OKX Money

Quick Summary

Key Features

• Virtual + physical Mastercard
• Zero foreign-exchange fees
• Up to 10% APY on USDG balances
• 10% cashback option on qualifying purchases

Main Advantages

• 10.0% cashback on eligible spend
• Multi-region availability (4 regions)
• Both virtual and physical card options

Notable Limitations

• Recurring fee: unverified
• Terms change often — the provider's live numbers are final

The cards

Every format OKX Money issues — pick the one that fits how you spend.

1Can I get this card?

Supported Countries Map — powered by our availability data.

OKX Money: Reported in 53 countries across 4 regions (Middle East, Africa, Asia-Pacific, Latin America).

Coverage reported by the provider — the exact applicant list is confirmed in-app.

2What does it cost?

Every fee we could verify for the OKX Money card.

Fees verified October 13, 2026 from public web sources. Fees change often — always confirm the app's live numbers before signing up. This page is for information only, not financial advice.

Fee	OKX Money Virtual	OKX Money Physical
Issuance fee	unverified	unverified
Monthly fee	unverified	unverified
FX fee	Varies by region — confirm in-app	Varies by region — confirm in-app

3What do I get?

Perks, rewards and capabilities that come with the card.

Category	Benefit
Rewards	10.0% cashback on eligible spend
Card options	Virtual + physical Mastercard
Spending & FX	Zero foreign-exchange fees
Perks	Up to 10% APY on USDG balances
Rewards	10% cashback option on qualifying purchases

4What do they need from me?

What you will have to provide or meet to get and use the card.

Requirement	What it means
Identity check	ID verification required — verify your identity in the app before ordering
Funding	You will need a way to load the card: 50+ local currencies, bank transfer, crypto deposit
Age	You must be 18 or older to apply

What is OKX Money?

OKX Money is a new stablecoin-first money app from OKX, one of the world's largest cryptocurrency exchanges, launched in October 2026. Rather than being a side feature of the exchange, it is positioned as a full spending account: you hold balances in USDG, USDC, and USDT, those balances can earn up to 10% APY, and you spend them anywhere Mastercard is accepted through a linked virtual or physical card.

The pitch is aimed squarely at people who live between currencies. Freelancers billing clients abroad, remote workers paid in stablecoins, frequent travelers, and international online shoppers all face the same friction: converting money across borders usually costs 2–4% in hidden FX markups. OKX Money attacks that directly with 0% FX fees across more than 50 local currencies, plus cashback of up to 10% through a tiered loyalty program — numbers that, if they hold up in practice, make it one of the most aggressive new entrants in the virtual card space.

There are caveats, and they matter. OKX Money is brand new — it launched this month — so teething issues are likely as the product scales. The card issuance fee is not published anywhere in public materials, and availability is still rolling out market by market. This review covers what is publicly known as of October 13, 2026, but the single most important step before signing up is checking the app's live numbers for your country.

Card types offered

OKX Money offers both a virtual and a physical Mastercard, both drawing from the same stablecoin balance in the app. The virtual card is the workhorse for most users: it is issued inside the app, typically within minutes, and is designed for online spending — e-commerce checkouts, subscriptions, digital services, and ad platforms. Because it is virtual, you can usually freeze and unfreeze it instantly, set spending limits, and replace the card number if it is ever compromised, without waiting for a plastic card in the mail.

The physical Mastercard covers the other half of daily life: in-store purchases, restaurants, travel, and ATM withdrawals where a plastic card or tap-to-pay is required. Both cards sit on top of multi-currency balances spanning 50+ local currencies, so when you spend abroad the conversion happens at real rates with no markup — the 0% FX fee is arguably the product's headline feature.

Wallet integration is part of the package: cards can be added to Apple Pay and Google Pay for contactless spending from your phone. A tiered loyalty program sits above everything, boosting your cashback rate based on your activity and balances. The higher your tier, the closer you get to the advertised 10% cashback ceiling — light users should expect a lower effective rate, so treat "up to 10%" as a maximum, not a promise.

