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Mine Card vs OKX Card (EEA)

Mine Card

Crypto native

6.1
OKX Card (EEA)

Crypto native

7.8

Verdict

  • OKX Card (EEA) scores higher overall (7.8 vs 6.1 out of 10).
  • Mine 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.

Mine 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

Score by criterion

CriterionMine CardOKX Card (EEA)
Fees9999
Cashback & rewards265
Availability–93
FX & international–100
Product features10080
Custody & security95–
Credit & financing–30
Limits & ATM––
Transparency7986
Best for Cashback3.97.5
Best for Traveln/a8.5
Best for Self-Custody7.7n/a
Best for DeFi Users6.86.5
Best for Stablecoins6.78.2
Best for High Spenders4.27.2
Best for Low Fees7.69.0
Best for Beginners7.88.2

Product

Product status

Active*Show source

Product status: Active

Invite-only: sign-up needs a code from an existing member (or the higher no-code price)

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Invite-only: sign-up needs a code from an existing member (or the higher no-code price)

ActiveShow source

Product status: Active

Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Card type

Stablecoin card*Show source

Card type: Stablecoin card

Spends from your USDC balance, converted at purchase

Source states (paraphrased): Mine converts from your USDC balance at the moment of purchase, at a rate you can see.

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Spends from your USDC balance, converted at purchase

Prepaid card*Show source

Card type: Prepaid card

Marketed as a debit card, runs on a prepaid BIN

Source states (paraphrased): Although marketed as a "Debit Card," the OKX Card operates on a prepaid Bank Identification Number (BIN).

Source: EEA Regional Addendum to the Pay Wallet Terms | OKX Europe

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Marketed as a debit card, runs on a prepaid BIN

Network

MastercardShow source

Network: Mastercard

Source states (paraphrased): It’s a Mastercard issued by Unblock Atomo SARL in the EEA.

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Custody model

Self-custodyShow source

Custody model: Self-custody

Source states (paraphrased): Mine never custodies your funds.

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

No data yet

Launch date

No data yet
2026-01-28Show source

Launch date: 2026-01-28

Source states (paraphrased): OKX launched the OKX Card on 28 January 2026 across the European Economic Area (EEA)

Source: What is the OKX Card? Crypto card explained for European users (2026)

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Card issuer / program manager

Unblock Atomo SARL (EEA e-money institution, Luxembourg); app operated by EMM Ventures AG, SwitzerlandShow source

Card issuer / program manager: Unblock Atomo SARL (EEA e-money institution, Luxembourg); app operated by EMM Ventures AG, Switzerland

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

UAB Monavate (issuer); OKX Europe Limited (program manager)Show source

Card issuer / program manager: UAB Monavate (issuer); OKX Europe Limited (program manager)

Source states (paraphrased): is issued by UAB Monavate ("Monavate"), a company incorporated in Lithuania

Source: EEA Regional Addendum to the Pay Wallet Terms | OKX Europe

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Tiers / plans

Basic · Premium*Show source

Tiers / plans: Basic · Premium

Metal and Private announced, no price yet

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Metal and Private announced, no price yet

No data yet

Fees

Annual fee

No data yet
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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Monthly fee

Free*Show source

Monthly fee: Free

Basic and Premium are one-off fees, no subscription

Source states (paraphrased): one-off, no subscription

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Basic and Premium are one-off fees, no subscription

FreeShow source

Monthly fee: Free

Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Physical card fee

$124*Show source

Physical card fee: $124

Premium tier (physical + virtual card), one-off; $99 with an invite code

Source states (paraphrased): Premium is $124 one-off, 20% off with a code.

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Premium tier (physical + virtual card), one-off; $99 with an invite code

No data yet

Virtual card fee

$5*Show source

Virtual card fee: $5

One-off; free with an invite code

Source states (paraphrased): The Virtual card is free with a valid code, otherwise $5 one-off

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

One-off; free with an invite code

FreeShow source

Virtual card fee: Free

Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

FX fee

No data yet
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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

No added OKX FX fee

Crypto conversion fee

No data yet
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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Market spread converting stablecoins to EUR

Top-up fee

FreeShow source

Top-up fee: Free

Source states (paraphrased): Card top-up fee 0%

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

No data yet

Other fees & markups

CHF/EUR → USDC conversion: first 500 free (lifetime allowance), afterwards priced in the appShow source

Other fees & markups: CHF/EUR → USDC conversion: first 500 free (lifetime allowance), afterwards priced in the app

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

No data yet

Cashback & rewards

Base cashback

0%*Show source

Base cashback: 0%

Basic tier has no cashback; Premium 0.5% in USDC

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Basic tier has no cashback; Premium 0.5% in USDC

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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%

Non-VIP, USDG-funded purchases, capped at €10/month

Max cashback

0.5%*Show source

Max cashback: 0.5%

Premium tier; 'boosted cashback' announced for Metal

Source states (paraphrased): Cashback 0.5% USDC

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Premium tier; 'boosted cashback' announced for Metal

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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

VIP 4+ on OKX, capped at €1,000/month

Cashback paid in

USDCShow source

Cashback paid in: USDC

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Cashback type

StablecoinShow source

Cashback type: Stablecoin

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

StablecoinShow source

Cashback type: Stablecoin

Source: What is the OKX Card? Crypto card explained for European users (2026)

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Max cashback per month

No data yet
€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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

Non-VIP; temporarily raised to €20 during a current offer

Cashback conditions

No data yet
Only purchases with USDG as the active payment currency earn cashback; USDC payments do not · Rate and monthly cap depend on OKX VIP level · Cashback rates are subject to promotional periodsShow source

Cashback conditions: Only purchases with USDG as the active payment currency earn cashback; USDC payments do not · Rate and monthly cap depend on OKX VIP level · Cashback rates are subject to promotional periods

Source states (paraphrased): Cashback applies only to purchases where USDG is the active payment currency. 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)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Staking / holding required for top rewards

No data yet
No*Show source

Staking / holding required for top rewards: No

Cashback level depends on OKX VIP level instead

Source states (paraphrased): Cashback is credited instantly in crypto, with no staking or lock-up requirements.

Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Cashback level depends on OKX VIP level instead

Reward exclusions

No data yet
Cash withdrawals, cash-equivalent transactions and ATM usage · Refunds, chargebacks, reversed or disputed transactions · Peer-to-peer transfers and internal account movements · Fees, interest, penalties, taxes · MCCs excluded by OKX*Show source

Reward exclusions: Cash withdrawals, cash-equivalent transactions and ATM usage · Refunds, chargebacks, reversed or disputed transactions · Peer-to-peer transfers and internal account movements · Fees, interest, penalties, taxes · MCCs excluded by OKX

EEA Card Cashback Programme; rates and caps set by OKX and may vary

Source states (paraphrased): cash withdrawals, cash-equivalent transactions, and ATM usage;

Source: EEA Regional Addendum to the Pay Wallet Terms | OKX Europe

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

EEA Card Cashback Programme; rates and caps set by OKX and may vary

Credit & financing

Credit line

No data yet
NoShow source

Credit line: No

Source: What is the OKX Card? Crypto card explained for European users (2026)

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Availability

Available in

No data yet
EEA*Show source

Available in: EEA

EEA addendum; subject to eligibility

Source states (paraphrased): For residents of the European Economic Area (EEA), the Services are provided by the following regulated entities

Source: EEA Regional Addendum to the Pay Wallet Terms | OKX Europe

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%

EEA addendum; subject to eligibility

Not available in

No data yet
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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Account / spend currencies

CHF · EUR · USDCShow source

Account / spend currencies: CHF · EUR · USDC

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

EURShow source

Account / spend currencies: EUR

Source states (paraphrased): The Card itself is denominated in Euro (EUR)

Source: EEA Regional Addendum to the Pay Wallet Terms | OKX Europe

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Own IBAN / bank details

Yes*Show source

Own IBAN / bank details: Yes

CHF and EUR IBAN in your own name; incoming money settles as USDC

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

CHF and EUR IBAN in your own name; incoming money settles as USDC

No data yet

Features

Apple Pay

YesShow source

Apple Pay: Yes

Source states (paraphrased): Apple Pay and Google Pay from day one

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

YesShow source

Apple Pay: Yes

Source states (paraphrased): The card can also be added to Apple Pay or Google Pay on supported devices.

Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Google Pay

YesShow source

Google Pay: Yes

Source states (paraphrased): Apple Pay and Google Pay from day one

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

YesShow source

Google Pay: Yes

Source states (paraphrased): The card can also be added to Apple Pay or Google Pay on supported devices.

Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Physical card

Yes*Show source

Physical card: Yes

Premium tier

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Premium tier

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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Currently virtual-only

Virtual card

YesShow source

Virtual card: Yes

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

YesShow source

Virtual card: Yes

Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Spend stablecoins

YesShow source

Spend stablecoins: Yes

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

YesShow source

Spend stablecoins: Yes

Source: What is the OKX Card? Crypto card explained for European users (2026)

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Spendable assets

USDCShow source

Spendable assets: USDC

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

USDC · USDGShow source

Spendable assets: USDC · USDG

Source states (paraphrased): Supported spending assets currently include USDC and USDG held in the OKX Pay account.

Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Limits

Spending limit

$100,000*Show source

Spending limit: $100,000

Per month, Basic; Premium $1,000,000

Source states (paraphrased): Monthly limit $100,000

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Per month, Basic; Premium $1,000,000

No data yet

Security & custody

Regulation / licences

Card issued by Unblock Atomo SARL, EEA-licensed e-money institution (Luxembourg) · Operated by EMM Ventures AG, SwitzerlandShow source

Regulation / licences: Card issued by Unblock Atomo SARL, EEA-licensed e-money institution (Luxembourg) · Operated by EMM Ventures AG, Switzerland

Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

UAB Monavate: EMI authorised by the Bank of Lithuania (LB002139) · OKX Europe Limited: CASP licensed by the Malta Financial Services Authority (MiCA)Show source

Regulation / licences: UAB Monavate: EMI authorised by the Bank of Lithuania (LB002139) · OKX Europe Limited: CASP licensed by the Malta Financial Services Authority (MiCA)

Source states (paraphrased): licensed as a Crypto-Asset Service Provider by the Malta Financial Services Authority

Source: EEA Regional Addendum to the Pay Wallet Terms | OKX Europe

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%

Deposit protection

No data yet
NoShow source

Deposit protection: No

Source states (paraphrased): Your balance is not protected by any investor compensation scheme under Directive 97/9/EC or the deposit guarantee schemes

Source: EEA Regional Addendum to the Pay Wallet Terms | OKX Europe

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Annual cost at 1,500 EUR/month

Mine Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+0 EUR
  • 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