OKX fees 2026: trading, withdrawal and OKX EU fees explained
OKX fees for EU residents: 0.08%/0.10% spot fees only with an X-Perps account, otherwise 0.20%/0.35%. Free SEPA transfers, 1.99% card buys, euro examples.
OKX fees for EU residents depend on one switch: whether you have opened an X-Perps derivatives account. With X-Perps, spot trading costs 0.08% maker and 0.10% taker; without it, you pay 0.20% maker and 0.35% taker. Euro deposits and withdrawals by SEPA are free, card purchases cost 1.99%, and a bitcoin withdrawal starts from 0.000015 BTC. We checked every figure on OKX’s EEA fee pages on 23 October 2026.
OKX fees in 30 seconds
Most EU users pay 0.35% on a market order and 0.20% on a limit order, because the lower rates need an X-Perps account. Funding your account by SEPA costs nothing, so a €1,000 market buy costs €3.50 in trading fees, or €1.00 with X-Perps.
| Cost | OKX Europe (checked 23 October 2026) |
|---|---|
| Spot maker fee | 0.20% (0.08% with X-Perps) |
| Spot taker fee | 0.35% (0.10% with X-Perps) |
| Convert (simple swaps) | Zero trading fees advertised; spread not published |
| X-Perps futures | 0.02% maker / 0.05% taker (regular tier) |
| SEPA deposit | Free (your bank may charge) |
| Card purchase | 1.99% for EUR (Visa/Mastercard) |
| SEPA withdrawal | Free (your bank may charge) |
| BTC withdrawal | From 0.000015 BTC on the Bitcoin network |
| Fee discounts | VIP tiers by total assets (from €100,001) or 30-day volume; no OKB discount in the EEA table |
The catch is that the cheapest spot fees are tied to a derivatives account. If you only buy crypto now and then, the 0.20% and 0.35% rates are the ones to compare.
OKX EU fees: who you pay and why the rates differ
EU residents trade with OKX Europe Limited, which has held a MiCA authorisation from the MFSA in Malta since 27 January 2025 and passports it to the Netherlands, Germany, Belgium, Ireland and the rest of the EEA. That is why OKX EU fees come from a separate EEA fee schedule, not from the global fee table many websites quote.
The EEA fee page (updated 3 September 2026) splits spot users into two groups. If you have opened an X-Perps account, the MiFID-regulated futures product OKX launched in April 2026, you pay the low rates. If you haven’t, you pay 0.20% and 0.35%. A MiCA licence means a regulator supervises how OKX Europe holds your crypto; it is not a guarantee, and crypto isn’t covered by investor compensation schemes. Our OKX review covers the licence and the group’s 2025 fines in detail.
How OKX trading fees work: maker and taker
OKX charges a maker fee when your order adds liquidity to the order book and a taker fee when it removes liquidity. A limit order that waits below the current price is a maker order; a market order, or a limit order that can execute immediately against existing orders, is a taker order and pays the higher rate.
Spot trading fees with and without X-Perps
These are the OKX spot trading fees at the base tier for EEA accounts:
| Account type | Maker fee | Taker fee | €1,000 as maker | €1,000 as taker |
|---|---|---|---|---|
| Spot only (no X-Perps) | 0.20% | 0.35% | €2.00 | €3.50 |
| With an X-Perps account | 0.08% | 0.10% | €0.80 | €1.00 |
The fee applies to the value of each trade, on buys and on sells. Some trading pairs, such as USDC-EUR, carry zero fees according to the EEA fee table. Check the pair you want before you trade, because fees can vary depending on the market.
Fee tier and VIP status
OKX lowers its trading fees through VIP tiers once your account assets pass €100,000 (from €100,001) or your 30-day trading volume grows high enough. These different tiers mainly help high volume traders; someone investing €100 to €1,000 at a time stays at the base tier. Your current fee tier shows in your account, and it is worth checking before a large order.
