Paying with the OKX Card in the EEA: Complete Guide and Features

The OKX Card is revolutionizing the way you spend your cryptocurrencies daily within the European Economic Area. Designed to merge the stablecoin universe with traditional payment infrastructure, this virtual card offers crypto-native users a simple and regulated solution for seamless transactions without technical complications. Available in most EEA countries, it responds to the growing demand for payment tools that directly integrate digital assets.

What is the OKX Card and why a dedicated product for the EEA?

The OKX Card is a payment solution powered by stablecoins, allowing EEA residents to pay at participating merchants within the Mastercard network. Unlike traditional methods, it removes barriers between the crypto world and everyday payments: no more manual conversions, preloads, or third-party apps. Users keep their stablecoins (USDC and USDG) in their OKX Pay account and spend directly during online or in-store transactions.

The OKX Card aligns with the goal of democratizing digital assets in Europe. Having obtained a MiCA license, it operates in accordance with European regulatory standards, providing legal security and transparency for EEA users.

How it works: simple and secure technology

When you make a payment with the OKX Card, the process occurs in three steps. First, your stablecoin is deducted from your OKX Pay smart wallet. Then, an instant conversion transforms this stablecoin into euros (or another local currency). Finally, the amount is processed via the Mastercard network, and the merchant receives their payment in fiat currency.

From the merchant’s perspective, this transaction is identical to a standard card payment: no difference in experience. For you, however, you retain ownership of your digital assets until the exact moment of payment. The smart wallet ensures your funds remain under your control, eliminating risks associated with pre-deposits.

Currently, accepted stablecoins are USDC and USDG. The system operates on a decentralized architecture, offering greater autonomy and security compared to traditional financing solutions.

Transparent pricing and fee structure

OKX applies a simple and predictable fee policy for the Card. No transaction fees are charged whether you pay in euros or another currency. Additionally, no extra FX fees: the rates offered are those of the Mastercard network, with no markup from OKX.

The only charge occurs during the stablecoin-to-fiat conversion: a 0.4% spread reflects standard market mechanisms and is not a specific card fee. No issuance, monthly, annual, or dormant fees are added to your usage.

Important: The OKX Card is currently offered as a virtual card only. It can be integrated with Apple Pay or Google Pay on compatible devices for seamless use.

Cashback program and VIP benefits

During its launch phase, the OKX Card offers attractive promotional cashback deals on purchases made in USDG. Cashback is credited instantly in crypto—no staking or fund locking required.

In the first 30 days after activation, users can earn up to a 20% cashback, subject to monthly caps and your user level. After this promotional period, rates vary based on your OKX VIP status:

• VIP users: ongoing cashback with defined monthly limits
• Standard users: limited access outside promotional periods

Note: cashback conditions, rates, and caps may change. It’s recommended to check current terms before each use.

Coverage areas and access conditions

The OKX Card is available to residents in the European Union and Norway, covering the entire EEA except Iceland and Liechtenstein. It is aimed at users already familiar with stablecoins and on-chain protocols but remains intuitive for newcomers.

No complex prerequisites: simply reside in an eligible area, have an active OKX account, and hold stablecoins in OKX Pay. The card operates under a MiCA license, ensuring regulatory compliance and user protection according to European standards.

Getting started with your OKX Card

Easy activation: open the OKX app, activate your virtual card, and fund your OKX Pay account with supported stablecoins (USDC or USDG).

Immediate use: once activated, use your card for online and in-store payments wherever Mastercard is accepted—no additional setup needed.

Multi-device integration: add your card to Apple Pay or Google Pay for a smooth payment experience on smartphones or smartwatches.

No manual conversions, no preloads, no separate app: everything works seamlessly.

Conclusion

The OKX Card embodies the convergence of crypto innovation and European payment standards. Combining transparent fee structures, automated conversions, promotional rewards, and legal compliance via MiCA, it provides a practical solution for EEA residents wanting to use their stablecoins without operational friction. Designed for both seasoned crypto users and newcomers, the OKX Card simplifies access to digital assets within the existing European payment ecosystem.