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Comparison

Bitpanda Card vs. OKX Card: fees, limits & KYC

In short

  • OKX Card has the best score (7.4).
Show

differs best value same for all

Attribute Illustration: Bitpanda Card Bitpanda CardBitpanda OKX Card OKX CardOKX
Overview Requires KYC Private Physical Requires KYC Private Virtual Physical
Score average good
CostsWeight 25 % 4.2 6.4
TrustWeight 20 % 8.9 8.6
KYC and privacyWeight 15 % 6.5 6.5
FeaturesWeight 15 % 6.7 10.0
AvailabilityWeight 10 % 3.4 3.7
RewardsWeight 10 % 6.2 9.5
CommunityWeight 5 % 4.5 4.4
KYC KYC: ID document KYC: ID document
Limits (entry level)
  • Spending per day: 10,000 EUR
  • Spending per week: 70,000 EUR
  • Spending per month: 280,000 EUR
+1
  • Spending per day: no limit
  • Single payment per transaction: no limit
  • ATM per 24 hours: only in the app
Basics
Card formsame for all debit bitpanda.com checked 29 Oct 2026 debit okx.com checked 30 Oct 2026
Card types (differs) physical bitpanda.com checked 29 Oct 2026 Standard: virtual, physical okx.com checked 29 Oct 2026
Card network Visa bitpanda.com checked 29 Oct 2026 Standard: unknown
Custody (differs) custodial bitpanda.com checked 29 Oct 2026 smart wallet my.okx.com checked 29 Oct 2026
Funding modelsame for all converted on spend bitpanda.com checked 29 Oct 2026 converted on spend okx.com checked 30 Oct 2026
Card currencies EUR bitpanda.com checked 29 Oct 2026 Standard: unknown
Usagesame for all personal bitpanda.com checked 29 Oct 2026 personal my.okx.com checked 28 Oct 2026
Issuer / BIN sponsor Transact Payments Malta Limited bitpanda.com checked 29 Oct 2026 Standard: unknown
Limits depend on (differs) – cdn.bitpanda.com checked 30 Oct 2026 account tier okx.com checked 28 Oct 2026
Cards per account unknown unknown
Unknown for allCards per account
Availability
Available in unknown Available in: European Union, Norway okx.com checked 30 Oct 2026
Crypto
Supported assets BTC, ETH, USDC, SOL, BNB, XRP, TRX, DOGE, ADA, LTC, AVAX, LINK bitpanda.com checked 31 Oct 2026
+ 11 more BTCETHUSDCSOLBNBXRPTRXDOGEADALTCAVAXLINKBCHXLMSHIBNEARSUIUNICCHBARHYPETAOZEC
Standard: unknown
Number of supported assets 600 bitpanda.com checked 30 Oct 2026 unknown
Top-up networks not applicable blog.bitpanda.com checked 30 Oct 2026 unknown
Fiat top-up (differs) No blog.bitpanda.com checked 30 Oct 2026 Yes okx.com checked 30 Oct 2026
Payments
Mobile wallets Apple Pay bitpanda.com checked 29 Oct 2026 Standard: unknown
ATM withdrawalssame for all Yes bitpanda.com checked 29 Oct 2026 Yes okx.com checked 28 Oct 2026
Contactlesssame for all Yes bitpanda.com checked 29 Oct 2026 Yes okx.com checked 28 Oct 2026
Fees
Virtual card issuance unknown Standard: unknown
Physical card issuance (differs) 0.00 EUR bitpanda.com checked 29 Oct 2026 not published okx.com checked 28 Oct 2026
Free cards unknown unknown
Shipping (differs) free bitpanda.com checked 29 Oct 2026 only in the app okx.com checked 29 Oct 2026
Monthly fee 0.00 EUR bitpanda.com checked 29 Oct 2026 Standard: unknown
Annual fee unknown Standard: unknown
Top-up fee unknown only in the app okx.com checked 30 Oct 2026
Crypto deposit fee unknown unknown
Crypto conversion fee (differs) 0–2.49 % · Coin tier: stablecoins/Bitcoin/VSN 0.99% (EURCV 0%); other crypto 1.49%; assets below EUR 100m market cap and Spotlight assets 2.49%. cdn.bitpanda.com checked 31 Oct 2026 0.1 % my.okx.com checked 29 Oct 2026
Foreign currency fee 0 % above the network rate bitpanda.com checked 29 Oct 2026 Standard: unknown
FX free allowance unknown unknown
Minimum FX fee unknown unknown
ATM fee (differs) 2 % (min. 2.00 EUR) bitpanda.com checked 29 Oct 2026 only in the app okx.com checked 28 Oct 2026
Transaction fee free (Payments in EUR) blog.bitpanda.com checked 30 Oct 2026 Standard: unknown
Cross-border fee unknown unknown
Withdrawal fee unknown unknown
Activation fee not published bitpanda.com checked 30 Oct 2026 unknown
Account closure feesame for all not published cdn.bitpanda.com checked 31 Oct 2026 not published okx.com checked 31 Oct 2026
Dispute fee (differs) free (Chargeback processing is free; clause 12.3 reserves an investigation fee only if a disputed authorised transaction is proven genuine (amount not stated in the schedule)) cdn.bitpanda.com checked 31 Oct 2026 not published okx.com checked 31 Oct 2026
Minimum top-up not applicable blog.bitpanda.com checked 30 Oct 2026 unknown
Declined payment fee unknown unknown
Refund fee unknown unknown
Inactivity fee unknown 0.00 EUR okx.com checked 30 Oct 2026
Minimum monthly spend unknown unknown
Inactivity rule unknown unknown
Card replacement (differs) 5.90 EUR bitpanda.com checked 29 Oct 2026 not published okx.com checked 30 Oct 2026
Unknown for allFree cards · Crypto deposit fee · FX free allowance · Minimum FX fee · Cross-border fee · Withdrawal fee · Declined payment fee · Refund fee · Minimum monthly spend · Inactivity rule
Rewards
Cashback (differs) 1 % (holding from 0) · in BTC 2–10 % okx.com checked 28 Oct 2026
Referral bonus (invited friend) up to 100 EUR bitpanda.com checked 30 Oct 2026 unknown
Referral bonus (you) up to 100 EUR bitpanda.com checked 30 Oct 2026 unknown
Welcome bonus unknown unknown
Unknown for allWelcome bonus

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