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OOKX Card / OKX Pay logo

OKX Card / OKX Pay

Updated: Jul 30, 2026

The OKX Card is a virtual crypto payment card connected to OKX Pay and uses the Mastercard or Visa network depending on the issuing region. Users can directly spend USDT, USDC, or USDG balances held in OKX Pay, with stablecoins automatically converted into the settlement currency at the time of the transaction. The card can be used for online shopping and subscriptions and added to Apple Pay or Google Pay for contactless payments. Issuers, supported assets, cashback, and eligibility vary by region.
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Card network
Mastercard / Visa
Product type
Stablecoin payment card
Card form
Virtual card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
70-79
Supported assets
USDT / USDC
Last updated
Jul 30, 2026

Official and company information

Issuer identity and company credentials

OKX, founded in 2017, is a top-tier cryptocurrency exchange and Web3 technology pioneer ranked among the best globally in trading volume, liquidity, and overall strength. The platform provides secure and stable spot, derivatives, and structured wealth management services to tens of millions of users worldwide, and has become an industry leader in the decentralized ecosystem (DeFi, NFT, DApp, inscription markets, etc.) through its innovative OKX Web3 Wallet. The platform fully implements strict Merkle tree Proof of Reserves (PoR) with monthly disclosures, ensuring the absolute safety of user assets with a transparent reserve ratio above 100%.
Visit website Application page
Company / issuer
OKX
Legal name
Auxilia Limited
Registered region
Bahamas (BS)
Headquarters
Original巴哈马拿骚
Company type
Crypto exchange
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

OKX Pay is a stablecoin payment account built into the OKX app. After completing identity verification and wallet setup, users can receive, send, and hold supported stablecoins. OKX Card deducts funds directly from the Pay balance, without requiring users to transfer funds to a separate card account in advance. When a merchant initiates a transaction, the card network first completes fiat settlement, after which OKX converts stablecoins into the settlement currency according to regional rules. The product is available only as a virtual card. In-person payments rely on Apple Pay or Google Pay, and no physical card, ATM withdrawal, or cash advance is available. The European Economic Area, Brazil, Singapore, Australia, and Global versions are issued by different licensed institutions, and their fees, cashback eligibility, and supported stablecoins vary. Gambling, remittance, quasi-cash, and some e-wallet top-up transactions may be declined.
Mastercard / Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Drag or swipe anywhere in the table to view every card; labels stay fixed

OKX Card EEA Mastercard
OKX Card Singapore Visa
OKX Card Global / Regional Virtual Card
OKX Card (Brazil)
Card formVirtual cardVirtual cardVirtual cardVirtual card
Fees
Monthly fee
Free
No monthly account fee
Free
No monthly or annual fees
Free
No ongoing account fees
Free
No monthly or annual fees
Card issuance fee
Free
Free issuance
Free
Free issuance
Free
Issued instantly
Free
Free issuance
ATM fee————
Foreign exchange fee
0.1%
0% foreign exchange fee plus 0.10% spread, settled at market rate
0.1%
0%–0.10%, depending on stablecoin and currency
0.1%
Additionally subject to the Mastercard exchange rate
Free
Based on the Mastercard exchange rate.
Top-up fee————
Failed transaction fee————
Rewards
Cashback—
20 USD
Up to 20 USD per month, rebate on designated subscription services
——
Crypto cashback
2%
2%–10% cashback only on USDG spending
10%
2%–10% in USDG, only for accredited investors
0%
Issued based on eligibility; rates as shown in the app
2%
Only on USDG spending, range 2%–10%
Staking rewards————
Staking APR————
Welcome bonus————
Referral bonus————
Limits
Daily spending limit
Unlimited
No fixed limit; subject to balance and risk controls
Unlimited
No fixed limit; subject to balance and risk controls
—
Unlimited
Subject to balance and risk controls
Monthly spending limit————
ATM withdrawal limit————
Card network
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Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and China applicability

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

31
EstoniaEEHungaryHUPortugalPTSwedenSEIrelandIECroatiaHRBrazilBRBelgiumBEPolandPLFinlandFILuxembourgLUSingaporeSGGreeceGRSlovakiaSKRomaniaROArgentinaARGermanyDECzechiaCZSloveniaSICyprusCYAustriaATItalyITSpainESLithuaniaLTDenmarkDKBulgariaBGLatviaLVMaltaMTNorwayNONetherlandsNLFranceFR
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

18
AfghanistanAFCubaCUNorth KoreaKPIranIRSyriaSYCanadaCAJapanJPAustraliaAUNepalNPIcelandISUnited Arab EmiratesAEChinaCNUzbekistanUZUnited StatesUSIndiaINBahamasBSLiechtensteinLIMalaysiaMY
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

China applicability

The source text is retained below.

