OKX EuropeOKX EEA
85
Side-by-side card comparison
OKX EEA vs Fold Debit: overall score versus use-case fit
OKX Card (EEA) has the higher Overall Score by 13 points (85 vs 72). OKX Card (EEA) looks stronger for Cashback, Funds control, and Lowest fees, while Fold Debit Card comes out ahead for Travel.
Information checked Aug 14, 202650 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. Fold Debit Card may be the better fit for Travel. 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 EEA85Fold Debit72Higher score
CashbackOKX EEA82Fold Debit40Higher score
TravelOKX EEA64Fold Debit78Higher score
Funds controlOKX EEA76Fold Debit59Higher score
Lowest feesOKX EEA90Fold Debit71Higher score
TransfersOKX EEA77Fold Debit77Same score
Choose OKX Card (EEA) if cashback and funds control matter most
OKX Card (EEA) comes out ahead for Cashback, Funds control, 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 Fold Debit Card if travel matters most
Fold Debit Card comes out ahead for Travel in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Several USD funding routes
- Physical card and phone wallets
- Fold+ bitcoin rewards
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 EEA85Fold Debit72
OKX Card (EEA) has the higher Overall Score by 13 points.
- Entry cost & FX
- OKX EEA$0 plan · 0% OKX markup + Mastercard rate FXFold Debit$0 plan · $3 fixed provider fee per foreign transaction for Fold; $0 for Fold+; no percentage FX fee is inferred FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- OKX EEA2% base · up to 10%Fold Debit0% base · up to 15%
OKX Card (EEA) has the higher published base cashback rate (2% vs 0%).
- Funds control
- OKX EEAHybrid custodyFold DebitCustodial balance
OKX Card (EEA) uses a hybrid custody setup, while Fold Debit Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- OKX EEAVirtual · Apple Pay, Google PayFold DebitVirtual + Physical · Apple Pay, Google Pay
Fold Debit Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- OKX EEA3 stablecoins · Stablecoin transfers; OKX Pay contacts, Transfer to OKX ExchangeFold Debit0 stablecoins · ACH withdrawal, Instant debit-card withdrawal, ATM withdrawal, ACH bill pay
OKX Card (EEA) lists more stablecoins and ways to send money out (6 vs 4).
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
- Cashback
- 0%-15%
- Plan cost
- $0
- FX fee
- $3 fixed provider fee per foreign transaction for Fold; $0 for Fold+; no percentage FX fee is inferred
- ATM fee
- $3.50 Fold provider fee for the free plan; $0 for Fold+; operator fees may apply
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 3 fiat
- Payout methods
- 0 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.
Fold Debit 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)Overall85Fold Debit CardOverall72
OKX Card (EEA)Overall85Fold Debit CardOverall72Scores
6 fields- Overall Score
- OKX Card (EEA)85Fold Debit Card72
- Cashback score
- OKX Card (EEA)82Fold Debit Card40
- Travel score
- OKX Card (EEA)64Fold Debit Card78
- Funds control score
- OKX Card (EEA)76Fold Debit Card59
- Lowest fees score
- OKX Card (EEA)90Fold Debit Card71
- Transfers score
- OKX Card (EEA)77Fold Debit Card77
Strengths & trade-offs
2 fields- Strengths
- OKX Card (EEA)Low documented card costs, Current FAQ confirms 2%-10% USDG cashbackFold Debit CardSeveral USD funding routes, Physical card and phone wallets
- Trade-offs
- OKX Card (EEA)Virtual-only with no ATM access, 10% is conditional, capped VIP upsideFold Debit CardU.S.-only applications, Free-plan ATM and foreign fees
Costs
7 fields- Plan cost
- OKX Card (EEA)$0Fold Debit Card$0
- FX fee
- OKX Card (EEA)0% OKX markup + Mastercard rateFold Debit Card$3 fixed provider fee per foreign transaction for Fold; $0 for Fold+; no percentage FX fee is inferred
- Top-up fee
- OKX Card (EEA)0%Fold Debit CardInstant debit funding costs 1.5%, capped at $25; ACH and direct-deposit routes are separate
- Card spending fee
- OKX Card (EEA)0%Fold Debit Card0%
- ATM fee
- OKX Card (EEA)Not availableFold Debit Card$3.50 Fold provider fee for the free plan; $0 for Fold+; operator fees may apply
- Virtual card
- OKX Card (EEA)€0Fold Debit CardNot disclosed
