Avici Card vs OKX Card (EEA)

Product status: Active

Source: Secured Credit Cards

Official product page (tier 1)

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

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%

Card type: Crypto-backed credit

Secured credit card backed by your own deposit

Source: Secured Credit Cards

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%

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%

Network: Visa

Source states (paraphrased): Works anywhere a Visa international card is accepted.

Source: Avici Card FAQs

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 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%

Custody model: Self-custody

Funds in a smart contract owned by your wallet; Avici can only withdraw against card charges

Source: Avici Card FAQs

Official help center / FAQ (tier 1)

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

Custody model: Custodial

The provider holds the funds

Source states (paraphrased): Owner research: custodial

Source: https://www.okx.com/en-eu/pay

Official product page (tier 1)

Checked by editor · retrieved 24 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: Third National

Card access provided by Avici Inc.

Source states (paraphrased): The issuer for this card program is Third National.

Source: Terms of Service – Avici Card

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

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: Platinum · Signature

Source: Fees and Limits

Official pricing / fee schedule (tier 1)

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

Annual fee: Free

Platinum; Signature costs $30 the first year, then $20/year

Source states (paraphrased): Platinum: one-time fee, no recurring charges. Signature: $30 first year, then $20 annually.

Source: Fees and Limits

Official pricing / fee schedule (tier 1)

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

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%

Physical card fee: $50

Platinum; Signature $75

Source: Fees and Limits

Official pricing / fee schedule (tier 1)

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

Virtual card fee: $15

Platinum, first card; further cards $10

Source: Fees and Limits

Official pricing / fee schedule (tier 1)

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

FX fee: 1%

Charged by Visa, no Avici markup; terms allow up to 3%

Source states (paraphrased): Foreign Exchange Fee (non USD): up to 3%, currently 1% (charged by Visa, no markup from Avici).

Source: Terms of Service – Avici Card

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%

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

Source states (paraphrased): no top-up or withdrawal to wallet fees

Source: Fees and Limits

Official pricing / fee schedule (tier 1)

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

Crypto withdrawal fee: Free

Withdrawal from card to wallet

Source states (paraphrased): no top-up or withdrawal to wallet fees

Source: Fees and Limits

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%

ATM fee: $1 + 0.65%

Listed as maximum charges; FX fee additionally charged on non-USD withdrawals; balance inquiry and decline fees $0.60 each

Source states (paraphrased): ATM - Withdrawal Fee: $1.00 + 0.65%

Source: Terms of Service – Avici Card

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

Small transaction fee: Free

No transaction fees

Source: Fees and Limits

Official pricing / fee schedule (tier 1)

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

Other fees & markups: Dispute fee of $35 (USDC or USDT), non-refundable; only transactions over $30 can be disputed · Replacing a card (delete and create new) costs the same fees as a new card

No extra charges for Apple Pay / Google Pay spending

Source states (paraphrased): Filing a dispute requires a $35 fee , payable in USDC or USDT .

Source: Avici Card FAQs

Official help center / FAQ (tier 1)

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

Base cashback: 0%

No cashback programme (owner research)

Source states (paraphrased): Owner research: Avici has no cashback.

Source: https://avici.money/

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

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)

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

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 type: None

No cashback programme (owner research); the site only lists Visa network benefits

Source states (paraphrased): Owner research: Avici has no cashback.

Source: https://avici.money/

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

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%

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%

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%

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%

Credit line: Yes

Secured by your own deposit

Source: Secured Credit Cards

Official product page (tier 1)

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

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%

Credit type: Crypto-backed credit

Source: Secured Credit Cards

Official product page (tier 1)

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

Collateral assets: USDC

Source states (paraphrased): User deposits USDC in a Loan Escrow smart contract

Source: Secured Credit Cards

Official product page (tier 1)

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

Max loan-to-value: 100%

Collateral market value in USD must equal each dollar charged; spending limit equals collateral value

Source states (paraphrased): will be required to post Collateral that has Market Value in United States Dollars (“USD”) equal to each dollar that is charged to all of your Avici Cards

Source: Terms of Service – Avici Card

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 65%

Interest (APR): 0%

0% interest on all purchases currently; Issuer and Avici reserve the right to introduce interest for new purchases with prior disclosure

Source states (paraphrased): Annual Percentage Rate (APR) for Purchases: 0%

Source: Terms of Service – Avici Card

Official terms & conditions (tier 1)

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

Grace period: One calendar day before an unpaid obligation triggers a Liquidation Event; additional grace period at Avici/Issuer discretion

Source states (paraphrased): such payment obligation has not been paid in full by you within one (1) calendar day

Source: Terms of Service – Avici Card

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

Repayment: Automatic deduction from topped-up USDC balance; no billing cycle or manual repayment

Source states (paraphrased): There’s no billing cycle or manual repayment. We auto-deduct from your topped-up USDC balance.

