Curve Pay vs OKX Card (EEA)

Product status: Active

Source: Fees – Curve Help Centre

Official pricing / fee schedule (tier 1)

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

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: 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: Mastercard

Source states (paraphrased): Fees charged on top of the Mastercard rate.

Source: Fees – Curve Help Centre

Official pricing / fee schedule (tier 1)

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

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: Custodial

The provider holds the funds

Source states (paraphrased): Owner research: custodial

Source: https://www.curve.com/

Official product page (tier 1)

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

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: Curve UK Limited (UK); Curve Europe UAB (EEA)

Source states (paraphrased): The Curve Card and the e-money related to cards issued in the EEA is issued by Curve Europe UAB

Source: Curve Cashback & Rewards

Official terms & conditions (tier 1)

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

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: Curve Pay · Curve Pay X · Curve Pay Pro · Curve Pay Pro+

Source states (paraphrased): Plans Curve Pay Curve Pay X Curve Pay Pro Curve Pay Pro+

Source: Curve Cashback & Rewards

Official terms & conditions (tier 1)

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

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

Curve Pay (free plan)

Source: What Curve Pay subscription plans are available?

Official help center / FAQ (tier 1)

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

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%

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: 2.99%

Free plan above £250/month fee-free FX; paid plans £3,333–£100,000 fee-free

Source: Fees – Curve Help Centre

Official pricing / fee schedule (tier 1)

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

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%

ATM fee: 2% (min. £2)

No free allowance on the free plan; X £300, Pro £500, Pro+ £1,000 per month

Source: Fees – Curve Help Centre

Official pricing / fee schedule (tier 1)

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

Other fees & markups: +1.5% on weekend FX spending (free plan) · 1.5% per transaction on commercial cards · 2.9% when funding through an international payment card above the allowance

Source: Fees – Curve Help Centre

Official pricing / fee schedule (tier 1)

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

Base cashback: 0%

Free plan

Source: What Curve Pay subscription plans are available?

Official help center / FAQ (tier 1)

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

Max cashback: 1%

Paid plans: on non-European/non-UK currency spend (X) or selected retailers (Pro/Pro+, capped £25/£50 per month)

Source: Curve Cashback & Rewards

Official terms & conditions (tier 1)

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

Cashback paid in: Curve Cash

Source states (paraphrased): Cashback is stored on your Curve Cash card and can be used for future purchases.

Source: Curve Cashback & Rewards

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 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: Fiat

Source: Curve Cashback & Rewards

Official terms & conditions (tier 1)

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

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: 1% on non-European/non-UK currency spend requires a premium plan (X, Pro or Pro+) · Pro: 1% at 6 chosen retailers up to £25/month; Pro+: 12 retailers up to £50/month · Brand offers up to 20%, usually one-time and activated in app, UK only (coming soon to EEA)

Source states (paraphrased): You need to be on any premium plan to benefit from this cashback (X, Pro or Pro+).

Source: Curve Cashback & Rewards

Official terms & conditions (tier 1)

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

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: 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: United Kingdom, EEA

Source states (paraphrased): Regulated across the UK and EEA

Source: Curve Cashback & Rewards

Official terms & conditions (tier 1)

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

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

Card can be added to Apple Pay for online payments; using Apple Pay for contactless may forfeit cashback and fee-free FX

Source states (paraphrased): You can connect Curve Pay to Apple Pay and Google Pay.

Source: One tap. Every card. (Curve Pay wallet)

Official product page (tier 1)

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

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

Card can be added to Google Pay; using Google Pay for contactless may forfeit cashback and fee-free FX

Source states (paraphrased): You can connect Curve Pay to Apple Pay and Google Pay.

Source: One tap. Every card. (Curve Pay wallet)

Official product page (tier 1)

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

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

Source states (paraphrased): we’ll send you a new card in the post right away!

Source: I need a new Curve card

Official help center / FAQ (tier 1)

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

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

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%

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%

Airport lounge access: No

Only Curve Pay Pro+ (paid plan); free Curve Pay does not list it

Source states (paraphrased): Airport lounge access

Source: https://www.curve.com/plans

Official product page (tier 1)

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

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: Curve UK Limited: FCA-authorised e-money issuer (FRN 900926) · Curve Europe UAB: electronic money institution licence No. 73, Bank of Lithuania

Source states (paraphrased): authorised in Lithuania by the Bank of Lithuania (electronic money institution license No. 73 issued on 22 of October, 2020)

Source: One tap. Every card. (Curve Pay wallet)

Official product page (tier 1)

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

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

Stated for UK customers and for funds on the Curve Cash card

Source states (paraphrased): FSCS protection does not apply to the funds held on your Curve Cash card

Source: Curve Cashback & Rewards

Official terms & conditions (tier 1)

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

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%