Bitpanda Card vs OKX Card (EEA)
Crypto native
Crypto native
Verdict
- OKX Card (EEA) scores higher overall (7.7 vs 6.3 out of 10).
- OKX Card (EEA) is clearly stronger on: Cashback & rewards, Availability.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bitpanda Card is a good fit for
- Frequent travellers
OKX Card (EEA) is a good fit for
- Stablecoin holders
- Everyday spenders who want cashback
- Frequent travellers
Stronger on: Cashback & rewards, Availability
Score by criterion
| Criterion | Bitpanda Card | OKX Card (EEA) |
|---|---|---|
| Fees | 100 | 99 |
| Cashback & rewards | 21 | 65 |
| Availability | 70 | 93 |
| FX & international | 100 | 100 |
| Product features | – | 67 |
| Custody & security | – | – |
| Credit & financing | 30 | 30 |
| Limits & ATM | 60 | – |
| Transparency | 86 | 86 |
| Best for Cashback | 5.0 | 7.4 |
| Best for Travel | 7.7 | 8.4 |
| Best for DeFi Users | 5.3 | 6.3 |
| Best for Stablecoins | n/a | 8.0 |
| Best for High Spenders | 5.4 | 7.1 |
| Best for Low Fees | 9.2 | 9.0 |
| Best for Beginners | 6.7 | 7.9 |
Product
Product status
ActiveShow source
Product status: Active
Source: The Bitpanda Visa Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ActiveShow source
Product status: Active
Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
Debit cardShow source
Card type: Debit card
Source: The Bitpanda Visa Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Stablecoin cardShow source
Card type: Stablecoin card
Source: What is the OKX Card? Crypto card explained for European users (2026)
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Network
VisaShow source
Network: Visa
Source: The Bitpanda Visa Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
MastercardShow source
Network: Mastercard
Source: What is the OKX Card? Crypto card explained for European users (2026)
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card issuer / program manager
TPML (Visa member)Show source
Card issuer / program manager: TPML (Visa member)
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Fees
Annual fee
FreeShow source
Annual fee: Free
Source states (paraphrased): No card fees, monthly account fees or transaction fees for payments in EUR.
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
FreeShow source
Annual fee: Free
Source states (paraphrased): No issuance, monthly, annual or inactivity fees.
Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Monthly fee
FreeShow source
Monthly fee: Free
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
FreeShow source
Monthly fee: Free
Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Virtual card fee
FreeShow source
Virtual card fee: Free
Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Replacement fee
€5.90Show source
Replacement fee: €5.90
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
FX fee
0%*Show source
FX fee: 0%
No Bitpanda fee; Visa's own exchange-rate mark-up applies
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
No Bitpanda fee; Visa's own exchange-rate mark-up applies
0%*Show source
FX fee: 0%
No added OKX FX fee
Source: What is the OKX Card? Crypto card explained for European users (2026)
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
No added OKX FX fee
Crypto conversion fee
0.1%*Show source
Crypto conversion fee: 0.1%
Market spread converting stablecoins to EUR
Source states (paraphrased): Market spread on conversion: 0.1% per transaction.
Source: What is the OKX Card? Crypto card explained for European users (2026)
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Market spread converting stablecoins to EUR
ATM fee
2% (min. €2)*Show source
ATM fee: 2% (min. €2)
Plus local ATM operator fees
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Plus local ATM operator fees
Other fees & markups
Every card payment is an asset-to-fiat trade charged at the usual Bitpanda trading fee · Extra physical card €10Show source
Other fees & markups: Every card payment is an asset-to-fiat trade charged at the usual Bitpanda trading fee · Extra physical card €10
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback & rewards
Base cashback
1%*Show source
Base cashback: 1%
On payments funded with crypto
Source states (paraphrased): Cashback fixed at 1% of all qualifying transactions, no longer determined by BEST VIP level.
Source: Bitpanda Card Product Terms v2.0.0 (1 April 2025)
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
On payments funded with crypto
2%*Show source
Base cashback: 2%
Non-VIP, USDG-funded purchases, capped at €10/month
Source states (paraphrased): 2% for non-VIP users with a €10 monthly cap.
Source: What is the OKX Card? Crypto card explained for European users (2026)
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Non-VIP, USDG-funded purchases, capped at €10/month
Max cashback
1%Show source
Max cashback: 1%
Source: Bitpanda Card Product Terms v2.0.0 (1 April 2025)
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
10%*Show source
Max cashback: 10%
VIP 4+ on OKX, capped at €1,000/month
Source states (paraphrased): Up to 10% at VIP 4+ with a €1,000 cap.
Source: What is the OKX Card? Crypto card explained for European users (2026)
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
VIP 4+ on OKX, capped at €1,000/month
Cashback paid in
USDGShow source
Cashback paid in: USDG
Source: What is the OKX Card? Crypto card explained for European users (2026)
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback type
Crypto*Show source
Cashback type: Crypto
Paid in the crypto used for the purchase
Source: What is the Bitpanda Card and what are its benefits?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Paid in the crypto used for the purchase
StablecoinShow source
Cashback type: Stablecoin
Source: What is the OKX Card? Crypto card explained for European users (2026)
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Max cashback per month
€10/month*Show source
Max cashback per month: €10/month
Non-VIP; temporarily raised to €20 during a current offer
Source: What is the OKX Card? Crypto card explained for European users (2026)
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Non-VIP; temporarily raised to €20 during a current offer
Staking / holding required for top rewards
NoShow source
Staking / holding required for top rewards: No
Source states (paraphrased): Cashback no longer determined by the customer's BEST VIP level.
Source: Bitpanda Card Product Terms v2.0.0 (1 April 2025)
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Reward exclusions
Payments funded with euro (fiat) · Precious metals · StablecoinsShow source
Reward exclusions: Payments funded with euro (fiat) · Precious metals · Stablecoins
Source: What is the Bitpanda Card and what are its benefits?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Purchases settled in USDC earn no cashbackShow source
Reward exclusions: Purchases settled in USDC earn no cashback
Source states (paraphrased): USDC payments do not earn cashback.
Source: What is the OKX Card? Crypto card explained for European users (2026)
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Credit & financing
Credit line
NoShow source
Credit line: No
Source: The Bitpanda Visa Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
NoShow source
Credit line: No
Source: What is the OKX Card? Crypto card explained for European users (2026)
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Availability
Available in
Euro area*Show source
Available in: Euro area
Residents of euro-area countries with a verified account; not for users verified via Bankident
Source states (paraphrased): The card requires a verified account and residence in a country that uses the euro.
Source: What is the Bitpanda Card and what are its benefits?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Residents of euro-area countries with a verified account; not for users verified via Bankident
European Union, NorwayShow source
Available in: European Union, Norway
Source states (paraphrased): EU plus Norway; Iceland and Liechtenstein excluded.
Source: What is the OKX Card? Crypto card explained for European users (2026)
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Not available in
Iceland, LiechtensteinShow source
Not available in: Iceland, Liechtenstein
Source: What is the OKX Card? Crypto card explained for European users (2026)
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Features
Physical card
No*Show source
Physical card: No
Currently virtual-only
Source states (paraphrased): The card is currently issued as a virtual card only.
Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Currently virtual-only
Virtual card
YesShow source
Virtual card: Yes
Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source: What is the OKX Card? Crypto card explained for European users (2026)
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Limits
ATM limit
€500*Show source
ATM limit: €500
Per day
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Per day
Annual cost at 1,500 EUR/month
Bitpanda Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−24 EUR
- Cashback+180 EUR
- Net annual value156 EUR
OKX Card (EEA)
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+120 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers