OKX Card (EEA) vs Wirex Card

Product status: Active

Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Product status: Active

Source: X-tras pricing: plans and tiers

Official pricing / fee schedule (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Card type: Prepaid card

Marketed as a debit card, runs on a prepaid BIN

Source states (paraphrased): Although marketed as a "Debit Card," the OKX Card operates on a prepaid Bank Identification Number (BIN).

Source: EEA Regional Addendum to the Pay Wallet Terms | OKX Europe

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Card type: Debit card

Source states (paraphrased): The Wirex card is a debit card that is linked to your Wirex account.

Source: What is the Wirex card?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Network: Mastercard

Source: What is the OKX Card? Crypto card explained for European users (2026)

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Launch date: 2026-01-28

Source states (paraphrased): OKX launched the OKX Card on 28 January 2026 across the European Economic Area (EEA)

Source: What is the OKX Card? Crypto card explained for European users (2026)

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Card issuer / program manager: UAB Monavate (issuer); OKX Europe Limited (program manager)

Source states (paraphrased): is issued by UAB Monavate ("Monavate"), a company incorporated in Lithuania

Source: EEA Regional Addendum to the Pay Wallet Terms | OKX Europe

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Tiers / plans: Standard · Premium · Elite

Each plan has Entry tier plus WXT-lock boost tiers (Enhanced/Ultimate)

Source states (paraphrased): The program offers three different X-tras subscription plans: Standard, Premium, and Elite.

Source: X-tras pricing plans and tiers

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Monthly fee: Free

Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Monthly fee: Free

Standard plan free; Premium €9.99/month or €102/year; Elite €29.99/month or €306/year

Source states (paraphrased): it is available to all Wirex users for free

Source: X-tras pricing plans and tiers

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Physical card fee: Free

Card issuance free in all regions; delivery fee separate (EEA: 5 EUR untracked, 15 EUR DHL Express)

Source states (paraphrased): | Card Issuance | Free | Free | Free | Free | Free | Free

Source: Wirex fees

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%

Virtual card fee: Free

Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

FX fee: 0%

As stated on this help article

Source states (paraphrased): there are no annual or foreign exchange fees to worry about

Source: Benefits of the Wirex card explained

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%

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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Top-up fee: Free

SEPA (EUR) bank transfer deposit free; local card funding 0% or more depending on currency/country

Source states (paraphrased): | Sepa (EUR)* | Free

Source: Wirex fees

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%

ATM fee: 2%

EEA: after 200 EUR free monthly

Source states (paraphrased): Free up to 200 EUR monthly, 2% thereafter

Source: Wirex fees

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Free ATM allowance: €200/month

EEA, per month

Source states (paraphrased): Free up to 200 EUR monthly, 2% thereafter

Source: Wirex fees

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Other fees & markups: Card delivery fee in EEA: 5 EUR (DHL WorldMail, untracked) or 15 EUR (DHL Express) · Crypto transfers to external wallets: variable network-based fees · Local card top-up: 0% or more depending on currency and country · One-off GBP 30 administrative fee on account closure for Terms of Service violations

Source states (paraphrased): | European Economic Area | DHLWorldMail (not trackable) | 5 EUR |

Source: Wirex fees

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%

Base cashback: 0.5%

Standard plan, Entry tier

Source states (paraphrased): Standard Entry tier offers 0.5% Cryptoback on card purchases.

Source: X-tras pricing: plans and tiers

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Max cashback: 8%

Elite plan (€29.99/month) at the Ultimate WXT-lock tier

Source states (paraphrased): Elite Ultimate tier reaches 8% Cryptoback.

Source: X-tras pricing: plans and tiers

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Cashback paid in: USDG

Source: What is the OKX Card? Crypto card explained for European users (2026)

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Cashback paid in: WXT

Source: Wirex's Cryptoback™ rewards explained

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Cashback type: Stablecoin

Source: What is the OKX Card? Crypto card explained for European users (2026)

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Cashback type: Crypto

Cryptoback rewards program

Source states (paraphrased): Cryptoback™ , that allows you to earn cryptocurrency every time you use your card

Source: What is the Wirex card?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%

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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

Cashback conditions: Only purchases with USDG as the active payment currency earn cashback; USDC payments do not · Rate and monthly cap depend on OKX VIP level · Cashback rates are subject to promotional periods

Source states (paraphrased): Cashback applies only to purchases where USDG is the active payment currency. 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)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Cashback conditions: Standard Enhanced 1%: lock 150,000 WXT for 180 days · Premium (€9.99/month): 1% Entry, 2% with 250,000 WXT, 3% with 750,000 WXT locked · Elite (€29.99/month): 4% Entry, 6% with 1,500,000 WXT, 8% with 7,500,000 WXT locked

Source states (paraphrased): Users can upgrade to the Enhanced or Ultimate tier by locking 1,500,000 WXT or 7,500,000 WXT tokens, respectively, for 180 days.

