OKX EuropeOKX EEA
85
Side-by-side card comparison
OKX EEA vs Kolo: overall score versus use-case fit
OKX Card (EEA) has the higher Overall Score by 12 points (85 vs 73). OKX Card (EEA) looks stronger for Cashback, Funds control, and Lowest fees, while Kolo Card comes out ahead for Travel and Transfers.
Information checked Aug 28, 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. Kolo 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 EEA85Kolo73Higher score
CashbackOKX EEA82Kolo54Higher score
TravelOKX EEA64Kolo70Higher score
Funds controlOKX EEA76Kolo56Higher score
Lowest feesOKX EEA90Kolo83Higher score
TransfersOKX EEA77Kolo92Higher 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 Kolo Card if travel and transfers matter most
Kolo 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.
- Free virtual Visa Platinum
- 2% BTC cashback for 30 days
- Several withdrawal routes
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 EEA85Kolo73
OKX Card (EEA) has the higher Overall Score by 12 points.
- Entry cost & FX
- OKX EEA$0 plan · 0% OKX markup + Mastercard rate FXKolo$0 plan · 1% FX
OKX Card (EEA) has the lower published FX fee (0% OKX markup + Mastercard rate vs 1%).
- Purchase rewards
- OKX EEA2% base · up to 10%Kolo1% base · up to 2%
OKX Card (EEA) has the higher published base cashback rate (2% vs 1%).
- Funds control
- OKX EEAHybrid custodyKoloCustodial balance
OKX Card (EEA) uses a hybrid custody setup, while Kolo 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 PayKoloVirtual · 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 ExchangeKolo5 stablecoins · Stablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
Kolo Card lists more stablecoins and ways to send money out (10 vs 6).
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
- 1%-2%
- Plan cost
- $0
- FX fee
- 1%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 20 crypto · 0 fiat
- Payout methods
- 20 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.
Kolo 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)Overall85Kolo CardOverall73
OKX Card (EEA)Overall85Kolo CardOverall73Scores
6 fields- Overall Score
- OKX Card (EEA)85Kolo Card73
- Cashback score
- OKX Card (EEA)82Kolo Card54
- Travel score
- OKX Card (EEA)64Kolo Card70
- Funds control score
- OKX Card (EEA)76Kolo Card56
- Lowest fees score
- OKX Card (EEA)90Kolo Card83
- Transfers score
- OKX Card (EEA)77Kolo Card92
Strengths & trade-offs
2 fields- Strengths
- OKX Card (EEA)Low documented card costs, Current FAQ confirms 2%-10% USDG cashbackKolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 days
- Trade-offs
- OKX Card (EEA)Virtual-only with no ATM access, 10% is conditional, capped VIP upsideKolo CardConversion and FX fees can stack, Card spending uses a custodial wallet
Costs
7 fields- Plan cost
- OKX Card (EEA)$0Kolo Card$0
- FX fee
- OKX Card (EEA)0% OKX markup + Mastercard rateKolo Card1%
- Top-up fee
- OKX Card (EEA)0%Kolo Card0%
- Card spending fee
- OKX Card (EEA)0%Kolo CardNot disclosed
- ATM fee
- OKX Card (EEA)Not availableKolo Card$1 + 0.65%
- Virtual card
- OKX Card (EEA)€0Kolo CardFree
- Physical card
- OKX Card (EEA)Not availableKolo CardPlanned for Q3 2026; not currently available
Plans
2 fields- Available plans
- OKX Card (EEA)5 plans: Regular, VIP 1, VIP 2, VIP 3 +1Kolo CardNot disclosed
- Top cashback plan
- OKX Card (EEA)VIP 4+: 10%Kolo CardNot disclosed
Everyday use
8 fields- Network
- OKX Card (EEA)MastercardKolo CardVisa
- Card formats
- OKX Card (EEA)VirtualKolo CardVirtual
- ATM withdrawals
- OKX Card (EEA)Not availableKolo CardAvailable
- Mobile wallets
- OKX Card (EEA)Apple Pay, Google PayKolo CardApple Pay, Google Pay
- Apps
- OKX Card (EEA)iOS, AndroidKolo 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.Kolo Card$9,000/day
- Monthly spending limit
- OKX Card (EEA)No fixed monthly amount is published; balance and risk controls apply.Kolo Card$9,000/month
- ATM limit
- OKX Card (EEA)ATM withdrawals are not supported.Kolo Card$500/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- OKX Card (EEA)X Layer, Ethereum, TRON, Arbitrum, Base, Avalanche +1Kolo CardNot disclosed
- Crypto deposits
- OKX Card (EEA)Stablecoins: USDC, USDG, USDTKolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10
- Fiat deposits
- OKX Card (EEA)Not disclosedKolo CardNot disclosed
- Transfers
- OKX Card (EEA)Stablecoin transfers; OKX Pay contacts, Transfer to OKX ExchangeKolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
- Payout currencies
- OKX Card (EEA)Not disclosedKolo CardEUR
Rewards
3 fields- Base cashback
- OKX Card (EEA)2%Kolo Card1%
- Max cashback
- OKX Card (EEA)10%Kolo Card2%
- Reward currency
- OKX Card (EEA)USDG cashbackKolo CardBTC cashback
Earn
5 fields- Advertised APY
- OKX Card (EEA)Not disclosedKolo CardNot offered
- How it works
- OKX Card (EEA)Not disclosedKolo CardNot offered
- Separate deposit
- OKX Card (EEA)Not disclosedKolo CardNot offered
- Use balance for spending
- OKX Card (EEA)Not disclosedKolo CardNot offered
- Lock-up
- OKX Card (EEA)Not disclosedKolo CardNot offered
Trust & availability
5 fields- Custody
- OKX Card (EEA)Hybrid custodyKolo CardCustodial
- Control until payment
- OKX Card (EEA)You keep controlKolo CardProvider controls funds
- Card issuer
- OKX Card (EEA)UAB MonavateKolo CardBanco Popular de Puerto Rico, Wirex Limited
- Identity verification
- OKX Card (EEA)Not disclosedKolo CardSumSub
- Programme operator
- OKX Card (EEA)OKX Europe LimitedKolo CardHardline Holding Limited
Sources
2 fields- Official sources
- OKX Card (EEA)21Kolo Card28
- Last reviewed
- OKX Card (EEA)Aug 5, 2026Kolo CardAug 28, 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 73 for Kolo Card. OKX Card (EEA) has the lower published FX fee (0% OKX markup + Mastercard rate vs 1%). OKX Card (EEA) has the higher published base cashback rate (2% vs 1%).
Kolo 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) uses a hybrid custody setup, while Kolo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Kolo Card lists more stablecoins and ways to send money out (10 vs 6). 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 Kolo Card reviews first.
Continue with
OKX Card (EEA)
Continue with
Kolo Card
05 · Common questions
OKX EEA vs Kolo FAQ
Is OKX EEA or Kolo better overall?
OKX Card (EEA) has the higher Overall Score (85 vs 73). 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 Kolo?
OKX Card (EEA) has the lower published FX fee (0% OKX markup + Mastercard rate vs 1%). 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 Kolo?
OKX Card (EEA) has the higher published base cashback rate (2% vs 1%). 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 Kolo differ on custody?
OKX Card (EEA) uses a hybrid custody setup, while Kolo 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 Kolo comparison?
The latest information check for these two cards was August 28, 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.