OKX Card (EEA) vs Oppi Wallet Virtual Card
Crypto native
Crypto native
Verdict
- OKX Card (EEA) scores higher overall (7.9 vs 7.1 out of 10).
- OKX Card (EEA) is clearly stronger on: FX & international.
- Oppi Wallet Virtual Card is clearly stronger on: Product features.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
OKX Card (EEA) is a good fit for
- Stablecoin holders
- Everyday spenders who want cashback
- Frequent travellers
Stronger on: FX & international
Oppi Wallet Virtual Card is a good fit for
- People who want to keep control of their keys
Stronger on: Product features
★ 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 | OKX Card (EEA) | Oppi Wallet Virtual Card |
|---|---|---|
| Fees | 99 | 97 |
| Cashback & rewards | 65 | – |
| Availability | 93 | 100 |
| FX & international | 100 | 20 |
| Product features | 56 | 70 |
| Custody & security | 75 | 80 |
| Credit & financing | 30 | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 7.6 | n/a |
| Best for Travel | 8.4 | 5.6 |
| Best for Self-Custody | n/a | 7.2 |
| Best for DeFi Users | 7.0 | 6.9 |
| Best for Stablecoins | 8.5 | n/a |
| Best for High Spenders | 7.2 | n/a |
| Best for Low Fees | 9.2 | 7.1 |
| Best for Beginners | 8.2 | 8.5 |
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 cardConditions apply: tap or hover for detailsShow source
marketed as debit card
Prepaid cardShow source
Network
MastercardShow source
MastercardShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Self-custodyConditions apply: tap or hover for detailsShow source
Self-custody wallet until crypto is loaded onto the card
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
FreeShow source
Monthly fee
FreeShow source
FreeShow source
Physical card fee
$100Show source
Virtual card fee
FreeShow source
$10Conditions apply: tap or hover for detailsShow source
$5 credited back to the card
FX fee
0%Conditions apply: tap or hover for detailsShow source
No added OKX FX fee
2%Conditions apply: tap or hover for detailsShow source
2 to 2.5%
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
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
European Union, NorwayShow source
GlobalConditions apply: tap or hover for detailsShow source
210+ countries, eligibility checked at signup
Not available in
Iceland, LiechtensteinShow source
Account / spend currencies
EURShow source
BTC · ETH · USDT · USDCConditions apply: tap or hover for detailsShow source
Top-up assets
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
YesShow source
Virtual card
YesShow source
YesShow source
Spend stablecoins
YesShow source
Spendable assets
USDC · USDGShow source
BTC · ETH · USDT · USDCConditions apply: tap or hover for detailsShow source
and other supported crypto
Blockchains
Ethereum · BSC · Polygon · TRON · SolanaConditions apply: tap or hover for detailsShow source
From comparison table
Security & custody
Regulation / licences
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
OKX Card (EEA)
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+360 EUR
- Net annual valuenot enough data
Oppi Wallet Virtual Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers