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OKX Card (EEA) vs Zoomex Card

OKX Card (EEA)

Crypto native

7.9
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Zoomex Card

Crypto native

5.2
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Verdict

  • OKX Card (EEA) scores higher overall (7.9 vs 5.2 out of 10).
  • OKX Card (EEA) is clearly stronger on: Fees, Cashback & rewards, FX & international, Custody & security.
  • 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: Fees, Cashback & rewards, FX & international, Custody & security

Zoomex Card is a good fit for

  • Stablecoin holders

★ 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 & sourcesOKX Card (EEA) vs ether.fi CashZoomex Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionOKX Card (EEA)Zoomex Card
Fees9988
Cashback & rewards6521
Availability93–
FX & international10020
Product features5656
Custody & security7560
Credit & financing3030
Limits & ATM––
Transparency100100
Best for Cashback7.64.3
Best for Travel8.44.5
Best for DeFi Users7.05.1
Best for Stablecoins8.55.5
Best for High Spenders7.24.0
Best for Low Fees9.26.7
Best for Beginners8.26.7

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

Stablecoin cardShow source
Prepaid cardConditions apply: tap or hover for detailsShow source

Spends the UR account balance funded with USDC

Network

MastercardShow source
No data yet

Custody model

CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

CustodialConditions apply: tap or hover for detailsShow source

Fiat held by UR (SR Saphirstein AG)

Launch date

2026-01-28Show source
No data yet

Card issuer / program manager

UAB Monavate (issuer); OKX Europe Limited (program manager)Show source
UR — SR Saphirstein AG, Swiss fintech licence (Art. 1b Banking Act), FINMA-supervisedShow source

Fees

Annual fee

FreeShow source
FreeShow source

Monthly fee

FreeShow source
No data yet

Virtual card fee

FreeShow source
FreeShow source

FX fee

0%Conditions apply: tap or hover for detailsShow source

No added OKX FX fee

2%Conditions apply: tap or hover for detailsShow source

1–2%

Crypto conversion fee

0.1%Conditions apply: tap or hover for detailsShow source

Market spread converting stablecoins to EUR

1%Conditions apply: tap or hover for detailsShow source

Crypto to fiat; fiat to crypto 0%

Cashback & rewards

Base cashback

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

1%Conditions apply: tap or hover for detailsShow source

Credited monthly to the Zoomex funding account; campaign rules still being prepared

Max cashback

10%Conditions apply: tap or hover for detailsShow source

VIP 4+ on OKX, capped at €1,000/month

1%Show source

Cashback paid in

USDGShow source
No data yet

Cashback type

StablecoinShow source
No data yet

Max cashback per month

€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

No data yet

Cashback conditions

Only purchases where USDG is the active payment currency · Rate and monthly cap depend on OKX VIP levelShow source
Sign-up reward: spend $5, get $10Show source

Staking / holding required for top rewards

NoConditions apply: tap or hover for detailsShow source

Cashback level depends on OKX VIP level instead

No data yet

Reward exclusions

USDC payments earn no cashbackShow source
No data yet

Credit & financing

Credit line

NoShow source
NoShow source

Availability

Available in

European Union, NorwayShow source
No data yet

Not available in

Iceland, LiechtensteinShow source
No data yet

Account / spend currencies

EURShow source
USD · EUR · CHF · JPY · SGD · HKDShow source

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

NoConditions apply: tap or hover for detailsShow source

Currently virtual-only

NoConditions apply: tap or hover for detailsShow source

Initial version is virtual only

Virtual card

YesShow source
YesShow source

Spend stablecoins

YesShow source
YesConditions apply: tap or hover for detailsShow source

USDC is moved into the UR account and converted

Spendable assets

USDC · USDGShow source
No data yet

Security & custody

Regulation / licences

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

Deposit protection

NoShow source
No data yet

Annual cost at 1,500 EUR/month

OKX Card (EEA)

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

Zoomex Card

  • Annual & monthly fees+0 EUR
  • FX costs−72 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+180 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 OKX Card (EEA) comparisons

More Zoomex Card comparisons