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Wirex Card vs OKX Card: 2026 Comparison

Comparing Wirex Card and OKX Card on fees, cashback, custody, and where each card is available.

Some cards on this page link to affiliate partners, and we may earn a commission if you sign up. The comparison verdict comes from our public scoring formula either way. Read our editorial disclosure.

The short version:

These two are close: OKX at 4.2/5, Wirex at 4.1/5. A 0.1-point gap is inside the formula's own rounding, so treat them as level. What moves the score for OKX: no issuance or annual fee, 2-10% cashback (VIP tiers).

Wirex:
OKX:

Side by side

Side-by-side comparison of Wirex Card, OKX Card. Scroll horizontally to see all columns.
Feature

Wirex Card 4.1 out of 5, Sweepbase rating

Get card Wirex Card

OKX Card 4.2 out of 5, Sweepbase rating

Get card OKX Card
Overview
Card typeVirtual + Physical. Base tier gets a virtual card only; a plastic card from PremiumVirtual only
NetworkVisa or Mastercard
The fine print
  • Premium and Elite get a plastic card on either scheme, and Private and Bespoke a metal Visa card
  • The card-based service is provided by Wirex Limited in the EEA, the UK and the rest of the world, and by Novatti Group in Australia and New Zealand
Mastercard Debit
CustodyHybrid: the Wirex One terms say the card authorises "using digital assets held in your Self-Custodial Wallet", while…
The fine print
  • … fiat accounts and IBANs run through "a payment account … made available through regulated third-party service providers"
  • The legacy Wirex App remains fully custodial
Custodial
Costs
Issuance feeNot published: free delivery on Private and Bespoke per the tier matrix
The fine print
  • The help centre refers other tiers to "Card limits and fees" for delivery fees, and that page lists none
 Strength: Free
Annual feeNone. Wirex One charges no subscription; tiers gate on WPAY holdings instead Strength: Free
FX fee Strength: 0% foreign transaction fee on every tier…
The fine print
  • … (fee table: "Foreign transaction fee: Free"; tier matrix: "Foreign Exchange Fee | Free" on all five tiers)
  • The terms add that on non-card-currency transactions "applicable exchange rates (including those set by the relevant card scheme or service providers) and any associated mark-ups or fees will apply", and no markup percentage is disclosed
0.1% conversion spread in the EEA, no transaction or FX fee; Brazil has no FX fee or IOF, and buying stablecoins with BRL costs up to 1.5%
Rewards
Cashback Strength: 0.5-8% (USD, tiered) Strength: 2-10% (VIP tiers)
Yield on spendable balanceNoThe issuer pays yield, but in a separate product Strength: Yes
Access
Apple / Google Pay Strength: Yes (Apple Pay; Google Pay) Strength: Yes (Apple Pay; Google Pay)
Bank account in your name Strength: IBAN yes (personal EUR IBAN); SEPA yes; Faster Payments (GBP) Strength: SEPA via MiCA/PSD2 Malta PI license (EU); IBAN not explicitly confirmed per user
Daily spend limit30,000 EUR per purchase and 30,000 EUR a month on virtual and plastic cards
The fine print
  • Metal 30,000 EUR per purchase and 75,000 EUR a month, raisable on request
  • Limits may vary by region
Based on verification and tier
ATM withdrawal limitLimits only: 750 EUR/day and 5,000 EUR/month on physical and metal cards, virtual N/A (limits may vary by region)
The fine print
  • Wirex's Wirex One page advertises "fee-free ATM withdrawals worldwide", but the help-centre fee table lists no ATM line and no free allowance
  • The widely quoted "free to 200 EUR/month then 2%" still has no primary source
Not available (virtual card only)
Top-up methods40+ crypto and fiat currencies ("instant exchange between 40+ crypto & fiat currencies"), including USDT, USDC, DAI…
The fine print
  • … BTC, ETH, LTC, XRP, XLM, ADA, XTZ, EOS and DOGE, plus SEPA, Faster Payments, ACH, card and stablecoin deposits
USDC or USDG held in OKX Pay (EEA); USDG, USDC or USDT in OKX Pay, bought with BRL if needed (Brazil)
Regions73 countries per Wirex's supported-countries list: all 30 EEA states, the UK, Switzerland, Andorra, Monaco, Gibraltar…
The fine print
  • … Guernsey, Jersey, the Isle of Man, Moldova, Montenegro, Serbia and Ukraine
  • Australia, New Zealand, Hong Kong, Macao, Taiwan, Japan, South Korea, Malaysia, Thailand and the Philippines
  • The United Arab Emirates, Bahrain, Oman, Azerbaijan, Georgia, Kazakhstan and Uzbekistan
  • Ghana, Kenya, Nigeria, South Africa and Uganda
  • Argentina, Brazil, Chile, Colombia, Ecuador, El Salvador, Mexico, Panama and Peru
  • The card is not available in the United States, Canada, Singapore, Russia or mainland China
EEA + Brazil
Behind the card
Card issuerWirex Limited, UK (FCA FRN 902025); Sutton Bank, USA (Ohio); Transact Payments Malta Limited, Malta (MFSA C 91879)Named in the card terms; Sutton Bank is inferredMonavate Limited + UAB Monavate, UK (FCA 901097) + Lithuania (Bank of Lithuania)Named in the card terms
Our read
Strengths
  • FX fee of 0.5% or less
  • Cashback: 0.5-8% (USD, tiered)
  • Apple Pay and Google Pay
  • Bank account in your name
  • Virtual and physical
  • No issuance or annual fee
  • Cashback: 2-10% (VIP tiers)
  • Spendable balance earns
  • Apple Pay and Google Pay
  • Bank account in your name
Trade-offs
  • Issuer holds your funds
  • Issuer holds your funds

Which scores higher

Nothing in the formula favours Wirex over OKX. What the formula cannot see is where you live and what you spend on: if Wirex is sold in your country and OKX is not, that settles it, and the Regions row above is where to check.

Wirex vs OKX: FAQ

OKX Card scores higher on the Sweepbase formula, at 4.2/5. What moves the score: no issuance or annual fee, 2-10% cashback (VIP tiers). The formula does not know where you live or how you spend, so check availability and fees for your own case.

Wirex Card: issuance Not published: free delivery on Private and Bespoke per the…, annual None, 0% foreign transaction fee on every tier… OKX Card: issuance Free, annual Free, 0.1% conversion spread in the EEA, no transaction or FX fee. You can compare total annual cost using our fee calculator.

Wirex Card: 0.5-8% cashback (USD, tiered). OKX Card: 2-10% cashback (VIP tiers). Rates can depend on tier, staking or caps, so check each card's page for the conditions.

Wirex Card: Hybrid custody. OKX Card: Custodial. Each card page quotes how its terms describe who holds the funds.

Wirex Card supports Apple Pay and Google Pay. OKX Card supports Apple Pay and Google Pay.

Wirex Card: 73 countries. OKX Card: EEA + Brazil. Check each card's detail page for the full country list.

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