OKX EuropeOKX EEA
85
Side-by-side card comparison
OKX EEA vs Xapo: overall score versus use-case fit
OKX Card (EEA) has the higher Overall Score by 15 points (85 vs 70). OKX Card (EEA) looks stronger for Cashback, Funds control, and Lowest fees, while Xapo Card comes out ahead for Travel and Transfers.
Information checked Sep 1, 202642 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. Xapo 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 EEA85Xapo70Higher score
CashbackOKX EEA82Xapo24Higher score
TravelOKX EEA64Xapo91Higher score
Funds controlOKX EEA76Xapo63Higher score
Lowest feesOKX EEA90Xapo77Higher score
TransfersOKX EEA77Xapo100Higher 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 Xapo Card if travel and transfers matter most
Xapo 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.
- No Xapo FX markup
- Account-backed bank and crypto rails
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 EEA85Xapo70
OKX Card (EEA) has the higher Overall Score by 15 points.
- Entry cost & FX
- OKX EEA$0 plan · 0% OKX markup + Mastercard rate FXXapo$1,000/year plan · 0–0.29% FX
OKX Card (EEA) has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- OKX EEA2% base · up to 10%Xapo0% base · up to 3%
OKX Card (EEA) has the higher published base cashback rate (2% vs 0%).
- Funds control
- OKX EEAHybrid custodyXapoCustodial balance
OKX Card (EEA) uses a hybrid custody setup, while Xapo 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 PayXapoVirtual + Physical · Unknown
OKX Card (EEA) lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- OKX EEA3 stablecoins · Stablecoin transfers; OKX Pay contacts, Transfer to OKX ExchangeXapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
Xapo Card lists more stablecoins and ways to send money out (8 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
- 0%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 3 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.
Xapo 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)Overall85Xapo CardOverall70
OKX Card (EEA)Overall85Xapo CardOverall70Scores
6 fields- Overall Score
- OKX Card (EEA)85Xapo Card70
- Cashback score
- OKX Card (EEA)82Xapo Card24
- Travel score
- OKX Card (EEA)64Xapo Card91
- Funds control score
- OKX Card (EEA)76Xapo Card63
- Lowest fees score
- OKX Card (EEA)90Xapo Card77
- Transfers score
- OKX Card (EEA)77Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- OKX Card (EEA)Low documented card costs, Current FAQ confirms 2%-10% USDG cashbackXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- OKX Card (EEA)Virtual-only with no ATM access, 10% is conditional, capped VIP upsideXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- OKX Card (EEA)$0Xapo Card$1,000/year
- FX fee
- OKX Card (EEA)0% OKX markup + Mastercard rateXapo Card0–0.29%
- Top-up fee
- OKX Card (EEA)0%Xapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- OKX Card (EEA)0%Xapo Card0%
- ATM fee
- OKX Card (EEA)Not availableXapo Card0–2%
- Virtual card
- OKX Card (EEA)€0Xapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- OKX Card (EEA)Not availableXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- OKX Card (EEA)5 plans: Regular, VIP 1, VIP 2, VIP 3 +1Xapo Card1 plans: Xapo Bank membership
- Top cashback plan
- OKX Card (EEA)VIP 4+: 10%Xapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- OKX Card (EEA)MastercardXapo CardVisa/Mastercard
- Card formats
- OKX Card (EEA)VirtualXapo CardVirtual, Physical
- ATM withdrawals
- OKX Card (EEA)Not availableXapo CardAvailable
- Mobile wallets
- OKX Card (EEA)Apple Pay, Google PayXapo CardNot disclosed
- Apps
- OKX Card (EEA)iOS, AndroidXapo 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.Xapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- OKX Card (EEA)No fixed monthly amount is published; balance and risk controls apply.Xapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- OKX Card (EEA)ATM withdrawals are not supported.Xapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- OKX Card (EEA)X Layer, Ethereum, TRON, Arbitrum, Base, Avalanche +1Xapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- OKX Card (EEA)Stablecoins: USDC, USDG, USDTXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- OKX Card (EEA)Not disclosedXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- OKX Card (EEA)Stablecoin transfers; OKX Pay contacts, Transfer to OKX ExchangeXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- OKX Card (EEA)Not disclosedXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- OKX Card (EEA)2%Xapo Card0%
- Max cashback
- OKX Card (EEA)10%Xapo Card3%
- Reward currency
- OKX Card (EEA)USDG cashbackXapo CardBTC
Earn
5 fields- Advertised APY
- OKX Card (EEA)Not disclosedXapo CardUp to 3.35% APY
- How it works
- OKX Card (EEA)Not disclosedXapo CardEarn on spending balance
- Separate deposit
- OKX Card (EEA)Not disclosedXapo CardNo
- Use balance for spending
- OKX Card (EEA)Not disclosedXapo CardYes
- Lock-up
- OKX Card (EEA)Not disclosedXapo CardNo
Trust & availability
5 fields- Custody
- OKX Card (EEA)Hybrid custodyXapo CardCustodial
- Control until payment
- OKX Card (EEA)You keep controlXapo CardProvider controls funds
- Card issuer
- OKX Card (EEA)UAB MonavateXapo CardTransact Payments Malta Limited
- Bank transfers
- OKX Card (EEA)Not disclosedXapo CardXapo Bank Limited
- Programme operator
- OKX Card (EEA)OKX Europe LimitedXapo CardNot disclosed
Sources
2 fields- Official sources
- OKX Card (EEA)21Xapo Card21
- Last reviewed
- OKX Card (EEA)Aug 5, 2026Xapo CardSep 1, 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 70 for Xapo Card. OKX Card (EEA) has the lower starting plan cost ($0 vs $1,000/year). OKX Card (EEA) has the higher published base cashback rate (2% vs 0%).
Xapo 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 Xapo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Xapo Card lists more stablecoins and ways to send money out (8 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 Xapo Card reviews first.
Continue with
OKX Card (EEA)
Continue with
Xapo Card
05 · Common questions
OKX EEA vs Xapo FAQ
Is OKX EEA or Xapo better overall?
OKX Card (EEA) has the higher Overall Score (85 vs 70). 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 Xapo?
OKX Card (EEA) has the lower starting plan cost ($0 vs $1,000/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 Xapo?
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 Xapo differ on custody?
OKX Card (EEA) uses a hybrid custody setup, while Xapo 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 Xapo comparison?
The latest information check for these two cards was September 1, 2026, using 42 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.