OKX Card (EEA)

OKX · Mastercard · debit · Self-custody

28 countriesVerified 6 Sep 2026

At $1,000/month spend with no stake, OKX Card (EEA) nets +$237 a year. According to Cardefi data, 10 of 12 key figures are verified from the issuer's pages, latest 6 Sep 2026.

Open at OKXdirect — pays us nothing

Cashback at your stake: 2.0%
Min. stake for rewards: None
Annual fee: $0
FX fee: 0.0%
Net value / yr: +$237
Break-even: $0

Recalculate for a stake ofSpendchanges every number on this page

Cashback and net value by stake

Stake	Tier	Cashback	Net value / yr
$0 you Non-VIP	Non-VIP	2.0%	+$237

How this card scores

Same arithmetic as every card in the catalogue, with this card's numbers in:

Cashback at your stake	2.0% × $12,000	+$240
Yearly fees	annual $0 + 12 × $0	−$0
FX on 25.0% of spend	0.0% + 0.1% × $3,000	−$3
Locked stake, 5.0% opportunity cost	$0 × 5.0%	−$0
Net value per year		+$237

Fees in full

Every figure below carries the issuer's own words. Tap a source count to read them. A dash means we looked and the issuer does not say. How these fees compare across every card. What this issuer charges to buy crypto with a card.

Annual fee	€0 / year 2 sources “Zero Fees:”[5] · landing · captured 6 Sep 2026 “No friction. No fees. All freedom.”[5] · landing · captured 6 Sep 2026
Monthly fee	€0 / month 1 source “No friction. No fees. All freedom.”[5] · landing · captured 6 Sep 2026
Card issuance	€0 1 source “No friction. No fees. All freedom.”[5] · landing · captured 6 Sep 2026
Foreign transaction (FX)	0.0%Mastercard rate without markup; EUR and non-EUR alike 2 sources “OKX does not charge transaction fees or foreign exchange (FX) fees for card spending. This applies to both EUR and non-EUR transactions.”[2] · help_center · captured 6 Sep 2026 “Fee: 0% fee applies to the card-level conversion.”[3] · legal · captured 6 Sep 2026
Crypto conversion / spread	0.1%Market spread on stablecoin-to-EUR conversion; terms cap the liquidation fee at 0.10% 2 sources “We charge no transaction fees or FX fees. Worldwide. A low 0.1% market spread applies when converting to fiat.”[5] · landing · captured 6 Sep 2026 “a crypto liquidation fee of not more than 0.10% may apply.”[3] · legal · captured 6 Sep 2026
ATM withdrawal	— not disclosed

Reward tiers, as the issuer states them

Tier	Requirement · rate · cap
Non-VIP	2.0% · None · Cap: €50 / month of rewards · Paid in USDG 3 sources “Cashback is earned only on USDG purchases made with your OKX Card and will be credited in USDG to your Pay account.”[6] · help_center · captured 6 Sep 2026 “users can spend up to 5,000 EUR in eligible purchases to earn the full 100 EUR”[6] · help_center · captured 6 Sep 2026 “increase their monthly cashback cap from 50 EUR to 100 EUR”[6] · help_center · captured 6 Sep 2026
VIP 1	4.0% · Loyalty points · Cap: €300 / month of rewards · Paid in USDG 1 source “Cashback Cap per calendar month”[6] · help_center · captured 6 Sep 2026
VIP 2	4.5% · Loyalty points · Cap: €450 / month of rewards · Paid in USDG 1 source “Cashback Cap per calendar month”[6] · help_center · captured 6 Sep 2026
VIP 3	5.0% · Loyalty points · Cap: €1,000 / month of rewards · Paid in USDG 1 source “Cashback Cap per calendar month”[6] · help_center · captured 6 Sep 2026
VIP 4+	10.0% · Loyalty points · Cap: €1,000 / month of rewards · Paid in USDG 1 source “Cashback Cap per calendar month”[6] · help_center · captured 6 Sep 2026

No rewards on: Purchases funded with any asset other than USDG, Fees, interest, penalties, taxes.

Limits

Spend per month

— not disclosed

What we could not find

These figures matter for the score, and the issuer's public pages do not state them. Where we looked is listed under Sources.

ATM withdrawal. Not disclosed.
Spend per month. Not disclosed.

Sources

6 pages captured and stored with a checksum. Quotes above are matched against these snapshots by script.

www.okx.com/en-us/help/how-do-i-buy-with-debit-credit-cards · help_center · 6 Sep 2026
www.okx.com/en-eu/learn/okx-card-eea-fees-rewards-eligibility · help_center · 6 Sep 2026
www.okx.com/en-eu/help/eea-regional-addendum-to-pay-wallet-terms · legal · 6 Sep 2026
www.lb.lt/en/sfi-financial-market-participants/uab-monavate · legal · 6 Sep 2026
my.okx.com/en-eu/pay · landing · 6 Sep 2026
www.okx.com/en-eu/help/okx-card-eea-ongoing-cashback-faq · help_center · 6 Sep 2026

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Access & funding

Regions: 28 countries
KYC: full
Top-up: Stablecoins in OKX Pay wallet
Fiat: EUR
Assets: USDG, USDC
Form: virtual + physical
Wallets: Apple Pay, Google Pay

Risks to know

Self-custody. You hold the keys; losing them loses the balance.

