OKX EuropeOKX EEA
85
Side-by-side card comparison
OKX EEA vs Payy: overall score versus use-case fit
OKX Card (EEA) has the higher Overall Score by 23 points (85 vs 62). OKX Card (EEA) looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Payy Card comes out ahead for Funds control.
Information checked Aug 5, 202626 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. Payy Card may be the better fit for Funds control. 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 EEA85Payy62Higher score
CashbackOKX EEA82Payy17Higher score
TravelOKX EEA64Payy27Higher score
Funds controlOKX EEA76Payy97Higher score
Lowest feesOKX EEA90Payy57Higher score
TransfersOKX EEA77Payy68Higher score
Choose OKX Card (EEA) if cashback and travel matter most
OKX Card (EEA) comes out ahead for Cashback, Travel, Lowest fees, and Transfers 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 Payy Card if funds control matters most
Payy Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody wallet control
- No monthly or transaction fee
- Instant virtual Visa with phone wallets
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 EEA85Payy62
OKX Card (EEA) has the higher Overall Score by 23 points.
- Entry cost & FX
- OKX EEA$0 plan · 0% OKX markup + Mastercard rate FXPayy$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%Payy0% cashback
OKX Card (EEA) has the higher published base cashback rate (2% vs 0%).
- Funds control
- OKX EEAHybrid custodyPayySelf-controlled wallet
OKX Card (EEA) uses a hybrid custody setup, while Payy 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 PayPayyVirtual · 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 ExchangePayy1 stablecoin · Stablecoin transfers; Payy payment links
OKX Card (EEA) lists more stablecoins and ways to send money out (6 vs 3).
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
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 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.
Payy 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)Overall85Payy CardOverall62
OKX Card (EEA)Overall85Payy CardOverall62Scores
6 fields- Overall Score
- OKX Card (EEA)85Payy Card62
- Cashback score
- OKX Card (EEA)82Payy Card17
- Travel score
- OKX Card (EEA)64Payy Card27
- Funds control score
- OKX Card (EEA)76Payy Card97
- Lowest fees score
- OKX Card (EEA)90Payy Card57
- Transfers score
- OKX Card (EEA)77Payy Card68
Strengths & trade-offs
2 fields- Strengths
- OKX Card (EEA)Low documented card costs, Current FAQ confirms 2%-10% USDG cashbackPayy CardSelf-custody wallet control, No monthly or transaction fee
- Trade-offs
- OKX Card (EEA)Virtual-only with no ATM access, 10% is conditional, capped VIP upsidePayy CardFX can reach 3%, Cash and physical access are constrained
Costs
7 fields- Plan cost
- OKX Card (EEA)$0Payy Card$0
- FX fee
- OKX Card (EEA)0% OKX markup + Mastercard ratePayy Card1–3%
- Top-up fee
- OKX Card (EEA)0%Payy Card0%
- Card spending fee
- OKX Card (EEA)0%Payy Card0%
- ATM fee
- OKX Card (EEA)Not availablePayy CardNot available
- Virtual card
- OKX Card (EEA)€0Payy CardFree; instant after KYC
- Physical card
- OKX Card (EEA)Not availablePayy CardNot disclosed
Plans
2 fields- Available plans
- OKX Card (EEA)5 plans: Regular, VIP 1, VIP 2, VIP 3 +1Payy CardNot disclosed
- Top cashback plan
- OKX Card (EEA)VIP 4+: 10%Payy CardNot disclosed
Everyday use
8 fields- Network
- OKX Card (EEA)MastercardPayy CardVisa/Other network
- Card formats
- OKX Card (EEA)VirtualPayy CardVirtual
- ATM withdrawals
- OKX Card (EEA)Not availablePayy CardNot available
- Mobile wallets
- OKX Card (EEA)Apple Pay, Google PayPayy CardApple Pay, Google Pay
- Apps
- OKX Card (EEA)iOS, AndroidPayy 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.Payy CardNot disclosed
- Monthly spending limit
- OKX Card (EEA)No fixed monthly amount is published; balance and risk controls apply.Payy CardNot disclosed
- ATM limit
- OKX Card (EEA)ATM withdrawals are not supported.Payy CardNot disclosed
Funding & transfers
5 fields- Networks
- OKX Card (EEA)X Layer, Ethereum, TRON, Arbitrum, Base, Avalanche +1Payy CardPolygon, Payy Network
- Crypto deposits
- OKX Card (EEA)Stablecoins: USDC, USDG, USDTPayy CardStablecoins: USDC
- Fiat deposits
- OKX Card (EEA)Not disclosedPayy CardBank-account deposit
- Transfers
- OKX Card (EEA)Stablecoin transfers; OKX Pay contacts, Transfer to OKX ExchangePayy CardStablecoin transfers; Payy payment links
- Payout currencies
- OKX Card (EEA)Not disclosedPayy CardNot disclosed
Rewards
3 fields- Base cashback
- OKX Card (EEA)2%Payy Card0%
- Max cashback
- OKX Card (EEA)10%Payy Card0%
- Reward currency
- OKX Card (EEA)USDG cashbackPayy CardNo cashback
Earn
5 fields- Advertised APY
- OKX Card (EEA)Not disclosedPayy CardNot offered
- How it works
- OKX Card (EEA)Not disclosedPayy CardNot offered
- Separate deposit
- OKX Card (EEA)Not disclosedPayy CardNot offered
- Use balance for spending
- OKX Card (EEA)Not disclosedPayy CardNot offered
- Lock-up
- OKX Card (EEA)Not disclosedPayy CardNot offered
Trust & availability
5 fields- Custody
- OKX Card (EEA)Hybrid custodyPayy CardSelf-custody
- Control until payment
- OKX Card (EEA)You keep controlPayy CardYou keep control
- Card issuer
- OKX Card (EEA)UAB MonavatePayy CardThird National / Rain
- Card processing
- OKX Card (EEA)Not disclosedPayy CardRain
- Programme operator
- OKX Card (EEA)OKX Europe LimitedPayy CardNot disclosed
Sources
2 fields- Official sources
- OKX Card (EEA)21Payy Card5
- Last reviewed
- OKX Card (EEA)Aug 5, 2026Payy CardAug 5, 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 62 for Payy 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%).
Payy Card still comes out ahead for Funds control, 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 Payy 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 3). 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 Payy Card reviews first.
Continue with
OKX Card (EEA)
Continue with
Payy Card
05 · Common questions
OKX EEA vs Payy FAQ
Is OKX EEA or Payy better overall?
OKX Card (EEA) has the higher Overall Score (85 vs 62). 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 Payy?
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 Payy?
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 Payy differ on custody?
OKX Card (EEA) uses a hybrid custody setup, while Payy 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 Payy comparison?
The latest information check for these two cards was August 5, 2026, using 26 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.