OKX EuropeOKX EEA
85
Side-by-side card comparison
OKX EEA vs XPlace: overall score versus use-case fit
OKX Card (EEA) has the higher Overall Score by 17 points (85 vs 68). OKX Card (EEA) looks stronger for Cashback, Funds control, Lowest fees, and Transfers, while XPlace Card comes out ahead for Travel.
Information checked Sep 20, 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. XPlace Card may be the better fit for Travel. 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 EEA85XPlace68Higher score
CashbackOKX EEA82XPlace49Higher score
TravelOKX EEA64XPlace65Higher score
Funds controlOKX EEA76XPlace67Higher score
Lowest feesOKX EEA89XPlace65Higher score
TransfersOKX EEA76XPlace62Higher score
Choose OKX Card (EEA) if cashback and funds control matter most
OKX Card (EEA) comes out ahead for Cashback, 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 XPlace Card if travel matters most
XPlace Card comes out ahead for Travel in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Two distinct USDC spending modes
- Tiered USDC cashback with published caps
- Phone wallets and non-custodial collateral
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 EEA85XPlace68
OKX Card (EEA) has the higher Overall Score by 17 points.
- Entry cost & FX
- OKX EEA$0 plan · 0% OKX markup + Mastercard rate FXXPlace$0 plan · 0–1% FX
OKX Card (EEA) has the lower published FX fee (0% OKX markup + Mastercard rate vs 0–1%).
- Purchase rewards
- OKX EEA2% base · up to 10%XPlace0.5% base · up to 2%
OKX Card (EEA) has the higher published base cashback rate (2% vs 0.5%).
- Funds control
- OKX EEAHybrid custodyXPlaceHybrid custody
OKX Card (EEA) and XPlace Card use the same hybrid custody setup.
- Everyday access
- OKX EEAVirtual · Apple Pay, Google PayXPlaceVirtual + Physical · Apple Pay, Google Pay
XPlace 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 ExchangeXPlace2 stablecoins · Stablecoin transfers
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
- 0.5%-2%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
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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)Overall85XPlace CardOverall68
OKX Card (EEA)Overall85XPlace CardOverall68Scores
6 fields- Overall Score
- OKX Card (EEA)85XPlace Card68
- Cashback score
- OKX Card (EEA)82XPlace Card49
- Travel score
- OKX Card (EEA)64XPlace Card65
- Funds control score
- OKX Card (EEA)76XPlace Card67
- Lowest fees score
- OKX Card (EEA)89XPlace Card65
- Transfers score
- OKX Card (EEA)76XPlace Card62
Strengths & trade-offs
2 fields- Strengths
- OKX Card (EEA)Low documented card costs, Current FAQ confirms 2%-10% USDG cashbackXPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published caps
- Trade-offs
- OKX Card (EEA)Virtual-only with no ATM access, 10% is conditional, capped VIP upsideXPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layers
Costs
7 fields- Plan cost
- OKX Card (EEA)$0XPlace Card$0
- FX fee
- OKX Card (EEA)0% OKX markup + Mastercard rateXPlace Card0–1%
- Top-up fee
- OKX Card (EEA)0%XPlace CardProvider fee not published; external network or bridge costs may apply and are not card fees
- Card spending fee
- OKX Card (EEA)0%XPlace Card0%
- ATM fee
- OKX Card (EEA)Not availableXPlace CardNot available
- Virtual card
- OKX Card (EEA)€0XPlace CardNot disclosed
- Physical card
- OKX Card (EEA)Not availableXPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.
