Yearly cost at three spending levels
| Monthly spend | OKX Card | Bitpanda |
|---|---|---|
| $500 | ≤ +$111.60 Non-VIP | ≤ +$60 Standard |
| $2,000 | ≤ +$453.60 Non-VIP | ≤ +$240 Standard |
| $5,000 | ≤ +$621.46 Non-VIP | ≤ +$600 Standard |
Net value per year: cashback minus conversion, FX, ATM and fixed fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.
Where the money goes at $2,000 a month
| Line | OKX Card Non-VIP | Bitpanda Standard |
|---|---|---|
| Top-up and conversion fees | -$26.40 | Not disclosed |
| Spending fees | $0 | $0 |
| Foreign exchange markup | $0 | $0 |
| ATM fees | Not disclosed | Not disclosed |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | +$480 | +$240 |
| Net per year | +$453.60 | +$240 |
Fees
OKX Card charges 0.1% to convert or top up and 0% on spending in a foreign currency. Bitpanda charges Not disclosed and 0%.
ATM withdrawals: OKX Card no atm access (virtual card only); Bitpanda 2%.
A virtual card costs nothing with OKX Card and an undisclosed fee with Bitpanda. A physical card costs an undisclosed fee and nothing. Neither card has an annual fee on its base tier.
Cashback and rewards
OKX Card cashback: 2% to 10%. Bitpanda cashback: 1%.
OKX Card tiers: Non-VIP: 2% on the first €2,500 a month, capped at €50 a month; VIP 1: 4% on the first €7,500 a month, capped at €300 a month; VIP 2: 4.5% on the first €10,000 a month, capped at €450 a month; VIP 3: 5% on the first €20,000 a month, capped at €1,000 a month; VIP 4+: 10% on the first €10,000 a month, capped at €1,000 a month.
Bitpanda tiers: Standard: 1%.
OKX Card: 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.
Bitpanda: Cashback applies only when a crypto asset is the payment asset. Payments from EUR, stablecoins, stocks or metals earn none. ATM withdrawals cost at least €2.
Availability and KYC
OKX Card is offered in 28 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal and Spain. Available across the EU and Norway, excluding Iceland and Liechtenstein. The card is virtual only for now.
Bitpanda is offered in 21 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal and Spain. Bitpanda says you must live in a country in the euro area. Its fee table also lists Swedish, Norwegian and Danish krone versions of the card.
OKX Card needs full KYC and Bitpanda needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
OKX Card does not publish fixed spending or ATM limits.
Bitpanda publishes ATM withdrawals of up to €500 a day.
OKX Card works with Apple Pay and Google Pay, and Bitpanda works with Apple Pay. OKX Card issues a virtual card you can use straight away.
Custody and safety
OKX Card scores 74/100. Licensing: holds a licence or registration outside the tier-one list (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). 2025-02-24: Aux Cayes FinTech Co. Ltd., an OKX operator, pleaded guilty in the US to operating an unlicensed money transmitting business and agreed to pay more than $504 million. 2025-04-03: Malta's Financial Intelligence Analysis Unit fined OKX's European entity €1.1 million for anti-money laundering failures in 2023. OKX publishes a monthly proof of reserves; the 45th report was published on 30 July 2026.
Bitpanda scores 68/100. Licensing: issued by a bank or e-money institution regulated in a tier-one jurisdiction. The card is issued through Transact Payments Malta Limited. 2026-08-14: Austria's FMA fined Bitpanda GmbH €70,000 for breaches of MiCA white paper and marketing rules. The case did not involve customer funds. Bitpanda's custody policy says client crypto-assets are held as trustee, operationally and legally segregated from Bitpanda's own assets.
Full reports: OKX Card safety check and Bitpanda safety check.
About each card
OKX Card (Europe) is a self-custody Mastercard from OKX Europe Limited (Malta). It tops up with USDC and USDG and its balance is held in EUR.
Bitpanda Card is a custodial Visa card from Bitpanda (card issued by Transact Payments Malta Limited). It tops up with EUR, BTC, ETH and USDC and its balance is held in EUR.
Which card fits you
OKX Card fits if
- You want to keep crypto in your own wallet until each payment.
- Most of your spending is in your home currency, where its lower conversion fee counts most.
- You want a higher cashback ceiling (up to 10%).
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Bitpanda fits if
- Its fees and availability match your situation better on the table above.
Read more: OKX Card fees and details · Bitpanda fees and details