OKX Card vs Wirex
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer too close to call on the weighted score. The decision is your use case: check the bitcoin-flow rows below.
 OKX Card |  Wirex | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | BTC via in-app conversion |
| Lightning funding | no | no |
| BTC sale timing | Not documented | Not documented |
| Fees | ||
| Top-up fee | 0% | 0% |
| FX fee | 0% | 0% |
| Monthly fee | none | none |
| ATM fee | ATM withdrawals not supported - virtual-only card (official pages issue an instant virtual card only; no physical card offered; independent review confirms 'no ATM access at all') | not documented |
| Cashback | 2% in USDG | 8% in USD |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | not documented | 30,000 EUR per transaction and per day (virtual + physical); Metal card 30,000 EUR/transaction, 75,000 EUR/month (monthly cap increasable on request) |
| ATM daily limit | not documented | 750 EUR/day and 5,000 EUR/month (physical + metal card; virtual card N/A). Limits may vary by region. |
| Max load | not documented | not documented |
| Availability | ||
| Regions | APAC, MENA, LATAM, EEA | GLOBAL, EEA, UK, APAC, LATAM |
| Network | Mastercard | Visa |
| Form factor | Virtual | Physical + virtual |
| Apple Pay | yes | yes |
Pick OKX Card if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
Pick Wirex if
- Higher documented cashback (8% vs 2)
- Physical card option
Wirex
The veteran (2014) reinvented as a stablecoin bank: fee-free FX worldwide, multi-currency accounts with 1:1 stablecoin conversion, real Visa/Mastercard principal memberships and an 8% headline cashback. Fee details hide in the help hub, and the El Salvador licensing move makes the regulatory story newer than its brand.
More head-to-heads
OKX Card vs Bitget CardOKX Card vs Xapo BankOKX Card vs Goblin CardOKX Card vs Gemini Credit CardOKX Card vs 2Fiat
Compare any cards
FAQ
Which is better for privacy, OKX Card or Wirex?
OKX Card requires Full KYC, while Wirex requires Full KYC. Lower KYC means less data exposure - and weaker regulatory protection if something goes wrong.
When does my bitcoin get sold on each card?
OKX Card: Not documented. Wirex: Not documented. Sale timing determines your price exposure between loading and spending.
Which is cheaper overall?
Compare the full stack - top-up, FX, monthly, ATM - against your own spending mix in the fee calculator. Headline numbers alone flip with real usage.
Facts checked 2026-09-21 · How we verify