Plans
2 fields- Available plans
- OKX Card (EEA)5 plans: Regular, VIP 1, VIP 2, VIP 3 +1XPlace Card4 plans: Basic, Silver, Gold, Platinum
- Top cashback plan
- OKX Card (EEA)VIP 4+: 10%XPlace CardPlatinum: 2%
Everyday use
8 fields- Network
- OKX Card (EEA)MastercardXPlace CardVisa
- Card formats
- OKX Card (EEA)VirtualXPlace CardVirtual, Physical
- ATM withdrawals
- OKX Card (EEA)Not availableXPlace CardNot disclosed
- Mobile wallets
- OKX Card (EEA)Apple Pay, Google PayXPlace CardApple Pay, Google Pay
- Apps
- OKX Card (EEA)iOS, AndroidXPlace 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.XPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controls
- Monthly spending limit
- OKX Card (EEA)No fixed monthly amount is published; balance and risk controls apply.XPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per month
- ATM limit
- OKX Card (EEA)ATM withdrawals are not supported.XPlace CardNot available while only the virtual card is live
Funding & transfers
5 fields- Networks
- OKX Card (EEA)X Layer, Ethereum, TRON, Arbitrum, Base, Avalanche +1XPlace CardSolana
- Crypto deposits
- OKX Card (EEA)Stablecoins: USDC, USDG, USDTXPlace CardStablecoins: USDC
- Fiat deposits
- OKX Card (EEA)Not disclosedXPlace CardNot disclosed
- Transfers
- OKX Card (EEA)Stablecoin transfers; OKX Pay contacts, Transfer to OKX ExchangeXPlace CardStablecoin transfers
- Payout currencies
- OKX Card (EEA)Not disclosedXPlace CardNot disclosed
Rewards
3 fields- Base cashback
- OKX Card (EEA)2%XPlace Card0.5%
- Max cashback
- OKX Card (EEA)10%XPlace Card2%
- Reward currency
- OKX Card (EEA)USDG cashbackXPlace CardUSDC
Earn
5 fields- Advertised APY
- OKX Card (EEA)Not disclosedXPlace CardUp to 6.15% APY
- How it works
- OKX Card (EEA)Not disclosedXPlace CardBorrow against collateral, Optional earn vault
- Separate deposit
- OKX Card (EEA)Not disclosedXPlace CardYes
- Use balance for spending
- OKX Card (EEA)Not disclosedXPlace CardNo
- Lock-up
- OKX Card (EEA)Not disclosedXPlace CardNo
Trust & availability
6 fields- Custody
- OKX Card (EEA)Hybrid custodyXPlace CardHybrid custody
- Control until payment
- OKX Card (EEA)You keep controlXPlace CardProvider controls funds
- Card issuer
- OKX Card (EEA)UAB MonavateXPlace CardThird National
- Card processing
- OKX Card (EEA)Not disclosedXPlace CardSignify Holdings, Inc. (Rain)
- Identity verification
- OKX Card (EEA)Not disclosedXPlace CardSumsub
- Programme operator
- OKX Card (EEA)OKX Europe LimitedXPlace CardNot disclosed
Sources
2 fields- Official sources
- OKX Card (EEA)22XPlace Card27
- Last reviewed
- OKX Card (EEA)Sep 2, 2026XPlace CardSep 20, 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 68 for XPlace Card. OKX Card (EEA) has the lower published FX fee (0% OKX markup + Mastercard rate vs 0–1%). OKX Card (EEA) has the higher published base cashback rate (2% vs 0.5%).
XPlace Card still comes out ahead for Travel, which may matter more than the overall result if that is how you plan to use the card. OKX Card (EEA) and XPlace Card use the same hybrid custody setup.
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 XPlace Card reviews first.
Continue with
OKX Card (EEA)
Continue with
XPlace Card
05 · Common questions
OKX EEA vs XPlace FAQ
Is OKX EEA or XPlace better overall?
OKX Card (EEA) has the higher Overall Score (85 vs 68). 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 XPlace?
OKX Card (EEA) has the lower published FX fee (0% OKX markup + Mastercard rate vs 0–1%). 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 XPlace?
OKX Card (EEA) has the higher published base cashback rate (2% vs 0.5%). 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 XPlace differ on custody?
OKX Card (EEA) and XPlace Card use the same hybrid custody setup.
How current is this OKX EEA vs XPlace comparison?
The latest information check for these two cards was September 20, 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.