Yearly cost at three spending levels
| Monthly spend | OKX Card | ether.fi Cash |
|---|---|---|
| $500 | ≥ -$111.60 Non-VIP | ≥ -$162 Core |
| $2,000 | ≥ -$453.60 Non-VIP | ≥ -$648 Core |
| $5,000 | ≥ -$611.54 Non-VIP | ≥ -$540 Core |
Yearly cost: conversion, FX, ATM and fixed fees minus cashback. A minus sign means cashback outweighs 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 | ether.fi Cash Core |
|---|---|---|
| Top-up and conversion fees | $26.40 | Not disclosed |
| Spending fees | $0 | Not disclosed |
| Foreign exchange markup | $0 | $72 |
| ATM fees | Not disclosed | Not disclosed |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | -$480 | -$720 |
| Yearly cost | -$453.60 | -$648 |
Fees
OKX Card charges 0.1% to convert or top up and 0% on spending in a foreign currency. ether.fi Cash charges Not disclosed and 1.5%.
ATM withdrawals: OKX Card no atm access (virtual card only); ether.fi Cash not disclosed.
A virtual card costs nothing with OKX Card and nothing with ether.fi Cash. A physical card costs an undisclosed fee and an undisclosed fee. Neither card has an annual fee on its base tier.
Cashback and rewards
OKX Card cashback: 2% to 10%. ether.fi Cash cashback: 3% to 4%.
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.
ether.fi Cash tiers: Core: 3% on the first $2,000 a month; Luxe: 3% on the first $10,000 a month; Pinnacle: 3% on the first $50,000 a month; VIP: 4% on the first $50,000 a month.
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.
ether.fi Cash: Membership levels also add category cashback (10% to 30% on AI, streaming and food, capped monthly), travel discounts and account balance protection against smart contract exploits of $10,000 to $500,000, which is not deposit insurance.
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.
ether.fi Cash is offered in 91 countries, including Argentina, Australia, Brazil, Canada, France, Germany, Indonesia, Italy, Malaysia and Mexico. ether.fi lists these jurisdictions. In the US the card is available in 31 states and Washington D.C. only. Belgium and Ireland are eligible, but physical cards are not delivered there. In some countries (including Argentina, Indonesia, Mexico, Nigeria and the Philippines) the first virtual card costs $10.
OKX Card needs full KYC and ether.fi Cash 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.
ether.fi Cash publishes ATM withdrawals of up to $5,000 a day.
OKX Card works with Apple Pay and Google Pay, and ether.fi Cash works with Apple Pay and Google Pay. OKX Card issues a virtual card you can use straight away.
Custody and safety
OKX Card scores 84/100. Licensing: issued by a bank or e-money institution regulated in a tier-one jurisdiction. The card is issued through UAB Monavate. 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.
ether.fi Cash scores 60/100. Licensing: we could not confirm a licence for the card issuer on its own website. No incidents or enforcement actions found in the last 36 months. ether.fi describes Cash as a non-custodial account. The ATM fee on Core is not published as a fixed figure.
Full reports: OKX Card safety check and ether.fi Cash 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.
ether.fi Cash Card is a self-custody Visa card from ether.fi. It tops up with USDC and ETH.
Which card fits you
OKX Card fits if
- You spend in foreign currencies often, since its FX markup is lower.
- 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.
ether.fi Cash fits if
- Its fees and availability match your situation better on the table above.
Read more: OKX Card fees and details · ether.fi Cash fees and details · OKX Card review