OKX EuropeOKX EEA
85
Side-by-side card comparison
OKX EEA vs Solayer Pay: fees, rewards and account setup
OKX Card (EEA) has the higher Overall Score by 30 points (85 vs 55). OKX Card (EEA) also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Solayer Pay Card may still be the better personal fit.
Information checked Aug 12, 202646 official sources reviewed
01 · Make the first cut
OKX Card (EEA) is the better all-round starting point
OKX Card (EEA) has the higher Overall Score in this comparison. Solayer Pay Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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 EEA85Solayer Pay55Higher score
CashbackOKX EEA82Solayer Pay20Higher score
TravelOKX EEA64Solayer Pay53Higher score
Funds controlOKX EEA76Solayer Pay47Higher score
Lowest feesOKX EEA90Solayer Pay43Higher score
TransfersOKX EEA77Solayer Pay29Higher score
Choose OKX Card (EEA) if cashback and travel matter most
OKX Card (EEA) comes out ahead for Cashback, Travel, Funds control, 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 Solayer Pay Card if its day-to-day setup suits you
Solayer Pay Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Virtual and physical Visa cards
- Spend USDC from Solana
- sUSD can earn while spendable
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- OKX EEA85Solayer Pay55
OKX Card (EEA) has the higher Overall Score by 30 points.
- Entry cost & FX
- OKX EEA$0 plan · 0% OKX markup + Mastercard rate FXSolayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FX
OKX Card (EEA) has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- OKX EEA2% base · up to 10%Solayer Pay0% base
OKX Card (EEA) has the higher published base cashback rate (2% vs 0%).
- Funds control
- OKX EEAHybrid custodySolayer PayCustodial balance
OKX Card (EEA) uses a hybrid custody setup, while Solayer Pay 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 PaySolayer PayVirtual + Physical · Apple Pay, Google Pay
Solayer Pay 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 ExchangeSolayer Pay1 stablecoin · Not modeled
OKX Card (EEA) lists more stablecoins and ways to send money out (6 vs 1).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- 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% base
- Plan cost
- $20/year
- FX fee
- Up to 3% stated + $0.10; components may stack
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 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.
Solayer Pay 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
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsOKX Card (EEA)Overall85Solayer Pay CardOverall55
OKX Card (EEA)Overall85Solayer Pay CardOverall55Scores
6 fields- Overall Score
- OKX Card (EEA)85Solayer Pay Card55
- Cashback score
- OKX Card (EEA)82Solayer Pay Card20
- Travel score
- OKX Card (EEA)64Solayer Pay Card53
- Funds control score
- OKX Card (EEA)76Solayer Pay Card47
- Lowest fees score
- OKX Card (EEA)90Solayer Pay Card43
- Transfers score
- OKX Card (EEA)77Solayer Pay Card29
Strengths & trade-offs
2 fields- Strengths
- OKX Card (EEA)Low documented card costs, Current FAQ confirms 2%-10% USDG cashbackSolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solana
- Trade-offs
- OKX Card (EEA)Virtual-only with no ATM access, 10% is conditional, capped VIP upsideSolayer Pay CardPurchases earn Emerald Points, FX costs vary by region
Costs
7 fields- Plan cost
- OKX Card (EEA)$0Solayer Pay Card$20/year
- FX fee
- OKX Card (EEA)0% OKX markup + Mastercard rateSolayer Pay CardUp to 3% stated + $0.10; components may stack
- Top-up fee
- OKX Card (EEA)0%Solayer Pay Card1%
- Card spending fee
- OKX Card (EEA)0%Solayer Pay Card$0.15
- ATM fee
- OKX Card (EEA)Not availableSolayer Pay CardNot disclosed
- Virtual card
- OKX Card (EEA)€0Solayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base plan
- Physical card
