence
Sources
22 sources20 officialChecked Jul 22, 2026
We review every published fact and value on this page against source evidence. Official product, fee, membership and legal sources are used for the terms that affect cost, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Pay with Crypto in Europe | OKX Card | OKX EuropeOfficial source ↗What's OKX Card? | OKX EuropeOfficial source ↗What is the OKX Card? Crypto card explained for European users (2026) | OKX EuropeOfficial source ↗What fees apply when I'm using my OKX Card? | OKX EuropeOfficial source ↗What spending limits apply to my OKX Card? | OKX EuropeOfficial source ↗OKX Card Spending Limits FAQ | OKX EuropeOfficial source ↗
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