Source: Avici Card FAQs

Official help center / FAQ (tier 1)

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

Liquidation risk: Yes

Liquidation Event if a payment is unpaid after one calendar day or collateral value falls below existing charges

Source states (paraphrased): If a Liquidation Event occurs, only the amount required to repay your outstanding financial obligations to Issuer will be liquidated from your Collateral.

Source: Terms of Service – Avici Card

Official terms & conditions (tier 1)

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

Available in: AG, Argentina, Australia, BS, BB, BD, BZ, BO, Brazil, KY, Colombia, CR, CI, DO, EC, EG, SV, GH, GD, GT, GY, HN, Hong Kong, Japan, Kenya, Malaysia, Mexico, MA, New Zealand, PK, PA, PY, Peru, Philippines, KN, LC, VC, SN, Singapore, South Africa, SR, Thailand, TT, TC, United Arab Emirates, UG, UY, ZM, United States

Explicit list of available regions. USA only in listed supported states (personal accounts: AL, AK, AR, CA, CO, CT, FL, HI, IL, IN, IA, KS, KY, ME, MA, MI, MN, MT, NE, NH, NJ, NY, NC, OK, PA, SC, TX, UT, VA, WV, WY). Page lists 'Dominica Republica' and 'Dominicana' (mapped to DO; Dominica DM ambiguous, left out). Jurisdictions not mentioned may still be restricted.

Source states (paraphrased): Available Regions Prohibited Regions Supported US States Antigua & Barbuda Argentina Australia Bahamas Barbados Bangladesh

Source: Regions and Prohibitions for Avici Card

Official help center / FAQ (tier 1)

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

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: BY, CN, CU, India, IR, IQ, Israel, MM, NP, NI, KP, RU, SY, Turkey, Ukraine, VE, Vietnam

Card unavailable to residents; China = Mainland. Card also cannot be used to spend in CU, IR, KP, RU, SY, UA, VE

Source states (paraphrased): Avici Card services are unavailable for users to residents of the following countries:

Source: Regions and Prohibitions for Avici Card

Official help center / FAQ (tier 1)

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

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: USD

Foreign-currency transactions are converted into USD

Source states (paraphrased): the credit card association will convert any transaction in foreign currency into U.S. dollars

Source: Terms of Service – Avici Card

Official terms & conditions (tier 1)

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

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): just add it to apple pay or google pay and start spending online or offline immediately

Source: Avici Card FAQs

Official help center / FAQ (tier 1)

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

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%

Google Pay: Yes

Source states (paraphrased): just add it to apple pay or google pay and start spending online or offline immediately

Source: Avici Card FAQs

Official help center / FAQ (tier 1)

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

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: Yes

Issuer may limit the number of physical cards

Source states (paraphrased): limit the number of physical or virtual Avici Cards provided to you

Source: Terms of Service – Avici Card

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 65%

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%

Virtual card: Yes

Issuer may limit the number of virtual cards

Source states (paraphrased): limit the number of physical or virtual Avici Cards provided to you

Source: Terms of Service – Avici Card

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 65%

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%

ATM withdrawals: Yes

Source states (paraphrased): ATM - Withdrawal Fee: $1.00 + 0.65%

Source: Terms of Service – Avici Card

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

Spend stablecoins: Yes

USDC deposit backs the USD credit balance

Source states (paraphrased): We use the deposited USDC to create USD Credit balance on the card.

Source: Secured Credit Cards

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

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%

Travel / rental car insurance: Yes

Visa benefits: complimentary rental car insurance; trip cancellation and lost luggage cover

Source states (paraphrased): Auto Rental Insurances: complimentary rental car insurance for accidents or theft

Source: https://avici.money/

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Spendable assets: USDC

Charges are auto-deducted from the topped-up USDC balance; list may not be exhaustive

Source states (paraphrased): We auto-deduct from your topped-up USDC balance.

Source: Avici Card FAQs

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

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%

Blockchains: Ethereum · Polygon · Optimism · Arbitrum

Terms define 'Supported Blockchains' (spelled 'Arbitrium' on the page); others may be added at Issuer's discretion

Source states (paraphrased): means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain and other blockchain networks

Source: Terms of Service – Avici Card

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 50%

ATM limit: $3,000

Per day, both tiers; $1000 per transaction, max 3 ATM transactions per day

Source states (paraphrased): $1000 per txn $3000 per day

Source: Fees and Limits

Official pricing / fee schedule (tier 1)

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

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%

Smart-contract risk: Yes

Source: Avici Card FAQs

Official help center / FAQ (tier 1)

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