- Physical card
- OKX Card (EEA)Not availableFold Debit Card$0 card purchase fee
Plans
2 fields- Available plans
- OKX Card (EEA)5 plans: Regular, VIP 1, VIP 2, VIP 3 +1Fold Debit Card2 plans: Fold, Fold+
- Top cashback plan
- OKX Card (EEA)VIP 4+: 10%Fold Debit CardFold+: 0.5%
Everyday use
8 fields- Network
- OKX Card (EEA)MastercardFold Debit CardVisa
- Card formats
- OKX Card (EEA)VirtualFold Debit CardVirtual, Physical
- ATM withdrawals
- OKX Card (EEA)Not availableFold Debit CardAvailable
- Mobile wallets
- OKX Card (EEA)Apple Pay, Google PayFold Debit CardApple Pay, Google Pay
- Apps
- OKX Card (EEA)iOS, AndroidFold Debit CardiOS, Android
- 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.Fold Debit Card$15,000 per transaction and per day
- Monthly spending limit
- OKX Card (EEA)No fixed monthly amount is published; balance and risk controls apply.Fold Debit Card$50,000 per month
- ATM limit
- OKX Card (EEA)ATM withdrawals are not supported.Fold Debit Card$250 per withdrawal; $1,000 daily and monthly
Funding & transfers
5 fields- Networks
- OKX Card (EEA)X Layer, Ethereum, TRON, Arbitrum, Base, Avalanche +1Fold Debit CardNot disclosed
- Crypto deposits
- OKX Card (EEA)Stablecoins: USDC, USDG, USDTFold Debit CardNot disclosed
- Fiat deposits
- OKX Card (EEA)Not disclosedFold Debit CardLinked-bank ACH, Direct deposit, Instant debit-card funding
- Transfers
- OKX Card (EEA)Stablecoin transfers; OKX Pay contacts, Transfer to OKX ExchangeFold Debit CardACH withdrawal, Instant debit-card withdrawal, ATM withdrawal, ACH bill pay
- Payout currencies
- OKX Card (EEA)Not disclosedFold Debit CardUSD, USD cash equivalent
Rewards
3 fields- Base cashback
- OKX Card (EEA)2%Fold Debit Card0%
- Max cashback
- OKX Card (EEA)10%Fold Debit Card15%
- Reward currency
- OKX Card (EEA)USDG cashbackFold Debit CardBitcoin
Earn
5 fields- Advertised APY
- OKX Card (EEA)Not disclosedFold Debit CardNot offered
- How it works
- OKX Card (EEA)Not disclosedFold Debit CardNot offered
- Separate deposit
- OKX Card (EEA)Not disclosedFold Debit CardNot offered
- Use balance for spending
- OKX Card (EEA)Not disclosedFold Debit CardNot offered
- Lock-up
- OKX Card (EEA)Not disclosedFold Debit CardNot offered
Trust & availability
7 fields- Custody
- OKX Card (EEA)Hybrid custodyFold Debit CardCustodial
- Control until payment
- OKX Card (EEA)You keep controlFold Debit CardProvider controls funds
- Card issuer
- OKX Card (EEA)UAB MonavateFold Debit CardSutton Bank
- Card processing
- OKX Card (EEA)Not disclosedFold Debit CardMarqeta, Inc.
- Custody / key management
- OKX Card (EEA)Not disclosedFold Debit CardBitGo Bank and Trust, N.A. / BitGo Prime LLC
- Bank transfers
- OKX Card (EEA)Not disclosedFold Debit CardPlaid Inc., Astra, Inc.
- Programme operator
- OKX Card (EEA)OKX Europe LimitedFold Debit CardNot disclosed
Sources
2 fields- Official sources
- OKX Card (EEA)21Fold Debit Card29
- Last reviewed
- OKX Card (EEA)Aug 5, 2026Fold Debit CardAug 14, 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 72 for Fold Debit Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. OKX Card (EEA) has the higher published base cashback rate (2% vs 0%).
Fold Debit Card still comes out ahead for Travel, 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 Fold Debit Card uses a custodial balance 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 4). 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 Fold Debit Card reviews first.
Continue with
OKX Card (EEA)
Continue with
Fold Debit Card
05 · Common questions
OKX EEA vs Fold Debit FAQ
Is OKX EEA or Fold Debit better overall?
OKX Card (EEA) has the higher Overall Score (85 vs 72). 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 Fold Debit?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 Fold Debit?
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 Fold Debit differ on custody?
OKX Card (EEA) uses a hybrid custody setup, while Fold Debit Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this OKX EEA vs Fold Debit comparison?
The latest information check for these two cards was August 14, 2026, using 50 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.