Fees explained

OKX Money's fee story is a mix of genuinely excellent headline numbers and one notable gap. Here is the breakdown as publicly reported.

Card issuance fee

The card issuance fee is not published in any public source we could find. This is the biggest open question in the review: you will need to check the app's live numbers before ordering. Launch-period promotions sometimes waive issuance fees for early users, but do not assume that — verify the exact figure shown in the app for your market.

Monthly fee

The monthly fee is reported as $0. There is no subscription charge simply to keep the card active, which puts OKX Money ahead of several competitors that charge $1 or more per month for the privilege of holding a card.

FX / conversion fee

The FX fee is 0%. This is the standout feature: spend across 50+ local currencies at real exchange rates with no conversion markup. For comparison, most virtual card platforms charge 1–3.5% on foreign transactions, and some regional wallets charge far more. If you regularly spend in currencies other than your own, this alone can justify the product.

Top-up fees

Funding the app with stablecoins (USDC, USDT, USDG) costs only the blockchain network fee for your deposit — typically small on networks like Solana or Tron, higher on Ethereum mainnet. Local-currency on-ramps (bank transfer or debit card, where supported) may carry provider fees that vary by market and method; the app should disclose these before you confirm a top-up. One mitigating factor: idle stablecoin balances earn up to 10% APY, so money parked in the app can grow while it waits to be spent.

ATM fees

ATM withdrawal fees are not published in public materials. If you plan to withdraw cash regularly, check the in-app fee schedule for your market — some card programs pass through the ATM operator's surcharge plus their own fee, which can add up quickly.

How to get an OKX Money card

Getting started follows the standard flow for a regulated money app with card issuance. The exact steps may vary slightly by market:

1. Check availability. OKX Money is rolling out market by market in a first wave. Confirm your country is supported before investing time in setup.
2. Download the OKX Money app. This is a separate app from the main OKX exchange app — make sure you install the right one.
3. Create your account with an email address or phone number and secure it with two-factor authentication.
4. Complete identity verification (KYC). Card products require it: typically a government-issued ID and a selfie. Approval can take minutes or a few days depending on your market.
5. Fund your balance. Deposit USDC, USDT, or USDG from another wallet or exchange, or use a local-currency on-ramp (bank transfer or debit card) where supported.
6. Request your virtual Mastercard in the app's Cards section. Issuance is usually completed within minutes of approval.
7. Review the live fee screen before your first spend — especially the issuance fee, which is not published publicly — then add the card to Apple Pay or Google Pay and order a physical card if one is offered in your market.

Top-up methods

OKX Money supports two funding rails. The native rail is stablecoin deposits: send USDC, USDT, or USDG from any external wallet or exchange to your in-app deposit address. This is the cheapest route — you pay only the blockchain network fee — and it is instant once the transaction confirms. It also suits anyone already earning in crypto: freelancers paid in USDT can move funds straight into spendable balance without an off-ramp.

The second rail is local-currency on-ramps in participating markets: fund via bank transfer or debit card in your local currency, with the app handling conversion into your stablecoin balance. Fees and limits for on-ramps vary by market and provider, so compare the all-in cost against simply depositing stablecoins you already hold. There are no reported minimum top-up amounts, and because balances earn up to 10% APY, money you park in the app keeps working until you spend it.

Availability

OKX Money is launching across participating markets globally in a first wave, with availability expanding over time. As with any licensed money product, the exact feature set — card issuance, physical card delivery, local on-ramps, APY availability — varies by country because of local regulation. Some markets may see a waitlist or phased rollout. Identity verification requirements also depend on your country of residence and nationality. The reliable move is to check the app or the official site for your specific market rather than relying on launch announcements, which describe the global ambition rather than your local reality.

Card specs

Feature	OKX Money
Virtual card issuance	unverified
Monthly / annual fee	unverified
Card network	Mastercard
Card type	Virtual + Physical
KYC	ID verification required
Top-up methods	50+ local currencies, bank transfer, crypto deposit
Supported assets	—
Regions	Middle East, Africa, Asia-Pacific, Latin America

Rating breakdown

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