OKX Card (EEA) vs Tuyo Card
Crypto native
Crypto native
Verdict
- OKX Card (EEA) scores higher overall (7.7 vs 6.7 out of 10).
- OKX Card (EEA) is clearly stronger on: FX & international.
- Tuyo 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
Tuyo Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Product features
Score by criterion
| Criterion | OKX Card (EEA) | Tuyo Card |
|---|---|---|
| Fees | 99 | 100 |
| Cashback & rewards | 65 | – |
| Availability | 93 | – |
| FX & international | 100 | 60 |
| Product features | 67 | 80 |
| Custody & security | – | 80 |
| Credit & financing | 30 | 30 |
| Limits & ATM | – | – |
| Transparency | 86 | 79 |
| Best for Cashback | 7.4 | n/a |
| Best for Travel | 8.4 | 6.5 |
| Best for Self-Custody | n/a | 7.6 |
| Best for DeFi Users | 6.3 | 6.8 |
| Best for Stablecoins | 8.0 | 7.5 |
| Best for High Spenders | 7.1 | 6.0 |
| Best for Low Fees | 9.0 | 7.9 |
| Best for Beginners | 7.9 | 7.6 |
Product
Product status
ActiveShow source
Product status: Active
Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ActiveShow source
Product status: Active
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
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)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Stablecoin cardShow source
Card type: Stablecoin card
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Network
MastercardShow source
Network: Mastercard
Source: What is the OKX Card? Crypto card explained for European users (2026)
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
VisaShow source
Network: Visa
Source states (paraphrased): Visa card accepted at 175M+ merchants.
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Custody model
Self-custody*Show source
Custody model: Self-custody
Keys stay on the user's device
Source: Tuyo – Send, Spend, Earn USDC (App Store)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%
Keys stay on the user's device
Card issuer / program manager
Signify Holdings, Inc. (Rain)Show source
Card issuer / program manager: Signify Holdings, Inc. (Rain)
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Monthly fee
FreeShow source
Monthly fee: Free
Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
FreeShow source
Monthly fee: Free
Source states (paraphrased): No monthly fee.
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Virtual card fee
FreeShow source
Virtual card fee: Free
Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
FreeShow source
Virtual card fee: Free
Source states (paraphrased): No issuance fee.
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
FX fee
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)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
No added OKX FX fee
1%*Show source
FX fee: 1%
Up to ~1% FX spread on non-USD spend; no fee on USD transactions
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to ~1% FX spread on non-USD spend; no fee on USD transactions
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)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Market spread converting stablecoins to EUR
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)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Non-VIP; temporarily raised to €20 during a current offer
Cashback conditions
No fixed cashback rate · Tuyo may cover all or part of a purchase at its own discretion ('Your next purchase may be free')Show source
Cashback conditions: No fixed cashback rate · Tuyo may cover all or part of a purchase at its own discretion ('Your next purchase may be free')
Source: Tuyo — Your next purchase may be free
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
NoShow source
Credit line: No
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Availability
Available in
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)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Features
Apple Pay
YesShow source
Apple Pay: Yes
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Google Pay
YesShow source
Google Pay: Yes
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Physical card
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)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Currently virtual-only
No*Show source
Physical card: No
Physical card announced as coming soon
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Physical card announced as coming soon
Virtual card
YesShow source
Virtual card: Yes
Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
YesShow source
Virtual card: Yes
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
YesShow source
Spend stablecoins: Yes
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Blockchains
BaseShow source
Blockchains: Base
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Annual cost at 1,500 EUR/month
OKX Card (EEA)
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+120 EUR
- Net annual valuenot enough data
Tuyo Card
- Annual & monthly fees+0 EUR
- FX costs−36 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