Atomic Wallet vs OKX Comparison
| — | Fees | 0.2 % |
| — | Minimum cost per €1,000 | € 2.00 |
| — | Cryptos | 280+ |
| — | Payment Methods | Deposits: SEPA / SEPA Instant, Easy Transfer, Credit Card and PayPal Express purchases: PayPal, Google Pay, Apple Pay and Credit Card |
| — | Regulation | MiCA licence, MiFID II licence and payment institution (MFSA, Malta) |
Cost comparison
The basis is a Bitcoin purchase worth €1,000, calculated from the disclosed trading fee. A price markup in the spread is not included, because most providers do not publish it.
| — | Minimum cost per €1,000 | € 2.00 |
| — | Fees | 0.2 % |
| — | Wallet transfer | € 1.08 |
| — | Cost transparency | Yes |
| — | Minimum Amount | ~$10 USD |
| — | Payment Methods | Deposits: SEPA / SEPA Instant, Easy Transfer, Credit Card and PayPal Express purchases: PayPal, Google Pay, Apple Pay and Credit Card |
Atomic Wallet is free, with no account and no subscription. Costs arise when you send (network fee) and when you swap. For swaps, the help article (as of 2023) cites a markup, while the product page for the Cosmos wallet speaks of zero Atomic fees; what counts is the amount the app shows before you confirm. Swaps also earn cashback in AWC, Atomic's token.
| Action | Cost at Atomic Wallet |
|---|---|
| Download and use the wallet | free, no account |
| Send and receive crypto | no Atomic fee, network fee only |
| Swap in the app | according to the help article (as of 2023) 0.5% plus the swap partner's commission, according to the Cosmos wallet product page zero Atomic fees; the estimate before the swap counts, plus AWC cashback |
| Buy with a bank card | purchase fee as quoted in the app |
| Staking | network fee for the transfer to your staking address, rewards vary by network |
How to save: if the markup from the help article applies, 0.5% on a 1,000 euro swap costs 5 euros, plus the partner's commission and the network fee. Compare the amount shown with the market price before you confirm. Larger moves are often cheaper on an exchange with a published fee schedule from our exchange comparison.
Tax: in many countries a swap is a disposal, and staking rewards can count as income. A tool from our crypto tax software comparison keeps the records.
Security: keep the twelve words offline, as described in our guide to storing a seed phrase safely, and move larger holdings to a device from our hardware wallet comparison. More wallets are compared in our software wallet comparison.
As of 27 October 2026 according to atomicwallet.io, the help article on fees (updated 11 September 2023), the statement on 3 June 2023 (updated 12 September 2023) and Elliptic’s analysis of 2 August 2023.
OKX Europe charges spot fees by account type: the spot-only account costs 0.10% maker and 0.20% taker in the base tier, the spot and derivatives account 0.08% and 0.10%.
| Transaction | Cost at OKX Europe |
|---|---|
| Spot trading, spot-only account, regular user | 0.10% maker, 0.20% taker |
| Spot trading, spot and derivatives account, regular user | 0.08% maker, 0.10% taker |
| VIP 1 in the spot and derivatives account (from EUR 100,000 assets or EUR 1m volume in 30 days) | 0.0675% maker, 0.08% taker |
| Zero-fee pairs | selected spot pairs at 0% maker and taker |
| Crypto withdrawals | network fee per coin |
How to save: On a EUR 1,000 buy as a taker, the spot-only account costs EUR 2 and the spot and derivatives account EUR 1. Limit orders as a maker are cheaper in both account types. See how OKX compares in our crypto exchange comparison.
Fees as of 24 October 2026 according to the OKX Europe fee page.
OKX bonus and promotions (October 2026)
Welcome bonus of up to €400: if you sign up with the cryptoticker.io referral code and complete account verification, you receive a €100 X-Perps voucher from a deposit of €1. The reward rises with your trading volume: €125 from €25,000, €175 from €75,000, €250 from €150,000 and €400 from €300,000. Crypto rewards are locked for withdrawals for up to 45 days. The programme is open to new users in the EEA; the OKX bonus terms apply.
Further promotions: on USDT you deposit and convert to USDC, OKX pays an 8% bonus, up to €3,500; the promotion ends on 13 November 2026. If you hold a VIP tier at another exchange, you can carry it over to OKX.
