Yearly cost at three spending levels
| Monthly spend | OKX Card | ether.fi Cash |
|---|---|---|
| $500 | ≤ +$111.60 Non-VIP | ≤ +$180 Core |
| $2,000 | ≤ +$453.60 Non-VIP | ≤ +$720 Core |
| $5,000 | ≤ +$621.46 Non-VIP | ≤ +$720 Core |
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 | ether.fi Cash Core |
|---|---|---|
| Top-up and conversion fees | -$26.40 | Not disclosed |
| Spending fees | $0 | Not disclosed |
| Foreign exchange markup | $0 | Not disclosed |
| ATM fees | Not disclosed | Not disclosed |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | +$480 | +$720 |
| Net per year | +$453.60 | +$720 |
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 Not disclosed.
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 does not publish a country list. ether.fi does not publish a country list. In Argentina, Angola, Bangladesh, Bolivia, Colombia, Ecuador, Indonesia, Malaysia, Mexico, Nigeria, Peru, the Philippines, South Africa and Thailand 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 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.
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. Some fees, including the FX margin and the ATM fee on Core, are not published as fixed figures.
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