Source: X-tras pricing plans and tiers

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Staking / holding required for top rewards: No

Cashback level depends on OKX VIP level instead

Source states (paraphrased): Cashback is credited instantly in crypto, with no staking or lock-up requirements.

Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Staking / holding required for top rewards: Yes

Higher tiers require locking WXT for 180 days (e.g. 150,000 WXT for Standard Enhanced)

Source: X-tras pricing: plans and tiers

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Staking asset: WXT

Source: X-tras pricing: plans and tiers

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Reward exclusions: Cash withdrawals, cash-equivalent transactions and ATM usage · Refunds, chargebacks, reversed or disputed transactions · Peer-to-peer transfers and internal account movements · Fees, interest, penalties, taxes · MCCs excluded by OKX

EEA Card Cashback Programme; rates and caps set by OKX and may vary

Source states (paraphrased): cash withdrawals, cash-equivalent transactions, and ATM usage;

Source: EEA Regional Addendum to the Pay Wallet Terms | OKX Europe

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Reward exclusions: Cash withdrawals · Transfers

Source: Cryptoback™ FAQ

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Credit line: No

Source: What is the OKX Card? Crypto card explained for European users (2026)

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Available in: EEA

EEA addendum; subject to eligibility

Source states (paraphrased): For residents of the European Economic Area (EEA), the Services are provided by the following regulated entities

Source: EEA Regional Addendum to the Pay Wallet Terms | OKX Europe

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%

Not available in: Iceland, Liechtenstein

Source: What is the OKX Card? Crypto card explained for European users (2026)

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Account / spend currencies: EUR

Source states (paraphrased): The Card itself is denominated in Euro (EUR)

Source: EEA Regional Addendum to the Pay Wallet Terms | OKX Europe

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Apple Pay: Yes

Source states (paraphrased): The card can also be added to Apple Pay or Google Pay on supported devices.

Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Apple Pay: Yes

Source states (paraphrased): Apple Pay makes it easy to pay with your Wirex card on your iPhone, Apple Watch, Mac, iPad, and Apple Vision Pro

Source: Wirex - Apple Pay

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Google Pay: Yes

Source states (paraphrased): The card can also be added to Apple Pay or Google Pay on supported devices.

Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

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)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Physical card: Yes

Source states (paraphrased): The Wirex card comes in both virtual and physical forms

Source: Benefits of the Wirex card explained

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Virtual card: Yes

Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Virtual card: Yes

Source states (paraphrased): The Wirex card comes in both virtual and physical forms

Source: Benefits of the Wirex card explained

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

ATM withdrawals: Yes

Source states (paraphrased): the physical card can be used at any point of sale or ATM that accepts Visa or Mastercard

Source: Benefits of the Wirex card explained

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Spend stablecoins: Yes

Source: What is the OKX Card? Crypto card explained for European users (2026)

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Spend stablecoins: Yes

Source states (paraphrased): make purchases with cash, stablecoins, and cryptocurrencies

Source: Benefits of the Wirex card explained

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Spendable assets: USDC · USDG

Source states (paraphrased): Supported spending assets currently include USDC and USDG held in the OKX Pay account.

Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Regulation / licences: UAB Monavate: EMI authorised by the Bank of Lithuania (LB002139) · OKX Europe Limited: CASP licensed by the Malta Financial Services Authority (MiCA)

Source states (paraphrased): licensed as a Crypto-Asset Service Provider by the Malta Financial Services Authority

Source: EEA Regional Addendum to the Pay Wallet Terms | OKX Europe

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%

Deposit protection: No

Source states (paraphrased): Your balance is not protected by any investor compensation scheme under Directive 97/9/EC or the deposit guarantee schemes

Source: EEA Regional Addendum to the Pay Wallet Terms | OKX Europe

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%