Holding OKB, OKX’s native token, gives no discount in the EEA fee table, so fee discounts in the EU come only from VIP tiers and zero-fee pairs. Referral codes and sign-up rebates are promotions with their own terms and are not part of the published EEA fee schedule, so we leave them out of our sums.
OKX futures fees: X-Perps and the funding rate
X-Perps futures fees are 0.02% maker and 0.05% taker at the regular tier, charged on the full position value, not on the margin you put up. X-Perps are MiFID-regulated futures with a five-year expiry and up to 10x leverage for EEA clients.
Here is a worked example of futures trading on OKX. You put up €200 of margin at 10x, so the contract size is €2,000 of bitcoin.
- Opening as a taker costs €2,000 × 0.05% = €1.00, and closing costs another €1.00.
- That €2.00 round trip is 1% of your €200 margin, before any price movement.
- A 5% fall in the bitcoin price loses €100, half your margin. A 10% fall wipes it out, and the position is usually liquidated before that.
Perpetual futures on most exchanges also carry a funding rate: a regular payment between long and short positions. A positive funding rate means longs pay shorts. OKX publishes a separate X-Perps fee overview that covers funding and other costs; we haven’t checked its figures, so read it before you hold a position for long.
Deposit and withdrawal costs at OKX
SEPA deposits and SEPA withdrawals in euros are free at OKX, although your own bank may charge fees. Card purchases cost 1.99% in euros, and crypto withdrawal fees depend on the coin and the blockchain network you pick.
| Payment | Fee |
|---|---|
| SEPA deposit (EUR) | Free |
| Card purchase (EUR, Visa/Mastercard) | 1.99% |
| SEPA withdrawal (EUR) | Free |
| BTC withdrawal, Bitcoin network | From 0.000015 BTC |
| Other crypto withdrawals | Network-dependent; shown before you confirm |
A crypto withdrawal fee mostly covers the network fee (on Ethereum, the gas fee), so it changes with market conditions and network traffic. Before you send coins to an external wallet, pick the network your wallet supports, check the fee on the confirmation screen and send a small test amount first. Euro bank transfers only work for verified EEA residents, and your first withdrawal asks for proof that the bank account is yours.
Worked examples in euros
Here is what OKX fees add up to for realistic amounts, before any price movement.
| Scenario | Without X-Perps | With X-Perps |
|---|---|---|
| €100 simple buy with Convert | No trading fee; spread not published | No trading fee; spread not published |
| €100 market buy after a SEPA deposit | €100 × 0.35% = €0.35 | €100 × 0.10% = €0.10 |
| €100 buy by card | €100 × 1.99% = €1.99 | €100 × 1.99% = €1.99 |
| €1,000 limit order (maker) | €1,000 × 0.20% = €2.00 | €1,000 × 0.08% = €0.80 |
| €100 a month for a year (market orders) | 12 × €0.35 = €4.20 | 12 × €0.10 = €1.20 |
| €100 a month for a year (limit orders) | 12 × €0.20 = €2.40 | 12 × €0.08 = €0.96 |
| Round trip: €1,000 in by SEPA, buy, sell, out by SEPA | €0 + €3.50 + €3.50 + €0 = €7.00 | €0 + €1.00 + €1.00 + €0 = €2.00 |
Two things stand out. Paying by card costs almost six times as much as a market order after a SEPA deposit (€1.99 against €0.35). And for a small monthly buyer, X-Perps saves €3.00 a year on market orders, which is not a good reason to open a derivatives account. On €10,000 of market orders a month the gap is €25 a month, and the sum changes for active traders.
Other costs to check
Trading fees are only part of the cost. Watch for these other costs on OKX:
- Convert spread. Convert advertises zero trading fees, but OKX doesn’t publish the spread built into the quote. Compare the quote with the order book price before you swap.
- Spot margin. OKX offers spot margin up to 10x on BTC and ETH against USDC for EEA users. Borrowed funds carry interest; we haven’t verified the rates.
- Bank and card charges. Your bank or card issuer may charge for transfers or foreign payments, separate from OKX.
- Network fees. These go to the blockchain, not to OKX, and rise when networks are busy.
