Kolo Card vs OKX Card (EEA)
Crypto native
Crypto native
Verdict
- OKX Card (EEA) scores higher overall (7.9 vs 5.9 out of 10).
- Kolo Card is clearly stronger on: Product features.
- OKX Card (EEA) is clearly stronger on: Cashback & rewards.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Kolo Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Product features
OKX Card (EEA) is a good fit for
- Stablecoin holders
- Everyday spenders who want cashback
- Frequent travellers
Stronger on: Cashback & rewards
★ 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 | Kolo Card | OKX Card (EEA) |
|---|---|---|
| Fees | 100 | 99 |
| Cashback & rewards | 8 | 65 |
| Availability | – | 93 |
| FX & international | – | 100 |
| Product features | 70 | 56 |
| Custody & security | 80 | 75 |
| Credit & financing | – | 30 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 4.2 | 7.6 |
| Best for Travel | n/a | 8.4 |
| Best for Self-Custody | 6.9 | n/a |
| Best for DeFi Users | 6.3 | 7.0 |
| Best for Stablecoins | 6.6 | 8.5 |
| Best for High Spenders | 4.4 | 7.2 |
| Best for Low Fees | 8.0 | 9.2 |
| Best for Beginners | 7.4 | 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
VisaShow source
MastercardShow source
Custody model
Self-custodyConditions apply: tap or hover for detailsShow source
Since 1 July 2026: Kolo holds one key share and never assembles the full private key
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Launch date
2026-01-28Show source
Card issuer / program manager
UAB Monavate (issuer); OKX Europe Limited (program manager)Show source
Fees
Annual fee
FreeShow source
Monthly fee
FreeShow source
Virtual card fee
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
No added OKX FX fee
Crypto conversion fee
0%Conditions apply: tap or hover for detailsShow source
0% markup on USDT, USDC and EURC
0.1%Conditions apply: tap or hover for detailsShow source
Market spread converting stablecoins to EUR
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
2%Conditions apply: tap or hover for detailsShow source
Promotional programme that Kolo may change or end at any time
10%Conditions apply: tap or hover for detailsShow source
VIP 4+ on OKX, capped at €1,000/month
Cashback paid in
BTCShow source
USDGShow source
Cashback type
CryptoShow source
StablecoinShow source
Max cashback per month
€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
Credited only after the purchase has cleared ('Accrued' then 'Paid') · Kolo may modify, suspend or end the Cashback Program at any timeShow 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
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
NoConditions apply: tap or hover for detailsShow source
Currently virtual-only
Virtual card
YesShow source
Spend stablecoins
YesShow source
YesShow source
Spendable assets
BTC · ETH · LTC · USDT · USDC · EURCShow source
USDC · USDGShow source
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
Kolo Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- 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