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Comparing Plutus Card and OKX Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
OKX scores 4.2/5 on Sweepbase vs 3.4/5 for Plutus. That gap shows up mostly in fees and feature coverage.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual only |
| Network | Visa Debit | Mastercard Debit |
| Custody | Custodial | Custodial |
| Costs | ||
| Issuance fee | GBP 9.99 physical card (optional) | Free |
| Annual fee | GBP 6.99/mo (Starter), GBP 9.99/mo (Everyday), GBP 19.99/mo (Premium) | Free |
| FX fee | 2.5% FX fee on foreign currency transactions | 0.1% conversion spread (official docs); no transaction or FX fees |
| Rewards | ||
| Cashback | 3% (Tiers, cap GBP 250/mo) | 2-4% (VIP tiers) |
| Yield on spendable balance | NoThe issuer pays yield, but in a separate product | Yes |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | Yes (Apple Pay; Google Pay) |
| Bank account in your name | IBAN yes (Netherlands EUR IBAN), SEPA yes, UK sort code/acct; SWIFT not disclosed | SEPA via MiCA/PSD2 Malta PI license (EU); IBAN not explicitly confirmed per user |
| Daily spend limit | Based on tier (£250-£22000/month for 3% rate) | Based on verification and tier |
| ATM withdrawal limit | €300/day, 1% + €1.35 fee per withdrawal | Not available (virtual card only) |
| Top-up methods | GBP fiat deposits from UK bank account | USDC, USDG stablecoins from OKX Pay account |
| Regions | UK and EEA only | EEA + Brazil |
| Behind the card | ||
| Card issuer | Modulr FS Limited — UK (FCA FRN 900573); EEA via Modulr Finance B.V. (DNB R182870)Named in the card terms | Monavate Limited + UAB Monavate — UK (FCA 901097) + Lithuania (Bank of Lithuania)Named in the card terms |
| Our read | ||
| Strengths |
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| Trade-offs |
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| Get Plutus Card | Get OKX Card | |
OKX Card is the better card here. OKX also lets you earn yield on your deposits, something Plutus doesn't offer. Zero fixed costs give OKX a cost advantage from day one. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Plutus may be better if you need broader regional coverage.
In short: OKX Card (4.2/5) is the stronger option for most people compared to Plutus Card (3.4/5).
