What's OKX Card? (EEA)

Published on Jan 21, 2026Updated on Feb 21, 20262 min read7

This article applies to OKX Card in the EEA. For Brazil, see: OKX Card Brazil.

The OKX Card at a glance

The OKX Card is a crypto-backed payment card for everyday spending across the European Economic Area (EEA). It lets you pay using supported stablecoins like USDC and USDG held in your OKX Pay account, while merchants receive payment through the Mastercard® network.

  • Automatic conversion: Your balance is converted to EUR at the moment of purchase, so merchants receive fiat like with any regular card.

  • Fees: OKX doesn’t charge card transaction fees or FX fees; when conversion happens, a 0.1% market spread applies.

  • Cashback: During the first 30 days after launch, eligible users can earn up to 20% cashback on qualifying USDG purchases (subject to caps and terms shown in the OKX app).

  • Card type: The card is currently virtual and can be added to Apple Pay/Google Pay.

  • Issuance standards: Issued in line with applicable European regulatory standards.

What “crypto-backed” means in practice

With the OKX Card, you’re not sending crypto to a merchant on-chain. Instead, payments work in a way that stays familiar to merchants and simple for daily use:

  • You fund payments using your supported stablecoin balance in OKX Pay.

  • The purchase is processed through Mastercard like a normal card transaction.

  • The merchant receives fiat settlement (typically EUR), as with any standard card payment.

This model is designed to keep the user experience straightforward for everyday payments while using stablecoins as the funding source.

Where you can use it

You can use the OKX Card online and in-store, anywhere Mastercard® is accepted, subject to merchant acceptance and certain restricted merchant categories.

What you need to use it

To use the OKX Card in the EEA, you need:

Important notes

  • Availability may vary by country/region within the EEA.

  • The OKX Card is a payment product operating on established card rails; it is not an on-chain wallet transfer to merchants.

  • Terms, eligibility, and features may evolve. Always check the OKX app for the latest rules.

To get your OKX Card, visit here.

Disclaimer

This content is provided for informational purposes only and may cover products that are not available in your region. It is not intended to provide (i) investment advice or an investment recommendation; (ii) an offer or solicitation to buy, sell, or hold crypto/digital assets, or (iii) financial, accounting, legal, or tax advice. Crypto/digital asset holdings, including stablecoins and NFTs, involve a high degree of risk and can fluctuate greatly. You should carefully consider whether trading or holding crypto/digital assets is suitable for you in light of your financial condition. Please consult your legal/tax/investment professional for questions about your specific circumstances. Information (including market data and statistical information, if any) appearing in this post is for general information purposes only. While all reasonable care has been taken in preparing this data and graphs, no responsibility or liability is accepted for any errors of fact or omission expressed herein. © 2026 OKX. This article may be reproduced or distributed in its entirety, or excerpts of 100 words or less of this article may be used, provided such use is non-commercial. Any reproduction or distribution of the entire article must also prominently state: “This article is © 2026 OKX and is used with permission.” Permitted excerpts must cite to the name of the article and include attribution, for example “Article Name, [author name if applicable], © 2026 OKX.” No derivative works or other uses of this article are permitted.