OKX EuropeOKX EEA
85
Side-by-side card comparison
OKX EEA vs Holyheld: overall score versus use-case fit
OKX Card (EEA) has the higher Overall Score by 10 points (85 vs 75). OKX Card (EEA) looks stronger for Cashback, Funds control, and Lowest fees, while Holyheld Card comes out ahead for Travel and Transfers.
Information checked Aug 12, 202649 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. Holyheld Card may be the better fit for Travel 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 EEA85Holyheld75Higher score
CashbackOKX EEA82Holyheld64Higher score
TravelOKX EEA64Holyheld68Higher score
Funds controlOKX EEA76Holyheld74Higher score
Lowest feesOKX EEA90Holyheld67Higher score
TransfersOKX EEA77Holyheld81Higher 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 Holyheld Card if travel and transfers matter most
Holyheld Card comes out ahead for Travel and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody crypto before card top-up
- Virtual, physical and metal Mastercard
- Personal IBAN and SEPA transfers
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 EEA85Holyheld75
OKX Card (EEA) has the higher Overall Score by 10 points.
- Entry cost & FX
- OKX EEA$0 plan · 0% OKX markup + Mastercard rate FXHolyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FX
OKX Card (EEA) has the lower published FX fee (0% OKX markup + Mastercard rate vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- OKX EEA2% base · up to 10%Holyheld0.5% base · up to 1%
OKX Card (EEA) has the higher published base cashback rate (2% vs 0.5%).
- Funds control
- OKX EEAHybrid custodyHolyheldHybrid custody
OKX Card (EEA) and Holyheld Card use the same hybrid custody setup.
- Everyday access
- OKX EEAVirtual · Apple Pay, Google PayHolyheldVirtual + Physical · Apple Pay, Google Pay
Holyheld 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 ExchangeHolyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transfer
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
- 0.5%-1%
- Plan cost
- $0
- FX fee
- Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- ATM fee
- Up to EUR 2 + 2.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 3 crypto · 1 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.
Holyheld 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)Overall85Holyheld CardOverall75
OKX Card (EEA)Overall85Holyheld CardOverall75Scores
6 fields- Overall Score
- OKX Card (EEA)85Holyheld Card75
- Cashback score
- OKX Card (EEA)82Holyheld Card64
- Travel score
- OKX Card (EEA)64Holyheld Card68
- Funds control score
- OKX Card (EEA)76Holyheld Card74
- Lowest fees score
- OKX Card (EEA)90Holyheld Card67
- Transfers score
- OKX Card (EEA)77Holyheld Card81
Strengths & trade-offs
2 fields- Strengths
- OKX Card (EEA)Low documented card costs, Current FAQ confirms 2%-10% USDG cashbackHolyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal Mastercard
- Trade-offs
- OKX Card (EEA)Virtual-only with no ATM access, 10% is conditional, capped VIP upsideHolyheld CardCountry eligibility is incomplete, Foreign spend can be expensive
Costs
7 fields- Plan cost
- OKX Card (EEA)$0Holyheld Card$0
- FX fee
- OKX Card (EEA)0% OKX markup + Mastercard rateHolyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- Top-up fee
- OKX Card (EEA)0%Holyheld Card0%
- Card spending fee
- OKX Card (EEA)0%Holyheld Card€0.50
- ATM fee
- OKX Card (EEA)Not availableHolyheld CardUp to EUR 2 + 2.5%
- Virtual card
- OKX Card (EEA)€0Holyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual access
- Physical card
- OKX Card (EEA)Not availableHolyheld CardClassic: EUR 29; Metal: EUR 199
Plans
2 fields- Available plans
- OKX Card (EEA)5 plans: Regular, VIP 1, VIP 2, VIP 3 +1Holyheld Card3 plans: Classic, Limited Edition, Metal
- Top cashback plan
- OKX Card (EEA)VIP 4+: 10%Holyheld CardMetal: 1%
Everyday use
