OKX Card
OKX Europe Limited (Malta) · MASTERCARD debit
Issuer is MiCA-licensedEMI MT★ 3.9 / 5
OKX Card is OKX's virtual Mastercard debit card (European launch 2026-01-28), issued by OKX Europe Limited (Malta MFSA MiCA CASP). Funded via an OKX Pay stablecoin account (USDC/USDG), EUR settlement, ~0.1% FX, no monthly fee. Cashback ~2-5% by VIP tier, paid in USDG. Available in LV/LT/EE + FI/SE/DK/NO.
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Cashback
5.0%
USDG
Monthly fee
Free
FX markup
0.10%
over ECB
Fees
| Issuance | Free |
| Monthly fee | Free |
| FX markup | 0.10% |
| Free ATM per month | — |
| ATM fee thereafter | 0.00% |
Features
- −Physical card
- ✓Virtual card
- ✓Contactless payments
- ✓Apple Pay
- ✓Google Pay
- ✓Support for 2+ crypto balances
Supported fiat currencies: EUR
Pros
- ✓MiCA/MFSA-regulated issuer (Malta)
- ✓No issuance/monthly fee
- ✓Very low FX spread (~0.1%)
- ✓EUR settlement across Baltics/Nordics
- ✓Apple/Google Pay, no staking
Cons
- ✗Virtual only (no physical card or ATM)
- ✗Modest ongoing cashback (~2-5%, VIP-gated)
- ✗Cashback only on/in USDG
- ✗FX on non-EUR currencies
- ✗Funds in OKX Pay account, not self-custody