Original

1、中国大陆：不可申请 OKX Card；境外已发行卡可在支持 Visa 或 Mastercard 的线上商户使用，境内移动钱包及部分商户受理受限。

2、香港：可申请 Global 版本，但须在应用内显示卡片入口并通过地区资格审核；已发行卡可用于线上及移动钱包非接触支付。

3、澳门：可申请 Global 版本，但须通过应用内地区和账户资格审核；已发行卡可在接受 Visa 或 Mastercard 的商户使用。

4、台湾：可申请 Global 版本，但须在应用内获得申请资格并完成完整验证；已发行卡支持线上消费及移动钱包付款。

Updated: Jul 30, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / Government-issued ID / Driver's license

Review time / regional limits

Automated review can be completed within tens of seconds; manual or supplementary document review may take up to about 24 hours.

KYC provider

Not disclosed

Updated

Jul 30, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview13 scenarios
Supported10
Not supported3
UpdatedJul 30, 2026

Wallet payments

Alipay

Not supported

Jul 30, 2026

Wallet payments

Apple Pay

Supported

Jul 16, 2026

Wallet payments

Apple Pay

Supported

Jul 30, 2026

Cash services

ATM withdrawal

Not supported

Jul 30, 2026

AI tools

ChatGPT

Supported

Jul 30, 2026

AI tools

Claude

Supported

Jul 30, 2026

Wallet payments

Google Pay

Supported

Jul 30, 2026

AI tools

Midjourney

Supported

Jul 30, 2026

In-person payments

Offline POS

Supported

Jul 30, 2026

Online shopping

Online shopping

Supported

Jul 30, 2026

Wallet payments

PayPal

Supported

Jul 30, 2026

Subscriptions

Subscription payment

Supported

Jul 30, 2026

Wallet payments

WeChat Pay

Not supported

Jul 30, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
Rachel Bakertrustpilot★ 5 / 5

Trading engine stays stable even during…

Trading engine stays stable even during volatile market movements. Placing stop-limit orders is seamless, and bridging tokens to Web3 wallets works smoothly.
View original
Fletcher Scotttrustpilot★ 5 / 5

Order execution is fast and the…

Order execution is fast and the interface holds up well during sudden market swings. Switching between spot trading, decentralized Web3 features, and staking options is seamless on the app.
View original
Arsal Rehmangoogle_play★ 5 / 5

OKX: Buy Bitcoin BTC & Crypto Google Play review - 5 star

good app
View original
kevin李洛app_store★ 1 / 5

这次更新很让人失望

限价单的根据市值挂单的选项没了，平时很习惯那么用，现在交易越来越麻烦了，真是一次失败的更新
View original
Rhetttrustpilot★ 3 / 5

The liquidity in the order book is even…

The liquidity in the order book is even impressive for bigger trade sizes. In the event of volatile market spikes, the web interface and mobile application are responsive, and assets can be withdrawn quickly.
Official reply
Hello! Thank you for your positive feedback 🌟 and for bringing this issue to our attention ❤️ We are always ready to help. If you haven't yet contacted support, please visit: http://www.okx.com/help.
View original
Jan Śmiarowskitrustpilot★ 1 / 5

OKX to największe BADZIEWIE z jakim mam do…

OKX to największe badziewie z jakim mam do czynienia przez 57 lat mojego życia!!!! Od 40 lat używam technologii, komputerów, telefonów, smartphonów i wszystkiego co jest z tym związane. Od 2 tygodni nie mam dostępu do mojego konta na OKX i moich pieniędzy... Gdyby się dało to bym dał -5. Fatalne oprogramowanie. Mnóstwo błędów. I tragiczna obsługa klienta...
View original
Jeffreytrustpilot★ 3 / 5

The trading platform does not freeze up…

The trading platform does not freeze up during sudden spikes in volume. Placing orders is almost immediate, and transferring funds to Web3 tools or staking pools is just a couple of taps away.
Official reply
Hi there, we're thrilled to hear you had a good experience! 🌟 We noticed the rating seems a bit low compared to your positive review. If there's any aspect of our service that didn't meet your expectations, please feel free to connect with us via our live chat at https://www.okx.com/help .
View original
MD FERDOUS ALAMgoogle_play★ 2 / 5

OKX: Buy Bitcoin BTC & Crypto Google Play review - 2 star

When I'm adding balance from my exchange balance to my card, I get a message saying $100 pending. That message can't be removed anymore.You have to close the application again and start over.This is very disappointing.
View original
Alex Ggoogle_play★ 1 / 5

OKX: Buy Bitcoin BTC & Crypto Google Play review - 1 star

I just wanted to make 1 small bitcoin payment, and it's like 40 steps to make an account.
View original
AUGUSTIN “alMic” Pogargoogle_play★ 1 / 5

OKX: Buy Bitcoin BTC & Crypto Google Play review - 1 star

it's a joke
View original

Risk factors

Updated: Jul 30, 2026

No risk factors are available