Who is behind the card

Brand / programme: OKX Europe Limited
Infrastructure: — not disclosed
Issuer of record: UAB Monavate (LT)
Licence: Bank of Lithuania · LB002139
Network: Mastercard
Custody: Self-custody · self custody

3 sources

“Card Issuer: The OKX Debit Card ("Card") is issued by UAB Monavate ("Monavate"), a company incorporated in Lithuania (Company Code: 305628001) and authorised by the Bank of Lithuania as an Electronic Money Institution (License No. LB002139).”[3] · legal · captured 6 Sep 2026

“The Card program, the Pay Wallet infrastructure and conversion services are provided by OKX Europe Limited, a limited liability company incorporated and registered in Malta and licensed as a Crypto-Asset Service Provider by the Malta Financial Services Authority.”[3] · legal · captured 6 Sep 2026

“Electronic money institution licence”[4] · legal · captured 6 Sep 2026

Status

Now: Live

“Pay with stablecoins everywhere there’s Mastercard. No fees, up to 10% cashback.”my.okx.com · captured 6 Sep 2026

Where you can get it

EEA: 28 countries: AT, BE, BG, HR, CY, CZ, DK, EE, FI, FR, DE, GR, HU, IE, IT, LV, LT, LU, MT, NL, PL, PT, RO, SK, SI, ES, SE, NO
blocked: IS, LI

1 source

“The OKX Card EEA is available to users across the EU and Norway, excluding Iceland and Liechtenstein.”okx.com · help_center · captured 6 Sep 2026

Availability and terms by country ↓

Trust

Verified: 6 Sep 2026
Coverage: 10 of 12 key figures verified, 2 not disclosed
Confidence: A official source plus an independent one
Disclosure: help center
Source: my.okx.com
Link: direct — pays us nothing

Report a wrong figure · Formula v1.2

Availability and terms by country

One row per country with a Cardefi hub, read from the issuer's own country lists. 28 countries are listed as available in total.

Country	Status	Issuer / licence
Germany	Availablechecked 6 Sep 2026	UAB Monavate
Spain	Availablechecked 6 Sep 2026	UAB Monavate
Ireland	Availablechecked 6 Sep 2026	UAB Monavate
Netherlands	Availablechecked 6 Sep 2026	UAB Monavate
Portugal	Availablechecked 6 Sep 2026	UAB Monavate
Poland	Availablechecked 6 Sep 2026	UAB Monavate
Greece	Availablechecked 6 Sep 2026	UAB Monavate
Sweden	Availablechecked 6 Sep 2026	UAB Monavate
Czechia	Availablechecked 6 Sep 2026	UAB Monavate
Austria	Availablechecked 6 Sep 2026	UAB Monavate
Belgium	Availablechecked 6 Sep 2026	UAB Monavate
Cyprus	Availablechecked 6 Sep 2026	UAB Monavate
Latvia	Availablechecked 6 Sep 2026	UAB Monavate
Slovakia	Availablechecked 6 Sep 2026	UAB Monavate
Croatia	Availablechecked 6 Sep 2026	UAB Monavate
Bulgaria	Availablechecked 6 Sep 2026	UAB Monavate
Estonia	Availablechecked 6 Sep 2026	UAB Monavate
Liechtenstein	Blockedchecked 6 Sep 2026	UAB Monavate
Norway	Availablechecked 6 Sep 2026	UAB Monavate
Hungary	Availablechecked 6 Sep 2026	UAB Monavate
Iceland	Blockedchecked 6 Sep 2026	UAB Monavate

Questions about this card

Answers are generated from the verified fields on this page. A question is only shown when the figure behind it has a source.

What does OKX Card (EEA) charge on foreign currency?: OKX Card (EEA) adds 0.0% on transactions in a currency other than the account currency.
Does OKX Card (EEA) charge an annual fee?: The annual fee for OKX Card (EEA) is $0.
How much cashback does OKX Card (EEA) pay?: OKX Card (EEA) pays up to 2.0%, which is the highest rate any of its tiers reaches.
Does OKX Card (EEA) work with Apple Pay or Google Pay?: OKX Card (EEA) works with Apple Pay and Google Pay.
Who holds the funds behind OKX Card (EEA)?: You do. OKX Card (EEA) pulls funds from your own wallet when a transaction is authorised, so the balance stays in your custody until you spend it.
Does OKX Card (EEA) require identity verification?: Yes. OKX Card (EEA) requires full identity verification before the card can be used.