OKX EuropeOKX EEA
85
Side-by-side card comparison
OKX EEA vs Karta Personal: overall score versus use-case fit
OKX Card (EEA) has the higher Overall Score by 24 points (85 vs 61). OKX Card (EEA) looks stronger for Cashback, Travel, and Lowest fees, while Karta Personal Card comes out ahead for Funds control and Transfers.
Information checked Aug 11, 202646 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. Karta Personal 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 EEA85Karta Personal61Higher score
CashbackOKX EEA82Karta Personal14Higher score
TravelOKX EEA64Karta Personal46Higher score
Funds controlOKX EEA76Karta Personal92Higher score
Lowest feesOKX EEA90Karta Personal53Higher score
TransfersOKX EEA77Karta Personal90Higher 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 Karta Personal Card if funds control and transfers matter most
Karta Personal 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.
- USDT and USDC deposits across multiple networks
- Apple Pay, Google Pay and contactless ATM access
- Live multi-network crypto payouts
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 EEA85Karta Personal61
OKX Card (EEA) has the higher Overall Score by 24 points.
- Entry cost & FX
- OKX EEA$0 plan · 0% OKX markup + Mastercard rate FXKarta Personal$0 plan · 1–3% FX
OKX Card (EEA) has the lower published FX fee (0% OKX markup + Mastercard rate vs 1–3%).
- Purchase rewards
- OKX EEA2% base · up to 10%Karta Personal0% cashback
OKX Card (EEA) has the higher published base cashback rate (2% vs 0%).
- Funds control
- OKX EEAHybrid custodyKarta PersonalSelf-controlled wallet
OKX Card (EEA) uses a hybrid custody setup, while Karta Personal 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 PayKarta PersonalVirtual · 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 ExchangeKarta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payout
Both cards list the same number of stablecoins and ways to send money out.
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%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- USD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 5 crypto · 0 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.
Karta Personal 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)Overall85Karta Personal CardOverall61
OKX Card (EEA)Overall85Karta Personal CardOverall61Scores
6 fields- Overall Score
- OKX Card (EEA)85Karta Personal Card61
- Cashback score
- OKX Card (EEA)82Karta Personal Card14
- Travel score
- OKX Card (EEA)64Karta Personal Card46
- Funds control score
- OKX Card (EEA)76Karta Personal Card92
- Lowest fees score
- OKX Card (EEA)90Karta Personal Card53
- Transfers score
- OKX Card (EEA)77Karta Personal Card90
Strengths & trade-offs
2 fields- Strengths
- OKX Card (EEA)Low documented card costs, Current FAQ confirms 2%-10% USDG cashbackKarta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM access
- Trade-offs
- OKX Card (EEA)Virtual-only with no ATM access, 10% is conditional, capped VIP upsideKarta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surface
Costs
7 fields- Plan cost
- OKX Card (EEA)$0Karta Personal Card$0
- FX fee
- OKX Card (EEA)0% OKX markup + Mastercard rateKarta Personal Card1–3%
- Top-up fee
- OKX Card (EEA)0%Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20
- Card spending fee
- OKX Card (EEA)0%Karta Personal Card1.5%
- ATM fee
- OKX Card (EEA)Not availableKarta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Virtual card
- OKX Card (EEA)€0Karta Personal Card5 USDT one-time
- Physical card
- OKX Card (EEA)Not availableKarta Personal Card99 USDT plastic / 299 USDT Metal LED preorder
Plans
2 fields- Available plans
- OKX Card (EEA)5 plans: Regular, VIP 1, VIP 2, VIP 3 +1Karta Personal CardNot disclosed
- Top cashback plan
- OKX Card (EEA)VIP 4+: 10%Karta Personal CardNot disclosed
Everyday use
8 fields- Network
- OKX Card (EEA)MastercardKarta Personal CardVisa
