OKX Card (EEA) vs Wise Card
Crypto native
E-money / FinTech
Verdict
- OKX Card (EEA) scores higher overall (7.7 vs 7.3 out of 10).
- OKX Card (EEA) is clearly stronger on: FX & international.
- 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
Wise Card is a good fit for
- Frequent travellers
Score by criterion
| Criterion | OKX Card (EEA) | Wise Card |
|---|---|---|
| Fees | 99 | 100 |
| Cashback & rewards | 65 | – |
| Availability | 93 | 100 |
| FX & international | 100 | 83 |
| Product features | 67 | – |
| Custody & security | – | – |
| Credit & financing | 30 | – |
| Limits & ATM | – | 51 |
| Transparency | 86 | 86 |
| Best for Cashback | 7.4 | n/a |
| Best for Travel | 8.4 | 7.6 |
| Best for DeFi Users | 6.3 | n/a |
| Best for Stablecoins | 8.0 | n/a |
| Best for High Spenders | 7.1 | n/a |
| Best for Low Fees | 9.0 | 8.6 |
| Best for Beginners | 7.9 | 7.5 |
| Best E-Money Card | n/a | 8.0 |
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: Fees for holding, receiving, and spending money
Official pricing / fee schedule (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%
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%
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%
Free*Show source
Monthly fee: Free
No subscription required
Source: Fees for holding, receiving, and spending money
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
No subscription required
Physical card fee
£7*Show source
Physical card fee: £7
UK one-time fee; US $9; EUR fee not captured; virtual card free
Source: How to use the Wise card abroad: for Brits
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
UK one-time fee; US $9; EUR fee not captured; virtual card free
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: How to use the Wise card abroad: for Brits
Official announcement (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
0.43%*Show source
FX fee: 0.43%
From; varies by currency pair; 0% when spending a currency you hold
Source: Fees for holding, receiving, and spending money
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
From; varies by currency pair; 0% when spending a currency you hold
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
ATM fee
2.69%*Show source
ATM fee: 2.69%
Eurozone-issued cards, above the free allowance; ATM operators may add fees
Source: Card payments abroad from France: what are the fees
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Eurozone-issued cards, above the free allowance; ATM operators may add fees
Free ATM allowance
€250/month*Show source
Free ATM allowance: €250/month
Eurozone-issued cards; no limit on the number of free withdrawals
Source: Card payments abroad from France: what are the fees
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Eurozone-issued cards; no limit on the number of free withdrawals
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
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%
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%
Australia, Brazil, Canada, EEA, Switzerland, Israel, Japan, Malaysia, New Zealand, Philippines, Singapore, Thailand, United Kingdom, United States*Show source
Available in: Australia, Brazil, Canada, EEA, Switzerland, Israel, Japan, Malaysia, New Zealand, Philippines, Singapore, Thailand, United Kingdom, United States
Personal customers; US excluding Nevada residents; Thailand not for older accounts
Source: Can I get the Wise card in my country?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Personal customers; US excluding Nevada residents; Thailand not for older accounts
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%
Account / spend currencies
EUR · GBP · USD · and many moreShow source
Account / spend currencies: EUR · GBP · USD · and many more
Source: Getting started with the Wise card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Features
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
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%
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%
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
Wise Card
- Annual & monthly fees+0 EUR
- FX costs−15 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers