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Bitwala Card vs OKX Card (EEA)

Bitwala Card

Crypto native

7.0
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OKX Card (EEA)

Crypto native

7.9
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Verdict

  • OKX Card (EEA) scores higher overall (7.9 vs 7.0 out of 10).
  • OKX Card (EEA) is clearly stronger on: Fees.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bitwala Card is a good fit for

  • Stablecoin holders

OKX Card (EEA) is a good fit for

  • Stablecoin holders
  • Everyday spenders who want cashback
  • Frequent travellers

Stronger on: Fees

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
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Review & sourcesBitwala Card vs ether.fi CashOKX Card (EEA) vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitwala CardOKX Card (EEA)
Fees8899
Cashback & rewards–65
Availability10093
FX & international–100
Product features5856
Custody & security7075
Credit & financing3030
Limits & ATM60–
Transparency100100
Best for Cashbackn/a7.6
Best for Travel6.68.4
Best for DeFi Users6.27.0
Best for Stablecoins6.88.5
Best for High Spendersn/a7.2
Best for Low Fees7.69.2
Best for Beginners7.98.2

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

VisaShow source
MastercardShow source

Custody model

HybridConditions apply: tap or hover for detailsShow source

Self-custodial crypto wallet; euros held in the Bitwala account

CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

Launch date

No data yet
2026-01-28Show source

Card issuer / program manager

No data yet
UAB Monavate (issuer); OKX Europe Limited (program manager)Show source

Fees

Annual fee

No data yet
FreeShow source

Monthly fee

FreeShow source
FreeShow source

Physical card fee

€9.99Conditions apply: tap or hover for detailsShow source

Plus shipping

No data yet

Virtual card fee

€0.99Show source
FreeShow source

FX fee

No data yet
0%Conditions apply: tap or hover for detailsShow source

No added OKX FX fee

Crypto conversion fee

1%Conditions apply: tap or hover for detailsShow source

Plus €0.20 per crypto payment; euro payments free

0.1%Conditions apply: tap or hover for detailsShow source

Market spread converting stablecoins to EUR

ATM fee

€2 + 1%Show source
No data yet

Other fees & markups

Crypto payments €0.20 + 1% per transactionShow source
No data yet

Cashback & rewards

Base cashback

No data yet
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

No data yet
10%Conditions apply: tap or hover for detailsShow source

VIP 4+ on OKX, capped at €1,000/month

Cashback paid in

No data yet
USDGShow source

Cashback type

No data yet
StablecoinShow source

Max cashback per month

No data yet
€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

No data yet
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

No data yet
NoConditions apply: tap or hover for detailsShow source

Cashback level depends on OKX VIP level instead

Reward exclusions

No data yet
USDC payments earn no cashbackShow source

Credit & financing

Credit line

NoShow source
NoShow source

Availability

Available in

EEAShow source
European Union, NorwayShow source

Not available in

No data yet
Iceland, LiechtensteinShow source

Account / spend currencies

No data yet
EURShow source

Features

Apple Pay

NoConditions apply: tap or hover for detailsShow source

Only via Curve

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

YesShow source
No data yet

Spend stablecoins

YesShow source
YesShow source

Spendable assets

BTC · ETH · USDC · EURShow source
USDC · USDGShow source

Security & custody

Regulation / licences

No data yet
OKX licensed under MiCA (card itself not a MiCA-licensed product)Show source

Deposit protection

No data yet
NoShow source

Annual cost at 1,500 EUR/month

Bitwala Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costs−36 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

More Bitwala Card comparisons

More OKX Card (EEA) comparisons