- Card formats
- OKX Card (EEA)VirtualKarta Personal CardVirtual
- ATM withdrawals
- OKX Card (EEA)Not availableKarta Personal CardAvailable
- Mobile wallets
- OKX Card (EEA)Apple Pay, Google PayKarta Personal CardApple Pay, Google Pay
- Apps
- OKX Card (EEA)iOS, AndroidKarta Personal CardNo app listed
- 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.Karta Personal Card$25,000 per transaction; no universal daily amount published
- Monthly spending limit
- OKX Card (EEA)No fixed monthly amount is published; balance and risk controls apply.Karta Personal CardNot publicly disclosed; limits are dynamic
- ATM limit
- OKX Card (EEA)ATM withdrawals are not supported.Karta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24h
Funding & transfers
5 fields- Networks
- OKX Card (EEA)X Layer, Ethereum, TRON, Arbitrum, Base, Avalanche +1Karta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17
- Crypto deposits
- OKX Card (EEA)Stablecoins: USDC, USDG, USDTKarta Personal CardStablecoins: USDT, USDC
- Fiat deposits
- OKX Card (EEA)Not disclosedKarta Personal CardBank deposits
- Transfers
- OKX Card (EEA)Stablecoin transfers; OKX Pay contacts, Transfer to OKX ExchangeKarta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payout
- Payout currencies
- OKX Card (EEA)Not disclosedKarta Personal CardNot disclosed
Rewards
3 fields- Base cashback
- OKX Card (EEA)2%Karta Personal Card0%
- Max cashback
- OKX Card (EEA)10%Karta Personal Card0%
- Reward currency
- OKX Card (EEA)USDG cashbackKarta Personal CardNo cashback
Earn
5 fields- Advertised APY
- OKX Card (EEA)Not disclosedKarta Personal CardNot offered
- How it works
- OKX Card (EEA)Not disclosedKarta Personal CardNot offered
- Separate deposit
- OKX Card (EEA)Not disclosedKarta Personal CardNot offered
- Use balance for spending
- OKX Card (EEA)Not disclosedKarta Personal CardNot offered
- Lock-up
- OKX Card (EEA)Not disclosedKarta Personal CardNot offered
Trust & availability
6 fields- Custody
- OKX Card (EEA)Hybrid custodyKarta Personal CardSelf-custody
- Control until payment
- OKX Card (EEA)You keep controlKarta Personal CardYou keep control
- Card issuer
- OKX Card (EEA)UAB MonavateKarta Personal CardNimbus LLC d/b/a Third National
- Custody / key management
- OKX Card (EEA)Not disclosedKarta Personal CardPrivy
- Identity verification
- OKX Card (EEA)Not disclosedKarta Personal CardSumsub
- Programme operator
- OKX Card (EEA)OKX Europe LimitedKarta Personal CardKarta Finance, Inc.
Sources
2 fields- Official sources
- OKX Card (EEA)21Karta Personal Card25
- Last reviewed
- OKX Card (EEA)Aug 5, 2026Karta Personal CardAug 11, 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 61 for Karta Personal Card. OKX Card (EEA) has the lower published FX fee (0% OKX markup + Mastercard rate vs 1–3%). OKX Card (EEA) has the higher published base cashback rate (2% vs 0%).
Karta Personal 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 Karta Personal Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. 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 Karta Personal Card reviews first.
Continue with
OKX Card (EEA)
Continue with
Karta Personal Card
05 · Common questions
OKX EEA vs Karta Personal FAQ
Is OKX EEA or Karta Personal better overall?
OKX Card (EEA) has the higher Overall Score (85 vs 61). 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 Karta Personal?
OKX Card (EEA) has the lower published FX fee (0% OKX markup + Mastercard rate vs 1–3%). 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 Karta Personal?
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 Karta Personal differ on custody?
OKX Card (EEA) uses a hybrid custody setup, while Karta Personal 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 Karta Personal comparison?
The latest information check for these two cards was August 11, 2026, using 46 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.