- OKX Card (EEA)Not availableSolayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- OKX Card (EEA)5 plans: Regular, VIP 1, VIP 2, VIP 3 +1Solayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- OKX Card (EEA)VIP 4+: 10%Solayer Pay CardNot disclosed
Everyday use
8 fields- Network
- OKX Card (EEA)MastercardSolayer Pay CardVisa
- Card formats
- OKX Card (EEA)VirtualSolayer Pay CardVirtual, Physical
- ATM withdrawals
- OKX Card (EEA)Not availableSolayer Pay CardAvailable
- Mobile wallets
- OKX Card (EEA)Apple Pay, Google PaySolayer Pay CardApple Pay, Google Pay
- Apps
- OKX Card (EEA)iOS, AndroidSolayer Pay 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.Solayer Pay CardShown in app
- Monthly spending limit
- OKX Card (EEA)No fixed monthly amount is published; balance and risk controls apply.Solayer Pay CardShown in app
- ATM limit
- OKX Card (EEA)ATM withdrawals are not supported.Solayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- OKX Card (EEA)X Layer, Ethereum, TRON, Arbitrum, Base, Avalanche +1Solayer Pay CardSolana
- Crypto deposits
- OKX Card (EEA)Stablecoins: USDC, USDG, USDTSolayer Pay CardStablecoins: USDC
- Fiat deposits
- OKX Card (EEA)Not disclosedSolayer Pay CardNot disclosed
- Transfers
- OKX Card (EEA)Stablecoin transfers; OKX Pay contacts, Transfer to OKX ExchangeSolayer Pay CardNot disclosed
- Payout currencies
- OKX Card (EEA)Not disclosedSolayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- OKX Card (EEA)2%Solayer Pay Card0%
- Max cashback
- OKX Card (EEA)10%Solayer Pay CardNot disclosed
- Reward currency
- OKX Card (EEA)USDG cashbackSolayer Pay CardEmerald Points
Earn
5 fields- Advertised APY
- OKX Card (EEA)Not disclosedSolayer Pay CardUp to 3.5% APY
- How it works
- OKX Card (EEA)Not disclosedSolayer Pay CardEarn on spending balance
- Separate deposit
- OKX Card (EEA)Not disclosedSolayer Pay CardNo
- Use balance for spending
- OKX Card (EEA)Not disclosedSolayer Pay CardYes
- Lock-up
- OKX Card (EEA)Not disclosedSolayer Pay CardNo
Trust & availability
5 fields- Custody
- OKX Card (EEA)Hybrid custodySolayer Pay CardCustodial
- Control until payment
- OKX Card (EEA)You keep controlSolayer Pay CardProvider controls funds
- Card issuer
- OKX Card (EEA)UAB MonavateSolayer Pay CardThird National
- Identity verification
- OKX Card (EEA)Not disclosedSolayer Pay CardSumsub
- Programme operator
- OKX Card (EEA)OKX Europe LimitedSolayer Pay CardSolayer Labs, Inc.
Sources
2 fields- Official sources
- OKX Card (EEA)21Solayer Pay Card25
- Last reviewed
- OKX Card (EEA)Aug 5, 2026Solayer Pay CardAug 12, 2026
04 · The takeaway
OKX Card (EEA) is the stronger all-round choice
OKX Card (EEA) finishes ahead with an Overall Score of 85 versus 55 for Solayer Pay Card. OKX Card (EEA) has the lower starting plan cost ($0 vs $20/year). OKX Card (EEA) has the higher published base cashback rate (2% vs 0%).
Solayer Pay Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. OKX Card (EEA) uses a hybrid custody setup, while Solayer Pay 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 1). 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 Solayer Pay Card reviews first.
Continue with
OKX Card (EEA)
Continue with
Solayer Pay Card
05 · Common questions
OKX EEA vs Solayer Pay FAQ
Is OKX EEA or Solayer Pay better overall?
OKX Card (EEA) has the higher Overall Score (85 vs 55). 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 Solayer Pay?
OKX Card (EEA) has the lower starting plan cost ($0 vs $20/year). 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 Solayer Pay?
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 Solayer Pay differ on custody?
OKX Card (EEA) uses a hybrid custody setup, while Solayer Pay 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 Solayer Pay comparison?
The latest information check for these two cards was August 12, 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.