Bit2Me Card vs OKX Card (EEA)
Crypto native
Crypto native
Verdict
- OKX Card (EEA) scores higher overall (7.9 vs 5.6 out of 10).
- Bit2Me Card is clearly stronger on: Product features.
- OKX Card (EEA) is clearly stronger on: Fees, Cashback & rewards, FX & international, Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bit2Me Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Product features
OKX Card (EEA) is a good fit for
- Stablecoin holders
- Everyday spenders who want cashback
- Frequent travellers
Stronger on: Fees, Cashback & rewards, FX & international, Custody & security
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Bit2Me Card | OKX Card (EEA) |
|---|---|---|
| Fees | 89 | 99 |
| Cashback & rewards | 28 | 65 |
| Availability | – | 93 |
| FX & international | 20 | 100 |
| Product features | 70 | 56 |
| Custody & security | 60 | 75 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 81 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 4.9 | 7.6 |
| Best for Travel | 5.2 | 8.4 |
| Best for DeFi Users | 5.4 | 7.0 |
| Best for Stablecoins | n/a | 8.5 |
| Best for High Spenders | 4.7 | 7.2 |
| Best for Low Fees | 7.2 | 9.2 |
| Best for Beginners | 7.2 | 8.2 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Debit cardShow source
Stablecoin cardShow source
Network
MastercardShow source
MastercardShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Card spends a linked wallet on the Bit2Me exchange
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Launch date
2026-01-28Show source
Card issuer / program manager
PECUNIA CARDS EDE, S.L.U. (Pecunpay), e-money institution supervised by the Bank of SpainShow source
UAB Monavate (issuer); OKX Europe Limited (program manager)Show source
Tiers / plans
Space Center levels 0–7Show source
Fees
Annual fee
FreeShow source
Monthly fee
FreeShow source
FreeShow source
Physical card fee
€20Conditions apply: tap or hover for detailsShow source
Levels 0–2; €10 at level 3, €5 at level 4, free from level 5; plus €5 shipping outside Spain
Virtual card fee
FreeShow source
FreeShow source
FX fee
2%Conditions apply: tap or hover for detailsShow source
Worldwide currencies; 1.75% for non-euro SEPA currencies, 0% in euro
0%Conditions apply: tap or hover for detailsShow source
No added OKX FX fee
Crypto conversion fee
0.95%Conditions apply: tap or hover for detailsShow source
Paying from a linked crypto wallet; 0% from the euro wallet
0.1%Conditions apply: tap or hover for detailsShow source
Market spread converting stablecoins to EUR
ATM fee
€0.55 + 1% (min. €0.75)Conditions apply: tap or hover for detailsShow source
Outside the eurozone; domestic €0 (up to €300 free), other eurozone countries €2.50; physical card only
Free ATM allowance
€300/monthShow source
Cashback & rewards
Base cashback
2%Conditions apply: tap or hover for detailsShow source
Non-VIP, USDG-funded purchases, capped at €10/month; promotional cashback during the initial launch period
Max cashback
7%Conditions apply: tap or hover for detailsShow source
Highest Space Center level; up to 39% combined with Bit2Me Earn (+7%) and Bit2Me Life merchants (+25%)
10%Conditions apply: tap or hover for detailsShow source
VIP 4+ on OKX, capped at €1,000/month
Cashback paid in
B2MShow source
USDGShow source
Cashback type
Platform tokenShow source
StablecoinShow source
Max cashback per month
€300/monthConditions apply: tap or hover for detailsShow source
Level 7; €7.50 at level 1, none at level 0
€1,000/monthConditions apply: tap or hover for detailsShow source
Highest cap (VIP 3 and above); regular users EUR 10, VIP1 EUR 300, VIP2 EUR 450
Cashback conditions
Cashback level depends on the Bit2Me Space Center level · Monthly cashback cap from €7.50 (level 1) to €300 (level 7); no cashback cap listed at level 0 · Minimum purchase €0.30Show source
Only purchases where USDG is the active payment currency · Rate and monthly cap depend on OKX VIP levelShow source
Staking / holding required for top rewards
NoConditions apply: tap or hover for detailsShow source
Cashback level depends on OKX VIP level instead
Reward exclusions
USDC payments earn no cashbackShow source
Credit & financing
Credit line
NoShow source
NoShow source
Availability
Available in
European Union, NorwayShow source
Not available in
Iceland, LiechtensteinShow source
Account / spend currencies
EURShow source
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
NoConditions apply: tap or hover for detailsShow source
Currently virtual-only
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Physical card only
Spend stablecoins
YesShow source
Spendable assets
USDC · USDGShow source
Limits
ATM limit
€300Conditions apply: tap or hover for detailsShow source
Per day; €3,000 a month
Spending limit
€2,500Conditions apply: tap or hover for detailsShow source
Per transaction and per day; €20,000 a month
Security & custody
Regulation / licences
OKX licensed under MiCA (card itself not a MiCA-licensed product)Show source
Deposit protection
NoShow source
Annual cost at 1,500 EUR/month
Bit2Me Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashbackunknown
- Net annual valuenot enough data
OKX Card (EEA)
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+360 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers