EEA virtual
Debit · MastercardEU and Norway; excludes Iceland and Liechtenstein
United StatesNot available for this residence
See available cardsFees and rewards
- Issuance
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Free virtual-card issuance
Eligible European users only; no physical card is issued.
Sources · 1
www.okx.com - Ongoing fees
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No monthly, annual or inactivity fee
Stablecoin conversion spread still applies; no holding fee does not mean cost-free purchases.
Sources · 1
www.okx.com - Foreign currency
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0.1% stablecoin conversion spread; no card FX markup
Card settles in EUR; Mastercard converts non-EUR purchases. EUR billing and the stablecoin conversion spread still apply.
- Rewards & conditions
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Non-VIP 2%, capped at €50/month; VIP up to 10%/€1,000
Standard schedule effective 2026-09-01: VIP1 4%/€300, VIP2 4.5%/€450, VIP3 5%/€1,000, VIP4+ 10%/€1,000. USDG-funded purchases only, not USDC; paid in USDG usually within 72 hours of settlement. Cash, finance, insurance, education, government and other MCC exclusions apply; refunds reverse rewards. Minimum reward 0.01 EUR and 0.01 USDG after conversion.
Sources · 1
www.okx.com - Funding / conversion
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Spend OKX Pay balance without a separate card top-up
Hold supported stablecoins first; external transfer or purchase costs depend on network/channel.
- ATM withdrawals
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No ATM withdrawals not supported
Cash-like transactions, financial transfers and brokerage/crypto-exchange funding are also restricted.
Sources · 1
www.okx.com
Spending and limits
- Card format
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Virtual Mastercard debit product using a prepaid BIN
No physical card or credit borrowing; some car-hire/hotel deposits and offline terminals may reject prepaid cards.
- Apple Pay
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Yes Apple Pay supported
Requires supported device, wallet market and successful enrollment.
Sources · 1
www.okx.com - Google Pay
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Yes Google Pay supported
Requires supported device, wallet market and successful enrollment.
Sources · 1
www.okx.com - Assets and funding
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USDC and USDG held in OKX Pay
Convert other assets into supported stablecoins first; automatic EUR conversion on spending. Select USDG for rewards; Exchange balances are not automatically available Pay balances.
- Spending and withdrawal limits
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No uniform fixed EEA per-purchase/day limit; balance and risk controls apply
Set personal per-purchase/day limits in Card management → Spending limits; the app shows available range. Disabled personal limits do not mean unrestricted spending. Daily limits reset 00:00 UTC; refunds do not restore allowance, except pre-settlement reversals.
Application and account
- Residence / identity
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Eligible EU/Norway residents with an OKX Europe account and identity verification
Iceland/Liechtenstein excluded; Card must be available in the app and issuer approval is required. Nationality or European travel does not substitute for qualifying residence.
- Application and activation
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OKX App → Pay → Card → identity/region approval → activate → select payment stablecoin
Virtual card is app-only; no Card entry means unavailable for that account/region. Billing address must match the main account.
- Custody
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Assets stay in OKX Pay with authority for OKX to convert and settle card payments
Monavate issues the card; OKX Europe manages the program. Continuous payment authority permits tips/settlement adjustments. Crypto balances are not deposit-insured bank deposits.
Sources · 1
www.okx.com - Refunds, repayment and card controls
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OKX converts assets to EUR for issuer settlement; merchant refunds return to the account
EEA terms use the original transaction FX rate for refunds, without guaranteed compensation for FX losses. Tips/extra settlement can be debited automatically. Refunds reverse rewards and do not restore daily allowance; freeze suspicious cards and contact OKX support for disputes.
