N26 vs OKX Card (EEA)
E-money / FinTech
Crypto native
Verdict
- OKX Card (EEA) scores higher overall (7.8 vs 7.5 out of 10).
- N26 is clearly stronger on: Product features.
- OKX Card (EEA) is clearly stronger on: Availability.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
N26 is a good fit for
- Frequent travellers
Stronger on: Product features
OKX Card (EEA) is a good fit for
- Stablecoin holders
- Everyday spenders who want cashback
- Frequent travellers
Stronger on: Availability
Score by criterion
| Criterion | N26 | OKX Card (EEA) |
|---|---|---|
| Fees | 100 | 99 |
| Cashback & rewards | – | 65 |
| Availability | 70 | 93 |
| FX & international | 100 | 100 |
| Product features | 100 | 80 |
| Custody & security | – | – |
| Credit & financing | – | 30 |
| Limits & ATM | 66 | – |
| Transparency | 79 | 86 |
| Best for Cashback | n/a | 7.5 |
| Best for Travel | 8.6 | 8.5 |
| Best for DeFi Users | n/a | 6.5 |
| Best for Stablecoins | n/a | 8.2 |
| Best for High Spenders | 7.1 | 7.2 |
| Best for Low Fees | 9.2 | 9.0 |
| Best for Beginners | 8.1 | 8.2 |
| Best E-Money Card | 9.1 | n/a |
Product
Product status
ActiveShow source
Product status: Active
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
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
Debit cardShow source
Card type: Debit card
Source states (paraphrased): Free virtual debit card
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Network
MastercardShow source
Network: Mastercard
Source states (paraphrased): qualifying transactions made with your N26 Mastercard
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
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%
Launch date
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%
Tiers / plans
Standard (free) · Smart €4.90/mo · Go €9.90/mo · Metal €16.90/mo*Show source
Tiers / plans: Standard (free) · Smart €4.90/mo · Go €9.90/mo · Metal €16.90/mo
Belgium/Spain pricing; EU page lists Smart at €9.90
Source: Bank for free with an N26 account (Belgium)
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
Belgium/Spain pricing; EU page lists Smart at €9.90
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Monthly fee
Free*Show source
Monthly fee: Free
Standard account
Source: Bank for free with an N26 account (Belgium)
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Standard account
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
€10*Show source
Physical card fee: €10
Standard plan; included in Smart, Go and Metal
Source states (paraphrased): Physical card €10
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Standard plan; included in Smart, Go and Metal
Virtual card fee
Free*Show source
Virtual card fee: Free
First virtual card free on Standard
Source states (paraphrased): Free virtual debit card
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
First virtual card free on Standard
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
0%*Show source
FX fee: 0%
Page lists worldwide card payments as free on all plans; exchange rate not stated on this page
Source states (paraphrased): Worldwide card payments Free
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Page lists worldwide card payments as free on all plans; exchange rate not stated on this page
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
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
ATM fee
1.7%*Show source
ATM fee: 1.7%
Withdrawals outside the eurozone on Standard and Smart; free on Go and Metal. Euro withdrawals: 2 free per month on Standard (3 Smart, 5 Go, 8 Metal); fee beyond the quota not stated on this page
Source states (paraphrased): ATM withdrawals outside the eurozone 1.7% fee
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Withdrawals outside the eurozone on Standard and Smart; free on Go and Metal. Euro withdrawals: 2 free per month on Standard (3 Smart, 5 Go, 8 Metal); fee beyond the quota not stated on this page
Other fees & markups
1.7% fee on ATM withdrawals outside the eurozone with Standard and Smart (free with Go and Metal)Show source
Other fees & markups: 1.7% fee on ATM withdrawals outside the eurozone with Standard and Smart (free with Go and Metal)
Source states (paraphrased): ATM withdrawals outside the eurozone 1.7% fee
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
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)
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
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
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: 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
€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
Only purchases with USDG as the active payment currency · Rate and monthly cap depend on OKX VIP levelShow source
Cashback conditions: Only purchases with USDG as the active payment currency · Rate and monthly cap depend on OKX VIP level
Source states (paraphrased): Cashback applies only to purchases where USDG is the active payment currency.
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 90%
Staking / holding required for top rewards
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
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Availability
Available in
Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden, Switzerland*Show source
Available in: Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden, Switzerland
21 countries listed: Austria, Belgium, Denmark, Estonia, Finland, France (not DOM/TOM), Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden, Switzerland; residency and requirements apply
Source states (paraphrased): We offer our accounts in the following countries: Austria, Belgium, Denmark, Estonia, Finland, France (not available for residents in the DOM/TOM)
Source: Availability across Countries
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
21 countries listed: Austria, Belgium, Denmark, Estonia, Finland, France (not DOM/TOM), Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden, Switzerland; residency and requirements apply
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Own IBAN / bank details
YesShow source
Own IBAN / bank details: Yes
Source states (paraphrased): Give your N26 account IBAN to your employer
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Features
Apple Pay
YesShow source
Apple Pay: Yes
Source states (paraphrased): Add it to Google Pay, Samsung Pay or Apple Pay
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
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): Add it to Google Pay, Samsung Pay or Apple Pay
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
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
YesShow source
Physical card: Yes
Source states (paraphrased): If you ordered a physical debit card, this will arrive via post.
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
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 states (paraphrased): Free virtual debit card
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
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%
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): 2 free ATM withdrawals in euros
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Spendable assets
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%
Security & custody
Regulation / licences
German full banking licence (BaFin)Show source
Regulation / licences: German full banking licence (BaFin)
Source states (paraphrased): N26 has been granted a full German banking license from BaFin.
Source: Bank for free with an N26 account (Belgium)
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
MiCAR (OKX Europe Ltd. is the licensed entity for EEA users)Show source
Regulation / licences: MiCAR (OKX Europe Ltd. is the licensed entity for EEA users)
Source states (paraphrased): OKX Europe Ltd. is the licensed entity for EEA users under MiCAR.
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 75%
Deposit protection
Yes*Show source
Deposit protection: Yes
Up to €100,000
Source states (paraphrased): protected up to €100,000 by the German Deposit Guarantee Scheme
Source: Bank for free with an N26 account (Belgium)
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Up to €100,000
Annual cost at 1,500 EUR/month
N26
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−20 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