bunq vs OKX Card (EEA)
E-money / FinTech
Crypto native
Verdict
- OKX Card (EEA) scores higher overall (7.7 vs 6.1 out of 10).
- OKX Card (EEA) is clearly stronger on: Fees, Availability, FX & international.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
bunq 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: Fees, Availability, FX & international
Score by criterion
| Criterion | bunq | OKX Card (EEA) |
|---|---|---|
| Fees | 72 | 99 |
| Cashback & rewards | – | 65 |
| Availability | 53 | 93 |
| FX & international | 80 | 100 |
| Product features | – | 67 |
| Custody & security | – | – |
| Credit & financing | – | 30 |
| Limits & ATM | 90 | – |
| Transparency | 79 | 86 |
| Best for Cashback | n/a | 7.4 |
| Best for Travel | 7.2 | 8.4 |
| Best for DeFi Users | n/a | 6.3 |
| Best for Stablecoins | n/a | 8.0 |
| Best for High Spenders | n/a | 7.1 |
| Best for Low Fees | 7.8 | 9.0 |
| Best for Beginners | 6.1 | 7.9 |
| Best E-Money Card | 7.2 | n/a |
Product
Product status
ActiveShow source
Product status: Active
Source: Compare bunq Personal Plans
Official pricing / fee schedule (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
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
MastercardShow source
Network: Mastercard
Source states (paraphrased): ZeroFX uses real Mastercard rates.
Source: ZeroFX with bunq
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%
Tiers / plans
Free €0 · Core €3.99/mo · Pro €9.99/mo · Elite €18.99/moShow source
Tiers / plans: Free €0 · Core €3.99/mo · Pro €9.99/mo · Elite €18.99/mo
Source: Compare bunq Personal Plans
Official pricing / fee schedule (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 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
Free*Show source
Monthly fee: Free
Free plan; Core €3.99, Pro €9.99, Elite €18.99 per month
Source: Compare bunq Personal Plans
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Free plan; Core €3.99, Pro €9.99, Elite €18.99 per month
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%
Physical card fee
€99*Show source
Physical card fee: €99
Metal card on Pro and Elite; extra physical cards €9.99 plus a monthly fee
Source: Discover bunq credit, digital and metal cards
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Metal card on Pro and Elite; extra physical cards €9.99 plus a monthly fee
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%
FX fee
0.5%*Show source
FX fee: 0.5%
Core, Pro, Elite (ZeroFX: Mastercard rate + markup); Free plan only €1,000/year at the standard rate
Source: ZeroFX with bunq
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Core, Pro, Elite (ZeroFX: Mastercard rate + markup); Free plan only €1,000/year at the standard rate
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
€0.99*Show source
ATM fee: €0.99
Core: €0.99 for the first five per month, €2.99 after; Pro/Elite: six free per month
Source: Need cash?
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Core: €0.99 for the first five per month, €2.99 after; Pro/Elite: six free per month
Cashback & rewards
Base cashback
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
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
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
Reward exclusions
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: 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
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Spain, Netherlands*Show source
Available in: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Spain, Netherlands
Most EEA countries supported; list continues on the source page
Source: Who can open a bunq Personal account?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 55%
Most EEA countries supported; list continues on the source page
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%
Annual cost at 1,500 EUR/month
bunq
- Annual & monthly fees+0 EUR
- FX costs−18 EUR
- Crypto conversion–
- ATM costs−12 EUR
- Cashbackunknown
- Net annual valuenot enough data
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