OKX EuropeOKX EEA
85
Side-by-side card comparison
OKX EEA vs Exa: overall score versus use-case fit
OKX Card (EEA) has the higher Overall Score by 19 points (85 vs 66). OKX Card (EEA) looks stronger for Cashback, Travel, and Lowest fees, while Exa Card comes out ahead for Funds control and Transfers.
Information checked Aug 23, 202652 official sources reviewed
01 · Overall score versus use-case fit
OKX Card (EEA) is the better all-round starting point
OKX Card (EEA) has the higher Overall Score in this comparison. Exa Card may be the better fit for Funds control and Transfers. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallOKX EEA85Exa66Higher score
CashbackOKX EEA82Exa19Higher score
TravelOKX EEA64Exa61Higher score
Funds controlOKX EEA76Exa88Higher score
Lowest feesOKX EEA90Exa67Higher score
TransfersOKX EEA77Exa97Higher score
Choose OKX Card (EEA) if cashback and travel matter most
OKX Card (EEA) comes out ahead for Cashback, Travel, and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Low documented card costs
- Current FAQ confirms 2%-10% USDG cashback
- Clear EU issuer and regional scope
Choose Exa Card if funds control and transfers matter most
Exa Card comes out ahead for Funds control and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Deposited assets can earn yield
- Spend balance or borrow USDC
- Self-custody on Exactly Protocol
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- OKX EEA85Exa66
OKX Card (EEA) has the higher Overall Score by 19 points.
- Entry cost & FX
- OKX EEA$0 plan · 0% OKX markup + Mastercard rate FXExa$0 plan · 1.5% FX
OKX Card (EEA) has the lower published FX fee (0% OKX markup + Mastercard rate vs 1.5%).
- Purchase rewards
- OKX EEA2% base · up to 10%Exa0% cashback
OKX Card (EEA) has the higher published base cashback rate (2% vs 0%).
- Funds control
- OKX EEAHybrid custodyExaSelf-controlled wallet
OKX Card (EEA) uses a hybrid custody setup, while Exa Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- OKX EEAVirtual · Apple Pay, Google PayExaVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- OKX EEA3 stablecoins · Stablecoin transfers; OKX Pay contacts, Transfer to OKX ExchangeExa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
OKX Card (EEA) lists more stablecoins and ways to send money out (6 vs 5).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 2%-10%
- Plan cost
- $0
- FX fee
- 0% OKX markup + Mastercard rate
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 0 fiat
- Payout methods
- 3 crypto · 0 fiat
66
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.5%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 4 fiat
- Payout methods
- 1 crypto · 2 fiat
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
OKX Card (EEA)
Check in app
OKX shows the current EU referral reward before participation
- 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.
OKX Card promo codeJF37NBCF
Reward amount and tasks can change and may differ by market or user. Check the EU Card Referral page before participating.
Exa Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsOKX Card (EEA)Overall85Exa CardOverall66
OKX Card (EEA)Overall85Exa CardOverall66Scores
6 fields- Overall Score
- OKX Card (EEA)85Exa Card66
- Cashback score
- OKX Card (EEA)82Exa Card19
- Travel score
- OKX Card (EEA)64Exa Card61
- Funds control score
- OKX Card (EEA)76Exa Card88
- Lowest fees score
- OKX Card (EEA)90Exa Card67
- Transfers score
- OKX Card (EEA)77Exa Card97
Strengths & trade-offs
2 fields- Strengths
- OKX Card (EEA)Low documented card costs, Current FAQ confirms 2%-10% USDG cashbackExa CardDeposited assets can earn yield, Spend balance or borrow USDC
- Trade-offs
- OKX Card (EEA)Virtual-only with no ATM access, 10% is conditional, capped VIP upsideExa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacy
Costs
7 fields- Plan cost
- OKX Card (EEA)$0Exa Card$0
- FX fee
- OKX Card (EEA)0% OKX markup + Mastercard rateExa Card1.5%
- Top-up fee
- OKX Card (EEA)0%Exa Card1%
- Card spending fee
- OKX Card (EEA)0%Exa CardNot disclosed
- ATM fee
- OKX Card (EEA)Not availableExa Card$1 + 0.65%
- Virtual card
- OKX Card (EEA)€0Exa CardFree with Exa Wallet
- Physical card
- OKX Card (EEA)Not availableExa CardNot available
Plans
2 fields- Available plans
