Main strengths
- 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)
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.
No FXFunds controlClear feesTiered rewardsFree base planUSD rewards
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.
- If the referral is not shown automatically, use this promo code:
Partner link See details
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 current EEA programme is virtual-only and does not support cash.
01 · Core economics
Costs that matter
OKX Card (EEA) has a $0 recurring entry cost. Funding, conversion, FX and cash-access charges are shown separately below.
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.
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%No listed base spend fee
Limits and secondary feesLimits and other fees
ATM withdrawalNot availableListed
Declined transactionNot disclosedNot disclosed
Daily card spendNot disclosedListed
Monthly card spendNot disclosedListed
ATM limitNot disclosedListed
Account depositNot disclosedListed
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 current 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
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
Card access
- Mastercard networkAvailable
- Virtual cardAvailable
- Physical cardVirtual only
- ATM withdrawalsNo ATM access
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appNot offered
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 receive5 routes
Crypto deposits
3 routes
On-chain receive · X LayerReceives supported stablecoins into the Pay smart wallet used by the card.USDCUSDGUSDTX LayerFeeNo fixed feeSpeedNetwork-dependentLimitsNot confirmedExternal cost0 on X LayerDetails
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 · EthereumReceives supported stablecoins through the Ethereum route into the Pay smart wallet.USDCUSDGUSDTEthereumActivation cost~0.001 ETH first use (estimated)SpeedNetwork-dependentLimitsNot confirmedExternal costDynamic Ethereum network feeDetails
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 · TRONReceives supported stablecoins through the TRON route into the Pay smart wallet.USDCUSDGUSDTTRONActivation cost≥170 TRX first use (estimated)SpeedNetwork-dependentLimitsNot confirmedExternal cost~90 TRX after activation (estimated)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 balanceMoves supported assets from the linked OKX Exchange account into the Pay balance used by the card.USDCUSDGUSDTFeeNot confirmedSpeedNot confirmedLimitsNot confirmedAvailabilityEU, NorwayDetails
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 userCredits the Pay balance used by the card after a Pay contact, link or QR-code transfer.USDCUSDGUSDTX LayerFeeNo fixed feeSpeedInstantLimitsNot confirmedExternal cost0 on X LayerDetails
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 settle3 routes
External crypto sends
1 route
External wallet sendDo not present deposit-only network coverage as guaranteed two-way send coverage.USDCUSDGUSDTX LayerFeeNot confirmedSpeedNetwork-dependentLimitsNot confirmedAvailabilityConfirmed scopeDetails
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 contactsTransfers value within the provider account network.USDCUSDGUSDTX LayerFeeNo fixed feeSpeedVaries by railLimitsNot confirmedAvailabilityConfirmed scopeDetails
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 ExchangeThis is an internal account route, not a direct bank payout.USDCUSDGUSDTX LayerFeeNot confirmedSpeedVaries by railLimitsNot confirmedAvailabilityConfirmed scopeDetails
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 supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
Availability
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 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 85
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
85/100
StrongHigher is better
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 · Evidence
Sources
24 sources22 officialChecked Sep 2, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
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 ↗
09 · Card comparison
How OKX Card (EEA) compares to others
A side-by-side look at cards built around stablecoin funding, everyday Mastercard access and money movement.
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
- 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
Crypto stays user-controlled until it is converted into the EUR card balance.
- Card
- Debit Mastercard, Virtual + Physical
- Funds control
- Hybrid custody
- Cashback
- 0.5%–1%
- FX fee
- Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- 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.
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