OKX Card (EEA) vs SwissBorg 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: Fees, Custody & security.
- 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, Custody & security
SwissBorg Card is a good fit for
- Stablecoin holders
- 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 | OKX Card (EEA) | SwissBorg Card |
|---|---|---|
| Fees | 99 | 88 |
| Cashback & rewards | 65 | – |
| Availability | 93 | 100 |
| FX & international | 100 | 100 |
| Product features | 56 | 47 |
| Custody & security | 75 | 60 |
| Credit & financing | 30 | 30 |
| Limits & ATM | – | 20 |
| Transparency | 100 | 100 |
| Best for Cashback | 7.6 | 6.5 |
| Best for Travel | 8.4 | 7.6 |
| Best for DeFi Users | 7.0 | 6.0 |
| Best for Stablecoins | 8.5 | 7.6 |
| Best for High Spenders | 7.2 | 6.1 |
| Best for Low Fees | 9.2 | 8.3 |
| Best for Beginners | 8.2 | 7.5 |
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
Debit cardShow source
Network
MastercardShow source
MastercardShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
CustodialConditions apply: tap or hover for detailsShow source
Spends crypto balances held in the SwissBorg app
Launch date
2026-01-28Show source
Card issuer / program manager
UAB Monavate (issuer); OKX Europe Limited (program manager)Show source
UAB Monavate (Bank of Lithuania); app operated by BlockNodes SAS (MiCA licence A2026-011, France)Show source
Fees
Annual fee
FreeShow source
FreeShow source
Monthly fee
FreeShow source
FreeShow source
Virtual card fee
FreeShow source
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
No added OKX FX fee
0%Conditions apply: tap or hover for detailsShow source
Mastercard exchange rate; SwissBorg adds no FX fee (the crypto exchange fee still applies)
Crypto conversion fee
0.1%Conditions apply: tap or hover for detailsShow source
Market spread converting stablecoins to EUR
0.99%Conditions apply: tap or hover for detailsShow source
Exchange fee for every loyalty rank; a real-time market-liquidity adjustment may be added
Other fees & markups
Real-time market-liquidity adjustment may be applied to the conversion price · Third parties such as Apple/Google Pay, Curve or PayPal may charge additional feesShow 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
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
BORGShow source
Cashback type
StablecoinShow source
Platform tokenShow 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
Only purchases where USDG is the active payment currency · Rate and monthly cap depend on OKX VIP levelShow source
Cashback is a share of the 0.99% exchange fee: up to 5% (Standard) to up to 99% (Elite top 10) depending on the loyalty rank · BORG rewards are locked for a period (Paid to Trade programme) · Cashback is not guaranteed and can be changed or stopped at any timeShow source
Staking / holding required for top rewards
NoConditions apply: tap or hover for detailsShow source
Cashback level depends on OKX VIP level instead
Reward expiry / vesting
BORG cashback is locked for a certain periodShow source
Reward exclusions
USDC payments earn no cashbackShow source
Credit & financing
Credit line
NoShow source
NoShow source
Availability
Available in
European Union, NorwayShow source
United Kingdom, Switzerland, Austria, Belgium, Cyprus, Croatia, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, SwedenShow source
Not available in
Iceland, LiechtensteinShow source
Account / spend currencies
EURShow source
EUR · CHF · GBPConditions apply: tap or hover for detailsShow source
Base currency set by country of residence
Features
Apple Pay
YesShow source
YesConditions apply: tap or hover for detailsShow source
Initially in Switzerland and France only
Google Pay
YesShow source
YesShow source
Physical card
NoConditions apply: tap or hover for detailsShow source
Currently virtual-only
NoConditions apply: tap or hover for detailsShow source
May follow later
Virtual card
YesShow source
YesShow source
ATM withdrawals
NoShow source
Spend stablecoins
YesShow source
YesShow source
Spendable assets
USDC · USDGShow source
USDC · BTC · ETH · SOL · BORG · USDG · EUROP · TGBPShow source
Security & custody
Regulation / licences
OKX licensed under MiCA (card itself not a MiCA-licensed product)Show 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
SwissBorg Card
- Annual & monthly fees+0 EUR
- FX costs+0 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