Mastercard · Self-custody · Full KYC · Virtual

OKX Card (Europe): Fees, Limits and Cashback

OKX Card (Europe) is a self-custody Mastercard from OKX Europe Limited (Malta) that charges 0.1% to convert crypto when you spend. The FX markup on foreign-currency spending is 0%, and cashback is 2%, or up to 10% on higher tiers. There is no annual fee. It is offered in 28 countries.

Verified September 24, 2026Issued by OKX Europe Limited (Malta)

64/100

Overall rating

Countries offered

Free

Annual fee

0.1%

Conversion fee

FX markup

2% to 10%

Cashback

74/100

Safety score · Good

OKX Card pros and cons

Pros

No annual or monthly fee
0% FX markup on foreign-currency spending
2% cashback, up to 10% on higher tiers
Self-custody: funds stay in your wallet until you pay
Works with Apple Pay and Google Pay
Free virtual card
Safety score 74/100 (Good)

Cons

0.1% crypto conversion fee
Virtual card only, so no ATM withdrawals

OKX Card fees and limits

Virtual card	Free
Physical card	Not offered
Annual fee	Free
Monthly fee	None
Crypto conversion fee	0.1%
FX markup	0%
Fee on purchases in EUR	None
ATM withdrawals	No ATM access (virtual card only)
Daily spending limit	Not disclosed
Monthly spending limit	Not disclosed
Daily ATM limit	Not offered
Card currency	EUR

"Not disclosed" means OKX Card does not publish the figure. Fees are read from the issuer's own pages, linked under Sources.

OKX Card cashback and rewards

Tier	Rate	Paid in	Monthly spend cap	Requirement
Non-VIP	2%	USDG	€2,500	None
VIP 1	4%	USDG	€7,500	OKX VIP level 1
VIP 2	4.5%	USDG	€10,000	OKX VIP level 2
VIP 3	5%	USDG	€20,000	OKX VIP level 3
VIP 4+	10%	USDG	€10,000	OKX VIP level 4 or higher

Cashback is earned only on purchases paid with USDG and is credited in USDG. The VIP level depends on your OKX balance and trading volume. Rates apply from 1 September 2026.

What OKX Card costs over a year

Net value per year after cashback, conversion, FX, ATM and fixed fees, with US dollars as the home currency, 20% of spending abroad and one $200 ATM withdrawal a month.

Monthly spending	Net per year	Tier used
$500	≤ +$111.60	Non-VIP
$2,000	≤ +$453.60	Non-VIP
$5,000	≤ +$621.46	Non-VIP

Run it with your own numbers in the card cost calculator.

OKX Card Apple Pay, Google Pay and ATM withdrawals

OKX Card works with Apple Pay and Google Pay. The virtual card is ready to use as soon as it is issued. It is a virtual card only, so it cannot be used at ATMs. It runs on Mastercard, so it works wherever that network is accepted, online and in shops.

Where OKX Card is available

OKX Card is offered in the 28 countries below. Available across the EU and Norway, excluding Iceland and Liechtenstein. The card is virtual only for now.

Supported countries (28)

Austria
Belgium
Bulgaria
Croatia
Cyprus
Czechia
Denmark
Estonia
Finland
France
Germany
Greece
Hungary
Ireland
Italy
Latvia
Lithuania
Luxembourg
Malta
Netherlands
Norway
Poland
Portugal
Romania
Slovakia
Slovenia
Spain
Sweden

The crypto card finder lists every card we track by country.

Topping up OKX Card

OKX Card tops up with USDC and USDG. Converting crypto costs 0.1%. The card is self-custody, so funds stay in your wallet until you pay.

How to get the OKX Card

Check that you live in a country where OKX Card is offered (see the list above).
Download the OKX app and complete identity verification with a government ID and a selfie check.
Top up with USDC and USDG.
Issue the virtual card for free and add it to Apple Pay or Google Pay.

Who the OKX Card suits

Travellers and people who pay in several currencies, thanks to its 0% FX markup.
Wallet users who want funds to stay in their own wallet until they pay.
Everyday spenders who want cashback without a subscription: the base rate is 2%.

OKX Card overall rating

OKX Card rates 64/100 in our crypto card ranking.

Factor	Detail	Points
Reach	28 countries	15 / 40
Yearly cost	+$453.60 a year at $2,000 a month	26.3 / 30
Safety	74/100	22.2 / 30

Is OKX Card safe?

OKX Card scores 74/100 (Good) in our safety check. Issuer: OKX Europe Limited (Malta). Licensing: MiCA crypto-asset service provider licence from the Malta Financial Services Authority (OKX Europe Limited); OKX says the card itself is not a MiCA-licensed product.

OKX publishes a monthly proof of reserves; the 45th report was published on 30 July 2026.

Full OKX Card safety report

Compare OKX Card with other cards

Frequently asked questions

What are the OKX Card fees?

OKX Card charges a 0.1% conversion fee, a 0% FX markup on foreign-currency spending, no annual fee. The virtual card is free. Its ATM fee is listed in the fees table on this page.

Is OKX Card available in the US?

No. OKX Card does not offer the card to US residents. Available across the EU and Norway, excluding Iceland and Liechtenstein. The card is virtual only for now.

Does OKX Card have cashback?

Yes. OKX Card pays 2% to 10%. Cashback is earned only on purchases paid with USDG and is credited in USDG. The VIP level depends on your OKX balance and trading volume. Rates apply from 1 September 2026.

What is the OKX Card ATM withdrawal fee?

OKX Card is a virtual card only, so it cannot be used at ATMs.

Does OKX Card work with Apple Pay and Google Pay?

Yes. OKX Card supports both Apple Pay and Google Pay.

Is OKX Card safe?

OKX Card scores 74/100 (Good) in our safety check, which looks at licensing, custody, fund segregation, proof of reserves and incident history. Keeping only what you plan to spend on any crypto card is a sensible habit.

Sources

OKX Card fees · checked September 24, 2026
OKX Card cashback · checked September 24, 2026