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Card	Issuance	Monthly / annual	Spending feesConversion + FX	RewardsRate / cap / eligibility	EligibilityResidence & identity	Apple Pay	Google Pay	ATM withdrawals	Funding fees	Card format	Payment assets	Spending / ATM limits	Who holds funds	Apply / activate	Refunds / repayment	Usage limits
Bitpanda CardEuro-area physical card App application guide Card 1	First card + delivery free Lost card: €5.90 replacement Bitpanda Card · Euro-area physical card Issuance First card and initial delivery are free Lost/damaged replacements cost €5.90; expired cards are replaced free. Shipping must match the registered residential address.	No monthly fee Trading / conversion / ATM extra Bitpanda Card · Euro-area physical card Monthly / annual No monthly fee Trading, asset conversion and ATM fees are separate.	€0 extra FX fee Visa rate; crypto trading fee extra Bitpanda Card · Euro-area physical card Spending fees €0 additional non-EUR card transaction fee Network conversion still applies and crypto trading fees are separate; merchant/ATM dynamic currency conversion may impose its own costs.	1% on eligible crypto spend Paid in spent crypto; excludes stablecoins, EUR, metals, stocks Bitpanda Card · Euro-area physical card Rewards 1% on eligible crypto-funded purchases Rewards use the crypto spent. Stablecoins including USDC/USDT, EUR, metals and stocks are excluded, as are transfers, taxes, utilities and other excluded merchant categories. Allow up to 15 business days for crediting.	Applications open · identity checks required Eligible euro-area residents excluding Cyprus; Bankident verification is not accepted for ordering. Account and card approval required. Bitpanda Card · Euro-area physical card Eligibility Applications open · identity checks required Eligible euro-area residents excluding Cyprus; Bankident verification is not accepted for ordering. Account and card approval required.	Yes Supported Bitpanda Card · Euro-area physical card Apple Pay Apple Pay supported Wallet and device requirements apply.	Yes Supported Bitpanda Card · Euro-area physical card Google Pay Google Pay supported Requires a device compatible with Google Wallet.	Yes： ATM 2% (min €2) · daily €500 Operator fee extra; asset-to-EUR fee separate Bitpanda Card · Euro-area physical card ATM withdrawals 2%, minimum €2 ATM operators may add charges; asset-to-EUR trading fees are separate. Daily withdrawal limit: €500.	Spend balance; trading fee on asset sale EUR balance debited directly; funding costs depend on route Bitpanda Card · Euro-area physical card Funding fees Spend account assets; asset sales incur platform trading fees Asset-sale quotes include trading fees, shown under Trade summary → Trade Fee; EUR is debited directly. Deposit minimums and coin/network fees are in Payment Methods and Limits; regulatory account limits may be lower.	Physical Visa debit · mobile wallet Bitpanda Card · Euro-area physical card Card format Physical Visa debit card with mobile-wallet support This entry covers the physical card only, not the separate virtual-only product. Complete a chip-and-PIN transaction before contactless use.	Platform crypto, metals and EUR Set primary & backup asset; entire tx switches Bitpanda Card · Euro-area physical card Payment assets Choose a main and fallback payment asset Supported crypto, metals and EUR balances can fund payments; other fiat cannot be selected directly. If the main asset is insufficient, the whole payment uses the fallback; otherwise it is declined.	Spend €10k/day · ATM €500/day Monthly spend €280k; contactless limit ~€50 Bitpanda Card · Euro-area physical card Spending / ATM limits €10,000 daily spending; €500 daily ATM withdrawals Published spending caps: €70,000/week and €280,000/month; minimum payment €1. Contactless is typically €50, varying by country. Check effective account limits in Card settings → Limits and Fees.	Bitpanda platform custody Auto-sells crypto and settles via EUR e-money Bitpanda Card · Euro-area physical card Who holds funds Funds are held in the Bitpanda platform account The platform sells assets and settles from the EUR e-money wallet. Transact Payments Malta Limited issues the card; this is not direct spending from a personal onchain wallet.	Apply via App Profile → Card Delivery up to 20 workdays; activate with CVV Bitpanda Card · Euro-area physical card Apply / activate Apply under Profile → Card in the Bitpanda app Complete verification, check name and residential address, select payment assets and order. The help page allows up to about 20 business days for delivery; activate the physical card using its CVV.	Sells to EUR · refunds return EUR Refunds credited as EUR, not repurchased crypto Bitpanda Card · Euro-area physical card Refunds / repayment Assets sell to EUR; refunds return to the EUR wallet Preauthorisation sells assets and may hold EUR for up to 30 days. Refunds, less applicable fees, return as e-money rather than the original crypto quantity. Related rewards may be reversed; any negative balance must be covered promptly.	Rewards and trading costs are separate · Main payment asset must not consist exclusively or predominantly of e-money Bitpanda Card · Euro-area physical card Usage limits Rewards and trading costs are separate Stablecoin spending does not earn 1%. Price moves and asset sale costs affect the outcome; refunds do not restore the original crypto quantity. · Main payment asset must not consist exclusively or predominantly of e-money Product terms section 2.2 imposes this restriction; support for EUR payments does not make this an unrestricted fiat-only account.
OKX CardEEA virtual App application guide Card 2	Free virtual card Eligible European users only OKX Card · EEA virtual Issuance Free virtual-card issuance Eligible European users only; no physical card is issued.	No monthly / annual fee Stablecoin spread: 0.1% OKX Card · EEA virtual Monthly / annual No monthly, annual or inactivity fee Stablecoin conversion spread still applies; no holding fee does not mean cost-free purchases.	0.1% conversion spread EUR settlement; Mastercard FX OKX Card · EEA virtual Spending fees 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.	2% USDG · max €50/mo Eligible USDG purchases only OKX Card · EEA virtual Rewards 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.	Applications open · identity checks required Qualifying EU/Norway residents; requires an OKX Europe account, in-app availability and issuer approval. OKX Card · EEA virtual Eligibility Applications open · identity checks required Qualifying EU/Norway residents; requires an OKX Europe account, in-app availability and issuer approval.	Yes Supported OKX Card · EEA virtual Apple Pay Apple Pay supported Requires supported device, wallet market and successful enrollment.	Yes Supported OKX Card · EEA virtual Google Pay Google Pay supported Requires supported device, wallet market and successful enrollment.	No ATM withdrawals not supported Cash-like, transfer and broker funding restricted OKX Card · EEA virtual ATM withdrawals ATM withdrawals not supported Cash-like transactions, financial transfers and brokerage/crypto-exchange funding are also restricted.	Debits OKX Pay · no separate card top-up Hold supported stablecoins; network costs apply OKX Card · EEA virtual Funding fees Spend OKX Pay balance without a separate card top-up Hold supported stablecoins first; external transfer or purchase costs depend on network/channel.	Virtual Mastercard debit (prepaid BIN) OKX Card · EEA virtual Card format 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.	USDC and USDG stablecoins Select USDG for rewards; auto-converts to EUR OKX Card · EEA virtual Payment assets 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.	Subject to Pay balance and risk limits Set personal per-purchase/daily limits in app OKX Card · EEA virtual Spending / ATM limits 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.	OKX Pay custody · auto conversion Issued by Monavate; crypto asset, not bank deposit OKX Card · EEA virtual Who holds funds 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.	OKX App → Pay → Card Activate after regional access and approval OKX Card · EEA virtual Apply / activate 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.	EUR settlement · refunds reverse rewards Original FX rate used; does not restore daily cap OKX Card · EEA virtual Refunds / repayment 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.	No additional terms listed OKX Card · EEA virtual Usage limits No additional terms listed

Monthly spend · USD equivalent Merchant charge currency Estimate period

Issuance, ongoing and purchase fees only; rewards not deducted. Estimate scope

Issuance, ongoing and spending fees, and their subtotal for each card, in USD
Card	Three-fee subtotalUSD · First year	Spending / year	Ongoing / year	Issuance	Assumptions
Bitpanda CardEuro-area physical card	—Spending rate not estimable	—	—	—	Full fee terms Bitpanda Card · Euro-area physical card Spending fees depend on region, payment assets or transaction conditions; no single rate is used. Full fee terms →
OKX CardEEA virtual	—Spending rate not estimable	—	—	—	Full fee terms OKX Card · EEA virtual Spending fees depend on region, payment assets or transaction conditions; no single rate is used. Full fee terms →

Assumes a funded balance and current regular rates over 12 months. Excludes funding/network costs, ATM, exchange-rate differences, merchant surcharges and special-transaction fees. Temporary offers are not projected for a full year. “—” means unconfirmed or unsuitable for projection, not free. Ranges retain rate differences. No first-year subtotal where the regional issuance price is unclear. This is not a best-price ranking.