8 fields- Network
- OKX Card (EEA)MastercardHolyheld CardMastercard
- Card formats
- OKX Card (EEA)VirtualHolyheld CardVirtual, Physical
- ATM withdrawals
- OKX Card (EEA)Not availableHolyheld CardAvailable
- Mobile wallets
- OKX Card (EEA)Apple Pay, Google PayHolyheld CardApple Pay, Google Pay
- Apps
- OKX Card (EEA)iOS, AndroidHolyheld 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.Holyheld CardEUR 10,000 daily
- Monthly spending limit
- OKX Card (EEA)No fixed monthly amount is published; balance and risk controls apply.Holyheld CardEUR 25,000 monthly; EUR 250,000 annually
- ATM limit
- OKX Card (EEA)ATM withdrawals are not supported.Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 days
Funding & transfers
5 fields- Networks
- OKX Card (EEA)X Layer, Ethereum, TRON, Arbitrum, Base, Avalanche +1Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2
- Crypto deposits
- OKX Card (EEA)Stablecoins: USDC, USDG, USDTHolyheld CardStablecoins: USDC, USDT
- Fiat deposits
- OKX Card (EEA)Not disclosedHolyheld CardPersonal EUR IBAN
- Transfers
- OKX Card (EEA)Stablecoin transfers; OKX Pay contacts, Transfer to OKX ExchangeHolyheld CardStablecoin transfers; Outgoing SEPA transfer
- Payout currencies
- OKX Card (EEA)Not disclosedHolyheld CardEUR
Rewards
3 fields- Base cashback
- OKX Card (EEA)2%Holyheld Card0.5%
- Max cashback
- OKX Card (EEA)10%Holyheld Card1%
- Reward currency
- OKX Card (EEA)USDG cashbackHolyheld CardUSDC
Earn
5 fields- Advertised APY
- OKX Card (EEA)Not disclosedHolyheld CardNot disclosed
- How it works
- OKX Card (EEA)Not disclosedHolyheld CardOptional earn vault
- Separate deposit
- OKX Card (EEA)Not disclosedHolyheld CardYes
- Use balance for spending
- OKX Card (EEA)Not disclosedHolyheld CardNot disclosed
- Lock-up
- OKX Card (EEA)Not disclosedHolyheld CardNo
Trust & availability
5 fields- Custody
- OKX Card (EEA)Hybrid custodyHolyheld CardHybrid custody
- Control until payment
- OKX Card (EEA)You keep controlHolyheld CardProvider controls funds
- Card issuer
- OKX Card (EEA)UAB MonavateHolyheld CardUnlimit EU Ltd
- Identity verification
- OKX Card (EEA)Not disclosedHolyheld CardSumsub / Idenfy
- Programme operator
- OKX Card (EEA)OKX Europe LimitedHolyheld CardHolyheld Labs AG
Sources
2 fields- Official sources
- OKX Card (EEA)21Holyheld Card28
- Last reviewed
- OKX Card (EEA)Aug 5, 2026Holyheld CardAug 12, 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 75 for Holyheld Card. OKX Card (EEA) has the lower published FX fee (0% OKX markup + Mastercard rate vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). OKX Card (EEA) has the higher published base cashback rate (2% vs 0.5%).
Holyheld Card still comes out ahead for Travel and Transfers, which may matter more than the overall result if that is how you plan to use the card. OKX Card (EEA) and Holyheld Card use the same hybrid custody setup.
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 Holyheld Card reviews first.
Continue with
OKX Card (EEA)
Continue with
Holyheld Card
05 · Common questions
OKX EEA vs Holyheld FAQ
Is OKX EEA or Holyheld better overall?
OKX Card (EEA) has the higher Overall Score (85 vs 75). 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 Holyheld?
OKX Card (EEA) has the lower published FX fee (0% OKX markup + Mastercard rate vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). 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 Holyheld?
OKX Card (EEA) has the higher published base cashback rate (2% vs 0.5%). 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 Holyheld differ on custody?
OKX Card (EEA) and Holyheld Card use the same hybrid custody setup.
How current is this OKX EEA vs Holyheld comparison?
The latest information check for these two cards was August 12, 2026, using 49 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.