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OKX Card (EEA) vs wavecard

OKX Card (EEA)

Crypto native

7.9
Get the card
wavecard

Crypto native

7.8
Get the card

Verdict

  • OKX Card (EEA) scores higher overall (7.9 vs 7.8 out of 10).
  • OKX Card (EEA) is clearly stronger on: Fees, Custody & security.
  • wavecard is clearly stronger on: Cashback & rewards.
  • 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

wavecard is a good fit for

  • Everyday spenders who want cashback
  • Frequent travellers

Stronger on: Cashback & rewards

★ 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 Cashwavecard vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionOKX Card (EEA)wavecard
Fees9987
Cashback & rewards6575
Availability93100
FX & international100100
Product features5656
Custody & security7560
Credit & financing30–
Limits & ATM–20
Transparency100100
Best for Cashback7.67.7
Best for Travel8.47.9
Best for DeFi Users7.06.9
Best for Stablecoins8.5n/a
Best for High Spenders7.27.3
Best for Low Fees9.28.2
Best for Beginners8.28.0

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

Debit cardShow source

Network

MastercardShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

CustodialConditions apply: tap or hover for detailsShow source

Card funded from the user's Wave Space Crypto account held via partner Lightspark

Launch date

2026-01-28Show source
No data yet

Card issuer / program manager

UAB Monavate (issuer); OKX Europe Limited (program manager)Show source
Lightspark Payments Europe AS (partner for financial services); Wave Space acts as distributorConditions apply: tap or hover for detailsShow source

Card issued via white-label arrangement with a third-party provider

Fees

Annual fee

FreeShow source
No data yet

Monthly fee

FreeShow source
FreeShow source

Physical card fee

No data yet
€29.99Conditions apply: tap or hover for detailsShow source

Tracked delivery free; express delivery €30

Virtual card fee

FreeShow source
€2.99Show source

FX fee

0%Conditions apply: tap or hover for detailsShow source

No added OKX FX fee

0%Show source

Crypto conversion fee

0.1%Conditions apply: tap or hover for detailsShow source

Market spread converting stablecoins to EUR

1%Conditions apply: tap or hover for detailsShow source

Fee on card payments

ATM fee

No data yet
€2 + 3%Show source

Other fees & markups

No data yet
€30 express delivery for physical card · Network withdrawal fees on crypto withdrawals (may differ from actual network fee) · Possible maintenance fee for accounts inactive 365 daysShow 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

3%Conditions apply: tap or hover for detailsShow source

Up to 21,000 sats in total

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
BTCShow source

Cashback type

StablecoinShow source
CryptoShow 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

No data yet

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

No data yet

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

Cash withdrawals and ATM usage · Refunds, chargebacks, reversed or disputed transactions · P2P transfers / internal movements · Fees, interest, penalties, taxes · Excluded MCCsShow source
No data yet

Credit & financing

Credit line

NoShow source
No data yet

Availability

Available in

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

Residents 18+

Not available in

Iceland, LiechtensteinShow source
No data yet

Account / spend currencies

EURShow source
No data yet

Own IBAN / bank details

No data yet
YesShow source

Features

Apple Pay

YesShow source
NoConditions apply: tap or hover for detailsShow source

Only via the Curve app; direct Apple Pay support coming soon

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
No data yet

Spendable assets

USDC · USDGShow source
BTCConditions apply: tap or hover for detailsShow source

Bitcoin-only

Blockchains

No data yet
Bitcoin · LightningShow source

Limits

ATM limit

No data yet
€350Conditions apply: tap or hover for detailsShow source

Daily; monthly €3,000

Spending limit

No data yet
€10,000Conditions apply: tap or hover for detailsShow source

Daily and monthly; monthly up to €15,000 with Tier 2 KYC

Security & custody

Regulation / licences

UAB Monavate: EMI authorised by Bank of Lithuania (LB002139) · OKX Europe Limited: CASP licensed by MFSAShow 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

wavecard

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs−60 EUR
  • Cashback+540 EUR
  • Net annual value480 EUR

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More OKX Card (EEA) comparisons

More wavecard comparisons