How to pay less at OKX
The cheapest way to use OKX in the EU is to deposit by SEPA, place limit orders on the spot market, and withdraw rarely.
- Deposit by SEPA, not by card. SEPA is free; a card costs 1.99%.
- Use limit orders. A resting maker order pays 0.20% instead of 0.35% (0.08% instead of 0.10% with X-Perps).
- Compare Convert with the order book. A swap with no trading fee can still cost more through the spread.
- Bundle withdrawals. Each crypto withdrawal pays a network fee, so one larger transfer costs less than several small ones.
- Only open X-Perps if you’ll trade futures. For small spot buys the saving is a few euros a year.
OKX fees compared with licensed alternatives
OKX’s spot fees without X-Perps sit in the middle of the MiCA-licensed exchanges we track. Gate EU and Bitvavo are cheaper per trade, and Kraken is more expensive at the entry tier.
| Exchange (entry tier) | Maker / taker | SEPA deposit | SEPA withdrawal | €1,000 market buy |
|---|---|---|---|---|
| OKX Europe | 0.20% / 0.35% (0.08% / 0.10% with X-Perps) | Free | Free | €3.50 (€1.00) |
| Bitvavo | 0.15% / 0.25% | Free | Free | €2.50 |
| Gate EU | 0.10% / 0.10% | Not published | Not published | €1.00 |
| Kraken | 0.40% / 0.80% | Free | €1 | €8.00 |
- Bitvavo is licensed by the Dutch AFM, charges 0.15% maker and 0.25% taker, and has free SEPA deposits and withdrawals. It suits small euro buys without a derivatives account.
- Gate EU charges 0.10% on both sides, the lowest base rate here, but doesn’t publish its SEPA or card fees. See our Gate fees page and the OKX vs Gate comparison.
- Kraken costs more on spot (0.40% / 0.80%), but its futures fees match X-Perps at 0.02% / 0.05%. Our Kraken fees page has the details.
Who OKX’s fees suit
OKX’s fee structure suits active traders and futures traders who will use an X-Perps account anyway: for them, 0.10% taker fees are among the lowest at a MiCA-licensed exchange. Everyday traders who buy a small amount each month pay 0.35% on market orders and are better served by a simpler, cheaper euro exchange.
How to check your actual OKX fee
Your real fee shows in two places: the EEA fee page and your own order history. Open OKX’s EEA fee schedule, check which tier your account is on and whether X-Perps is active, then compare the fee charged on a recent trade with the rate you expected. Fee pages change often, so check again before a large order. Crypto prices are volatile, and you can lose all the money you put in. For all exchanges side by side, see our guide to crypto exchange fees.
Questions people ask
Does OKX have high fees?
Not for active traders with an X-Perps account: spot trading then costs 0.08% maker and 0.10% taker. Without X-Perps, EU accounts pay 0.20% maker and 0.35% taker, which is more than Bitvavo (0.15%/0.25%) but less than Kraken (0.40%/0.80%).
How much does OKX charge for withdrawal?
SEPA withdrawals in euros are free at OKX, though your bank may charge. Bitcoin withdrawals start from 0.000015 BTC on the Bitcoin network, and fees for other coins depend on the network you choose.
What are OKX trading fees in the EU?
OKX Europe charges 0.20% maker and 0.35% taker on spot trades, or 0.08% maker and 0.10% taker once you have opened an X-Perps account. A €1,000 market buy therefore costs €3.50 or €1.00.
Are OKX futures fees cheaper than spot fees?
Yes, per trade: X-Perps futures cost 0.02% maker and 0.05% taker. But futures fees are charged on the full leveraged position, funding payments can come on top, and most retail traders lose money with leveraged products.
Does holding OKB lower OKX fees in the EU?
No. OKX's EEA fee table shows no OKB discount. EU fees fall through VIP tiers based on total assets from €100,001 or on 30-day trading volume.
Can I withdraw money from OKX to my bank?
Yes. Verified EEA residents can withdraw euros by SEPA for free. Your first withdrawal asks for proof that the bank account is in your name.