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OKX Card (EEA) vs Solayer Pay

OKX Card (EEA)

Crypto native

7.9
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Solayer Pay

Crypto native

6.2
Get the card

Verdict

  • OKX Card (EEA) scores higher overall (7.9 vs 6.2 out of 10).
  • OKX Card (EEA) is clearly stronger on: Fees, Availability, FX & international.
  • Solayer Pay 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: Fees, Availability, FX & international

Solayer Pay is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders

Stronger on: Product features

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourcesOKX Card (EEA) vs ether.fi CashSolayer Pay vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionOKX Card (EEA)Solayer Pay
Fees9983
Cashback & rewards65–
Availability9350
FX & international10040
Product features5670
Custody & security7580
Credit & financing3030
Limits & ATM––
Transparency100100
Best for Cashback7.6n/a
Best for Travel8.45.6
Best for Self-Custodyn/a7.2
Best for DeFi Users7.06.5
Best for Stablecoins8.56.8
Best for High Spenders7.25.5
Best for Low Fees9.27.0
Best for Beginners8.27.5

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

Stablecoin cardShow source
Stablecoin cardShow source

Network

MastercardShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

Self-custodyShow source

Launch date

2026-01-28Show source
No data yet

Card issuer / program manager

UAB Monavate (issuer); OKX Europe Limited (program manager)Show source
No data yet

Fees

Annual fee

FreeShow source
$20/yearConditions apply: tap or hover for detailsShow source

Membership; covers the virtual card for 12 months

Monthly fee

FreeShow source
No data yet

Physical card fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

Card free; shipping $24.99 (US Express) or $59.99 (International Express)

Virtual card fee

FreeShow source
No data yet

FX fee

0%Conditions apply: tap or hover for detailsShow source

No added OKX FX fee

1.5%Conditions apply: tap or hover for detailsShow source

Plus $0.10 per international transaction

Crypto conversion fee

0.1%Conditions apply: tap or hover for detailsShow source

Market spread converting stablecoins to EUR

No data yet

Top-up fee

No data yet
1%Show source

Settlement fee

No data yet
$0.15Conditions apply: tap or hover for detailsShow source

Per USD transaction

Other fees & markups

No data yet
Card deactivated after 6 months of inactivity; a new card must be issuedShow source

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

No data yet

Max cashback

10%Conditions apply: tap or hover for detailsShow source

VIP 4+ on OKX, capped at €1,000/month

No data yet

Cashback paid in

USDGShow source
No data yet

Cashback type

StablecoinShow source
PointsShow source

Interest on balance

No data yet
5%Conditions apply: tap or hover for detailsShow source

4–5% on sUSD, a Treasury-backed stablecoin users can opt into

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

No data yet

Cashback conditions

Only purchases where USDG is the active payment currency · Rate and monthly cap depend on OKX VIP levelShow source
Every transaction earns Solayer Card Points (Season 2), which unlock future $LAYER token rewards, partner airdrops and exclusive perks, and access to beta tests, merch and VIP events · Referrers earn 10% of their referrals' points, indefinitelyConditions apply: tap or hover for detailsShow source

Season 2 of the Points Program; partner campaigns (Sonic, OpenEden, Solana ID and more) offer extra perks and rewards

Staking / holding required for top rewards

NoConditions apply: tap or hover for detailsShow source

Cashback level depends on OKX VIP level instead

No data yet

Reward exclusions

USDC payments earn no cashbackShow source
No data yet

Credit & financing

Credit line

NoShow source
NoShow source

Spend own balance directly

No data yet
YesConditions apply: tap or hover for detailsShow source

Spends USDC balance directly, no pre-conversion

Availability

Available in

European Union, NorwayShow source
GlobalConditions apply: tap or hover for detailsShow source

Except the excluded countries and 17 US states

Not available in

Iceland, LiechtensteinShow source
AF, AL, AD, Australia, Austria, BY, Belgium, BA, Bulgaria, BF, BI, KH, Canada, CF, CN, Croatia, CU, Cyprus, Czechia, CD, Denmark, ER, Estonia, Finland, France, GE, Germany, Greece, GN, GW, HT, Hungary, Iceland, India, Indonesia, IR, IQ, Ireland, Israel, Italy, JM, JO, XK, LA, Latvia, LB, LR, LY, Lithuania, Luxembourg, Malaysia, ML, Malta, MD, MC, ME, MA, MZ, MM, Netherlands, New Zealand, NI, Nigeria, KP, Norway, PS, Poland, Portugal, QA, Romania, RU, SM, RS, Slovakia, SO, South Africa, South Korea, Spain, SD, Sweden, Switzerland, SY, Thailand, Turkey, UG, Ukraine, United Arab Emirates, United Kingdom, VU, VE, EH, YE, PW, NP, VietnamConditions apply: tap or hover for detailsShow source

Residents or citizens, regardless of current residence

Account / spend currencies

EURShow source
No data yet

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

ATM withdrawals

No data yet
YesShow source

Spend stablecoins

YesShow source
YesShow source

Spendable assets

USDC · USDGShow source
USDCShow source

Blockchains

No data yet
Solayer ChainShow source

Limits

ATM limit

No data yet
$250Conditions apply: tap or hover for detailsShow source

Per withdrawal, incl. ATM surcharges; at most three attempts per 24 hours

Security & custody

Regulation / licences

OKX licensed under MiCA (card itself not a MiCA-licensed product)Show source
No data yet

Deposit protection

NoShow source
No data yet

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

Solayer Pay

  • Annual & monthly fees−18 EUR
  • FX costs−54 EUR
  • Crypto conversion–
  • Per-transaction feesunknown
  • 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

More OKX Card (EEA) comparisons

More Solayer Pay comparisons