Balance shows zero sometimes
App occasionally shows my available balance as zero when payment settings are off. Confusing at checkout. Had a card decline because of it
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OKX Card reviews
A debit Mastercard from OKX with free issuance that spends from your exchange balance.
16reviews
+0reviews this month
0complaints this month
31%customers recommend
Experience ratings
User ratings
Average scores across key criteria.
Convenience4.3/10
Support4.4/10
Fees4.6/10
Functionality4.1/10
Reliability4.3/10
Safety4.4/10
OKX Card reviews
User experiences verified by a moderator.
Queue burns through USDG first
It draws USDG first for cashback then other assets at 0%, so once you hit the cap the rest earns nothing. The mechanics are fiddly to optimize
Virtual only, no ATM at all
There’s no physical card and no ATM access whatsoever. If you ever need cash this card is useless. Purely for online and contactless. Limiting
Simple stablecoin spending
If all you want is to spend stablecoins cheaply this is ideal. No staking no token to hold, just top up and go. Does one thing well
Custodial, they hold everything
OKX holds your funds and can freeze or lose them. It’s an exchange card so all the usual custodial risks apply. Not for the self custody crowd
MiCA licensed and legit
Nice to have a card from a major exchange with a proper MiCA license from Malta. Spends straight from my OKX Pay balance. Feels legit and works well
Zero FX markup is great for travel
No transaction or FX fee from OKX, just the tiny spread, and it uses the Mastercard rate. Traveled across the EU and it barely cost anything. Love it
Cheapest way to spend stablecoins in EU
The 0.1% spread is about as low as it gets and there are basically no other fees. For spending USDC in Europe it undercuts almost everyone. Clean product
The AML fine worries me
The Maltese entity got fined over a million euro for AML shortcomings in early 2026. Doesn’t inspire confidence handing them my money even if it predates the current setup
Cashback capped at €10 a month
The 2% cashback sounds nice until you hit the €10 monthly cap almost immediately. For regular users the rewards are basically nothing. Very restrictive
Only USDG earns cashback
You’d think USDC would count but no, cashback only applies to USDG. USDC payments earn zero. Sneaky little detail that kills the rewards for most people
Instant virtual card
Got the virtual card issued instantly and added it to Apple Pay in minutes. Spending USDG earns some cashback too. Smooth onboarding
New and unproven
Only launched in the EEA in January 2026 so there’s not much track record yet. Works now but I’m cautious with a card this new from an exchange
Support is exchange level
Getting help is the usual exchange experience, slow and templated. Fine when nothing’s wrong but I worry about the day something is
EEA only and some exclusions
Live in Iceland or Liechtenstein? Excluded. It’s EU plus Norway only. Narrow availability and confusing exclusions. Check before you get excited
Cashback needs VIP for good rates
To get above 2% you need OKX VIP trading tiers. So unless you trade heavily on the exchange you’re stuck at the capped base rate. Trader focused
About the product
OKX Card overview
OKX Card is a debit crypto card from the OKX exchange that spends digital assets held in your exchange account. At checkout the crypto is converted into fiat automatically, and you can choose which balance the funds come from.
Key terms
- Card type: Debit Mastercard
- Supported currencies: USDT, USDC, BTC, ETH; and other assets available on OKX
- Where it works: EEA countries
- Fees: free issuance and maintenance; conversion at OKX internal rate; ATM withdrawal fees may apply
- Cashback: up to 2%; depends on the user tier
Key features
The card plugs into the OKX ecosystem and runs on Mastercard, so it works wherever that network is accepted. It supports Apple Pay and Google Pay and appears inside the OKX app; access is granted after verification, while limits and terms can depend on your country of residence and account tier.
How to get the card
- Create an account on OKX and pass verification (KYC).
- Apply for the card in the Card section.
- Fund your exchange balance with a supported asset and add the card to Apple Pay or Google Pay.
Frequently asked questions
It is a debit Mastercard linked to your balance in the service. At checkout the crypto is converted into fiat and the transaction is routed through the Mastercard network, so the card works anywhere that payment system is accepted.
The stated coverage is EEA countries. The exact country list and local restrictions are set by the issuer, so check the terms for your country of residence before applying.
Yes, in most cases you need to register and pass KYC with an ID document. Some issuers also ask you to confirm a residential address in a supported region.
The baseline terms are: free issuance and maintenance; conversion at OKX internal rate; ATM withdrawal fees may apply. On top of that, factor in the conversion rate, ATM fees and any charges from the payment partner — the issuer always publishes the current pricing.
In most cases yes: the card can be added to a mobile wallet for contactless payments. Availability depends on your country and the payment partner's rules.