Card database / Mastercard / Visa / Stablecoin payment card

OKX Card / OKX Pay

Updated: Sep 16, 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
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: USDTUSDC
Last updated: Sep 16, 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: Nassau, Bahamas
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.

Usage scale & trends

Usage data is not available for this card yet. It will appear here when 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

	OOKX Card EEA Mastercard	OOKX Card Singapore Visa	OOKX Card Global / Regional Virtual Card	OOKX Card (Brazil)
Card form	Virtual card	Virtual card	Virtual card	Virtual 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 language support

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

EstoniaEEHungaryHUPortugalPTSwedenSEIrelandIECroatiaHRBrazilBRBelgiumBEPolandPLFinlandFILuxembourgLUSingaporeSGGreeceGRSlovakiaSKRomaniaROArgentinaARGermanyDECzechiaCZSloveniaSICyprusCYAustriaATItalyITSpainESLithuaniaLTDenmarkDKBulgariaBGLatviaLVMaltaMTNorwayNONetherlandsNLFranceFR

Evidence: Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

AfghanistanAFCubaCUNorth KoreaKPIranIRSyriaSYCanadaCAJapanJPAustraliaAUNepalNPIcelandISUnited Arab EmiratesAEChinaCNUzbekistanUZUnited StatesUSIndiaINBahamasBSLiechtensteinLIMalaysiaMY

Evidence: Officially restricted

Unconfirmed regions

Evidence is insufficient

No records

Evidence: Public sources

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，The U.S. card program is still listed as coming soon, so residents cannot currently obtain the card, while an OKX Card issued in a supported market can be used for permitted purchases in the United States.

2. United Kingdom：Cannot apply，Can use，The UK card page remains at the waitlist stage, so UK residents cannot currently obtain the card, while an eligible card issued elsewhere can be used in the United Kingdom.

3. Canada：Cannot apply，Can use，Canada is outside the currently confirmed OKX Card issuance markets, but a card issued to an eligible user in a supported market can be used in Canada.

4. Australia：Can apply，Can use，The Australian program is open specifically to Australian residents who complete the required OKX identity verification before obtaining the virtual card.

5. South Africa：Cannot apply，Can use，South Africa is outside the currently confirmed card-issuance markets, while an eligible OKX Card issued elsewhere can be used for permitted purchases locally.

6. New Zealand：Cannot apply，Can use，New Zealand is not currently a confirmed OKX Card issuance market, but an eligible card issued in a supported jurisdiction can be used there.

7. Ireland：Can apply，Can use，Ireland is covered by the EU issuance program, and residents can apply after completing OKX identity verification and the required residency checks.

Updated: Sep 16, 2026

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

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

Review

Read the editorial review, its verdict and latest update.

No review yet

No review has been published for this card. Published reviews appear here.

User reviews

Showing 10 approved reviews matched to this card

Newest first

Jamilu Gambogoogle_play★ 5 / 5Sep 23, 2026

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

good

View original

Mahmud Awelgoogle_play★ 5 / 5Sep 23, 2026

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

nice

View original

Sani Adamgoogle_play★ 5 / 5Sep 23, 2026

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

this is the best exchanger 💯💪 an it's very easy to use 🥰

View original

Jihad Ahmedgoogle_play★ 5 / 5Sep 22, 2026

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

one of the best out there

Official reply

Hi, we apologize for the bad experience that you had. Please elaborate on your issue, and submit a ticket or send an email to support@okx.com enclosed with a screenshot so that we can better assist you with your request.

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Hyunzeegoogle_play★ 1 / 5Sep 22, 2026

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

I am having troubles with installing the app in my phone. It says developer this, play store that, and I'm confused, l can't seem to verify my documentation. For more useful information, I use a Huawei pura 80 pro.

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Israel Merida - Nutricionistagoogle_play★ 1 / 5Sep 22, 2026

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

it's frustrating. Asked for help in last 25 days 6 times with no solution to this day. Unable to post new adds or modify old ones in p2p. I'm super merchant since feb 2024. Why You waste money in advertisement if your CS cannot solve this simple issue?

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Raphael Anselmgoogle_play★ 5 / 5Sep 21, 2026

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

Very Good

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Filipe Governagoogle_play★ 3 / 5Sep 21, 2026

OKX: Buy Bitcoin BTC & Crypto Google Play review - 3 star

Poor UX, several options were missing until I folded my phone and used the outside screen. Only let me buy 30.03 EUR worth of USDG with my 30.04 EUR. Otherwise good. Good cashback (2% + 2% bonus for 1 month).

Official reply

Hi there! Thank you for taking the time to review our app. We're sorry to hear that your experience may not have met your expectations. Please connect with us through live chat at https://www.okx.com/help so we can better understand and resolve your concerns.

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Charalambos Michaelidesgoogle_play★ 2 / 5Sep 21, 2026

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

App was working fine until recently. Now i want to transfer out funds and it freezes on a verification process.

Official reply

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Mohammed Aminu Tijjanigoogle_play★ 1 / 5Sep 20, 2026

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

Having a very bad experience because today is the 10th time that I tried updating the app and after exhausting my data it stops without installing the software.

Official reply

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Risk factors

Updated: Jul 30, 2026

No risk factors are available

Compare OKX Card / OKX Pay

Frequently asked questions

Answers drawn from the published record on this page.

Does OKX Card / OKX Pay require KYC?

Our record lists the OKX Card / OKX Pay verification requirement as: Full KYC. Document and review details are in the KYC section of this page.

Does OKX Card / OKX Pay support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up OKX Card / OKX Pay with?

Our record lists OKX Card / OKX Pay support for: USDT and USDC.

Is OKX Card / OKX Pay a virtual or a physical card?

OKX Card / OKX Pay is offered as: Virtual card.

Where is OKX Card / OKX Pay available?

Our record lists 31 countries or regions as available and 18 as restricted. Country-by-country status is in the regions section of this page.

Who issues OKX Card / OKX Pay?

OKX Card / OKX Pay is operated by OKX on the Mastercard / Visa network.