Morse Card vs OKX Card (EEA)
Crypto native
Crypto native
Verdict
- OKX Card (EEA) scores higher overall (7.9 vs 7.2 out of 10).
- Morse Card is clearly stronger on: Product features, Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Morse Card is a good fit for
- People who want to keep control of their keys
- Frequent travellers
Stronger on: Product features, Custody & security
OKX Card (EEA) is a good fit for
- Stablecoin holders
- Everyday spenders who want cashback
- Frequent travellers
★ 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 | Morse Card | OKX Card (EEA) |
|---|---|---|
| Fees | – | 99 |
| Cashback & rewards | – | 65 |
| Availability | 100 | 93 |
| FX & international | 100 | 100 |
| Product features | 70 | 56 |
| Custody & security | 95 | 75 |
| Credit & financing | – | 30 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 7.6 |
| Best for Travel | 7.7 | 8.4 |
| Best for Self-Custody | 8.0 | n/a |
| Best for DeFi Users | 7.1 | 7.0 |
| Best for Stablecoins | n/a | 8.5 |
| Best for High Spenders | n/a | 7.2 |
| Best for Low Fees | n/a | 9.2 |
| Best for Beginners | 7.7 | 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
Prepaid card, Debit cardShow source
Prepaid cardConditions apply: tap or hover for detailsShow source
marketed as debit card
Network
VisaShow source
MastercardShow source
Custody model
Self-custodyShow source
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Launch date
2026-01-28Show source
Card issuer / program manager
Lead Bank; programme manager Bridge Ventures LLCShow source
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
Stated for transfers/exchange at the real exchange rate
0%Conditions apply: tap or hover for detailsShow source
No added OKX FX fee
Crypto conversion fee
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
10%Conditions apply: tap or hover for detailsShow source
VIP 4+ on OKX, capped at €1,000/month
Cashback paid in
USDGShow source
Cashback type
StablecoinShow source
Interest on balance
3%Conditions apply: tap or hover for detailsShow source
Earn Wallet; shown for US and Mexico
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
Subscription cashback: 50% on Claude, ChatGPT, Netflix up to €10/month for select EEA users, separate from regular cashback, monthly campaign budget €50,000 · Card payments must be settled in USDGConditions apply: tap or hover for detailsShow source
promotional offer from 19 Aug 2026, select users only
Staking / holding required for top rewards
NoConditions apply: tap or hover for detailsShow source
Cashback level depends on OKX VIP level instead
Reward exclusions
Cash withdrawals and ATM usage · Refunds, chargebacks, reversed or disputed transactions · P2P transfers / internal movements · Fees, interest, penalties, taxes · Excluded MCCsShow source
Credit & financing
Credit line
NoShow source
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
150+ countries
European Union, NorwayShow source
Not available in
Iceland, LiechtensteinShow source
Account / spend currencies
USD · EUR · MXN · BRLConditions apply: tap or hover for detailsShow source
Account details for receiving
EURShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Account details for receiving payments
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
Spendable assets
BTC · ETH · USDC · USDTConditions apply: tap or hover for detailsShow source
Crypto wallet deposits; spending from Morse balance
USDC · USDGShow source
Security & custody
Regulation / licences
US Money Services Business · MiCA CASP authorised by AFM Netherlands (41000005) · NMLS ID 2639252Show source
UAB Monavate: EMI authorised by Bank of Lithuania (LB002139) · OKX Europe Limited: CASP licensed by MFSAShow source
Deposit protection
NoShow source
Annual cost at 1,500 EUR/month
Morse Card
- Annual & monthly feesunknown
- FX costs+0 EUR
- 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