- OKX Card (EEA)5 plans: Regular, VIP 1, VIP 2, VIP 3 +1Exa CardNot disclosed
- Top cashback plan
- OKX Card (EEA)VIP 4+: 10%Exa CardNot disclosed
Everyday use
8 fields- Network
- OKX Card (EEA)MastercardExa CardVisa
- Card formats
- OKX Card (EEA)VirtualExa CardVirtual
- ATM withdrawals
- OKX Card (EEA)Not availableExa CardAvailable
- Mobile wallets
- OKX Card (EEA)Apple Pay, Google PayExa CardApple Pay, Google Pay
- Apps
- OKX Card (EEA)iOS, AndroidExa CardiOS, Android, Web
- Daily spending limit
- OKX Card (EEA)No fixed provider daily limit; user-set minimum is 1 EUR, while the regional maximum appears only in-app.Exa CardDynamic / collateral-based; exact Exa App limit shown in app
- Monthly spending limit
- OKX Card (EEA)No fixed monthly amount is published; balance and risk controls apply.Exa CardDynamic / collateral-based; exact Exa App limit shown in app
- ATM limit
- OKX Card (EEA)ATM withdrawals are not supported.Exa Card$250/withdrawal; $1000/day
Funding & transfers
5 fields- Networks
- OKX Card (EEA)X Layer, Ethereum, TRON, Arbitrum, Base, Avalanche +1Exa CardOptimism
- Crypto deposits
- OKX Card (EEA)Stablecoins: USDC, USDG, USDTExa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETH
- Fiat deposits
- OKX Card (EEA)Not disclosedExa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency deposit
- Transfers
- OKX Card (EEA)Stablecoin transfers; OKX Pay contacts, Transfer to OKX ExchangeExa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
- Payout currencies
- OKX Card (EEA)Not disclosedExa CardUSD, EUR
Rewards
3 fields- Base cashback
- OKX Card (EEA)2%Exa Card0%
- Max cashback
- OKX Card (EEA)10%Exa Card0%
- Reward currency
- OKX Card (EEA)USDG cashbackExa CardNo cashback
Earn
5 fields- Advertised APY
- OKX Card (EEA)Not disclosedExa CardUp to 0.99776% APY
- How it works
- OKX Card (EEA)Not disclosedExa CardEarn on spending balance, Borrow against collateral
- Separate deposit
- OKX Card (EEA)Not disclosedExa CardNo
- Use balance for spending
- OKX Card (EEA)Not disclosedExa CardYes
- Lock-up
- OKX Card (EEA)Not disclosedExa CardNo
Trust & availability
6 fields- Custody
- OKX Card (EEA)Hybrid custodyExa CardSelf-custody
- Control until payment
- OKX Card (EEA)You keep controlExa CardYou keep control
- Card issuer
- OKX Card (EEA)UAB MonavateExa CardThird National Bank, Third National
- Card processing
- OKX Card (EEA)Not disclosedExa CardExa Labs SAS
- Deposits & withdrawals
- OKX Card (EEA)Not disclosedExa CardBridge, Manteca
- Programme operator
- OKX Card (EEA)OKX Europe LimitedExa CardExa Labs SAS
Sources
2 fields- Official sources
- OKX Card (EEA)21Exa Card31
- Last reviewed
- OKX Card (EEA)Aug 5, 2026Exa CardAug 23, 2026
04 · The trade-off
OKX Card (EEA) is the stronger all-round choice
OKX Card (EEA) finishes ahead with an Overall Score of 85 versus 66 for Exa Card. OKX Card (EEA) has the lower published FX fee (0% OKX markup + Mastercard rate vs 1.5%). OKX Card (EEA) has the higher published base cashback rate (2% vs 0%).
Exa Card still comes out ahead for Funds control and Transfers, which may matter more than the overall result if that is how you plan to use the card. OKX Card (EEA) uses a hybrid custody setup, while Exa Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
OKX Card (EEA) lists more stablecoins and ways to send money out (6 vs 5). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full OKX Card (EEA) and Exa Card reviews first.
Continue with
OKX Card (EEA)
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Exa Card
05 · Common questions
OKX EEA vs Exa FAQ
Is OKX EEA or Exa better overall?
OKX Card (EEA) has the higher Overall Score (85 vs 66). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, OKX EEA or Exa?
OKX Card (EEA) has the lower published FX fee (0% OKX markup + Mastercard rate vs 1.5%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, OKX EEA or Exa?
OKX Card (EEA) has the higher published base cashback rate (2% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do OKX EEA and Exa differ on custody?
OKX Card (EEA) uses a hybrid custody setup, while Exa Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this OKX EEA vs Exa comparison?
The latest information check for these two cards was August 23, 2026, using 52 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.