You can open an OKX account through our partner link to OKX; cryptoticker.io receives a commission when an account is opened. Offers as of 24 October 2026.
Pros & Cons
- 1,000+ coins and tokens, Monero included
- No account, no verification for basic features
- Swaps with AWC cashback
- Staking for many coins in the app
- Desktop for Windows, macOS and Linux
- June 2023 incident with reported losses above 100 million US dollars according to Elliptic
- No final cause of the incident (as of the statement of 12 September 2023)
- Swap costs stated inconsistently: 0.5% plus partner commission per help article (as of 2023), zero Atomic fees per the Cosmos wallet product page
- No deposit protection, as with any self-custody wallet
- MiCA, MiFID II and payment institution licences via OKX Europe in Malta
- Spot fee of 0.20% taker on a spot-only account, 0.10% with a derivatives account
- Total costs of €2.00 per €1,000
- Proof of reserve is provided
- Wide range of payment methods: SEPA, PayPal, credit card, Apple Pay, Google Pay
- Savings plan via recurring buy (daily to monthly) and staking available
- Selection of 280+ cryptocurrencies is room for improvement compared with some competitors
- KYC process with eID and photo ID is occasionally criticized as time-consuming
Score Comparison
User Experiences
AI AnalysisNot enough reviews available.
According to the analyzed user reviews, OKX is mentioned by many users for its intuitive app, easy usability, and wide range of coins. At the same time, users also report critical experiences with support, as well as occasionally with blocked accounts or blocked withdrawals.
Editorial assessment based on publicly documented provider information and independent industry sources. As of October 2026. Self-custody means that losing your recovery phrase results in permanent loss of funds. This comparison is not investment advice. All information without guarantee.
Features
| not specified | Savings plan | available |
| not specified | Staking | available |
| not specified | Wallet transfer | available |
| not specified | Cost transparency | available |
| not specified | 2FA security | available |
| not specified | Anti-phishing code | available |
| not specified | Passkey login | available |
| not specified | Wallet whitelist | available |
| not specified | Mobile app (iOS/Android) | available |
| not specified | Web platform | available |
- 1,000+ coins and tokens
- Monero and many non-EVM networks
- Swaps with cashback
- Staking in the app
- One of the first exchanges with a MiCA license in the EU
- Total costs of €2.00 per €1,000 on a spot-only account
- Proof of reserve available for transparency
- Express purchases via PayPal, Apple Pay, and Google Pay possible
- Minimum investment from just 1 €
- Futures and spot margin up to 10x, tokenized stocks and ETFs
- OKX Shield: protection against third-party account takeovers, up to €500,000 depending on account tier
- OKX Card (Mastercard) with no monthly or annual card fee
The five areas head to head
AI AnalysisFees & Costs
Atomic charges no fee of its own for sending and receiving; only the network fee applies. For swaps, Atomic's help article cites a 0.5% markup plus the swap partner's commission, both included in the estimate before you swap (last updated 11 September 2023); the product page for the Cosmos wallet speaks of zero Atomic fees. What counts is the amount the app shows before you confirm. As of October 2026.
When it comes to fees, users report a mixed impression: on the one hand, low costs are mentioned; on the other hand, some users perceive the fees as high. According to reviews, the perception of costs from the user perspective apparently depends on usage and transaction type.
Usability & User Experience
Setup needs no account, and the basic features need no identity check: set a password, back up twelve recovery words, done. Desktop versions are available for Windows 10 and 11, macOS, Ubuntu, Debian and Fedora, plus apps for iOS and Android. In the German App Store Atomic Wallet is rated 4.4 out of 5 (855 ratings), on Google Play 4.3 (72,300 reviews, 1 million+ downloads), retrieved on 27 October 2026. As of October 2026.
According to reviews, users at OKX especially appreciate the intuitive app, the easy handling, and the clean interface. In everyday use, the platform is described by many as easy to understand. Occasionally, users also would like a German-language interface and a landscape mode.
Features & Offering
According to Atomic, the wallet manages 1,000+ coins and tokens, including Bitcoin, Ethereum, XRP, Solana and Monero, plus NFTs. In the app you swap coins and receive cashback in Atomic's own token AWC, buy with a bank card and stake ETH, ADA, BNB, SOL, TRX, NEAR, XTZ, HBAR and more. Keys and the twelve words are stored encrypted on your device. As of October 2026.
