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Kolo Card vs OKX Card (EEA)

Kolo Card

Crypto native

5.9
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OKX Card (EEA)

Crypto native

7.9
Get the card

Verdict

  • OKX Card (EEA) scores higher overall (7.9 vs 5.9 out of 10).
  • Kolo Card is clearly stronger on: Product features.
  • OKX Card (EEA) 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.

Kolo Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders

Stronger on: Product features

OKX Card (EEA) is a good fit for

  • Stablecoin holders
  • 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 & sourcesKolo Card vs ether.fi CashOKX Card (EEA) vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionKolo CardOKX Card (EEA)
Fees10099
Cashback & rewards865
Availability–93
FX & international–100
Product features7056
Custody & security8075
Credit & financing–30
Limits & ATM––
Transparency100100
Best for Cashback4.27.6
Best for Traveln/a8.4
Best for Self-Custody6.9n/a
Best for DeFi Users6.37.0
Best for Stablecoins6.68.5
Best for High Spenders4.47.2
Best for Low Fees8.09.2
Best for Beginners7.48.2

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

Debit cardShow source
Stablecoin cardShow source

Network

VisaShow source
MastercardShow source

Custody model

Self-custodyConditions apply: tap or hover for detailsShow source

Since 1 July 2026: Kolo holds one key share and never assembles the full private key

CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

Launch date

No data yet
2026-01-28Show source

Card issuer / program manager

No data yet
UAB Monavate (issuer); OKX Europe Limited (program manager)Show source

Fees

Annual fee

No data yet
FreeShow source

Monthly fee

No data yet
FreeShow source

Virtual card fee

No data yet
FreeShow source

FX fee

No data yet
0%Conditions apply: tap or hover for detailsShow source

No added OKX FX fee

Crypto conversion fee

0%Conditions apply: tap or hover for detailsShow source

0% markup on USDT, USDC and EURC

0.1%Conditions apply: tap or hover for detailsShow source

Market spread converting stablecoins to EUR

Cashback & rewards

Base cashback

No data yet
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

Max cashback

2%Conditions apply: tap or hover for detailsShow source

Promotional programme that Kolo may change or end at any time

10%Conditions apply: tap or hover for detailsShow source

VIP 4+ on OKX, capped at €1,000/month

Cashback paid in

BTCShow source
USDGShow source

Cashback type

CryptoShow source
StablecoinShow source

Max cashback per month

No data yet
€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

Cashback conditions

Credited only after the purchase has cleared ('Accrued' then 'Paid') · Kolo may modify, suspend or end the Cashback Program at any timeShow source
Only purchases where USDG is the active payment currency · Rate and monthly cap depend on OKX VIP levelShow source

Staking / holding required for top rewards

No data yet
NoConditions apply: tap or hover for detailsShow source

Cashback level depends on OKX VIP level instead

Reward exclusions

No data yet
USDC payments earn no cashbackShow source

Credit & financing

Credit line

No data yet
NoShow source

Availability

Available in

No data yet
European Union, NorwayShow source

Not available in

No data yet
Iceland, LiechtensteinShow source

Account / spend currencies

No data yet
EURShow source

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

No data yet
NoConditions apply: tap or hover for detailsShow source

Currently virtual-only

Virtual card

No data yet
YesShow source

Spend stablecoins

YesShow source
YesShow source

Spendable assets

BTC · ETH · LTC · USDT · USDC · EURCShow source
USDC · USDGShow source

Security & custody

Regulation / licences

No data yet
OKX licensed under MiCA (card itself not a MiCA-licensed product)Show source

Deposit protection

No data yet
NoShow source

Annual cost at 1,500 EUR/month

Kolo Card

  • Annual & monthly feesunknown
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashbackunknown
  • Net annual valuenot enough data

OKX Card (EEA)

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+360 EUR
  • Net annual valuenot enough data

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

More Kolo Card comparisons

More OKX Card (EEA) comparisons