According to user reviews, the range of coins and features is viewed positively by many. Users report that the platform is experienced as versatile and offers different use cases. Occasionally, users would like more fiat options, additional bot options, and adjustments to the withdrawal whitelist.
Stability & Security
The wallet is run by Atomic Protocol Systems OÜ in Estonia; its CEO is Konstantin Gladych, also co-founder of Changelly. On 3 June 2023 users reported funds leaving their Atomic addresses. In its statement Atomic said fewer than 0.1 percent of users were affected and no new cases had been reported since 3 June; as of its update of 12 September 2023, the statement names no final cause. On 2 August 2023 the analytics firm Elliptic put the losses reported by users at more than 100 million US dollars and attributed the incident to North Korea's Lazarus Group. As of October 2026.
Regarding stability and reliability, users report in some cases smooth usage and in other cases problems related to accounts or withdrawals. In the reviews, blocked accounts and blocked withdrawals are occasionally mentioned. Overall, the user data does not present a uniform picture.
Customer Support
Support is available around the clock via live chat and email, backed by a knowledge base and a YouTube channel with guides. As with any self-custody wallet, support cannot replace lost recovery words, because Atomic has no access to your wallet. As of October 2026.
The user reviews of support are mostly critical. Users report slow or unanswered replies, and occasionally describe customer service as not helpful or as not being perceived at all. In addition, several users would like better support in German.
Details
| Atomic Protocol Systems OÜ | Company | OKX Europe Ltd |
| Estonia | Headquarters | — |
| — | Founded | 2017 |
| — | Regulation | MiCA licence, MiFID II licence and payment institution (MFSA, Malta) |
| — | Minimum Amount | ~$10 USD |
| — | KYC | eID, Photo ID |
Verdict
In our overall rating OKX leads with 4.5 against 3.7 for Atomic Wallet.
For most investors OKX is therefore the better choice.
Atomic Wallet suits anyone who wants to hold many different coins in one app: 1,000+ coins and tokens including Monero, swaps, purchases and staking, on desktop and mobile, without an account and, for the basic features, without verification.
The June 2023 incident is part of the assessment. According to Elliptic, the losses reported by users exceeded 100 million US dollars; Atomic itself speaks of fewer than 0.1 percent of users affected, and as of its update of 12 September 2023 the statement names no final cause. That clearly lowers our stability score.
Our recommendation: Atomic works well for everyday use with many small holdings and for coins other wallets do not list. Larger amounts belong on a hardware wallet as well, and before every swap it pays to check the amount shown.
In short: OKX is one of the large international crypto exchanges and serves investors in the EU through OKX Europe, licensed under MiCA in Malta. You can trade more than 280 crypto-assets, from 0.10% maker and 0.20% taker on a spot-only account, or from 0.08% and 0.10% with a spot and derivatives account. Add futures up to 10x, trading bots, tokenised stocks, a recurring-buy savings plan and the OKX Card. If you want a regulated exchange with a wide range of features and low fees, OKX is a strong choice.
Is OKX safe and licensed in the EU?
Yes, OKX may serve customers across the EU. OKX Europe Limited, based in Sliema, Malta, has been authorised as a crypto-asset service provider under MiCA since 27 January 2025, granted by the Malta Financial Services Authority (MFSA). Through the EU passport the licence covers 29 EEA countries, including Germany, France and Spain (ESMA register, file of 22 October 2026). It covers, among other things, custody, operating a trading platform, exchanging crypto-assets for funds and for other crypto-assets, executing orders, portfolio management and transfers. According to OKX, it also holds MiFID II and payment institution authorisations.
Reserves: OKX regularly publishes a proof of reserves, most recently its 46th report as of 3 October 2026: coverage of 110% for Bitcoin, 100% for Ether, 105% for USDT and 101% for USDC (OKX proof of reserves).
What you can do yourself: the anti-phishing code you set in your account protects you against scams with fake emails, because it appears in every genuine email from OKX. Add two-factor authentication or a passkey, a withdrawal address whitelist and, for larger amounts, your own hardware wallet.
Who is OKX for?
OKX suits investors in the EU who want to trade actively on a licensed exchange: spot, futures, bots and tokenised stocks on one platform, with low order book fees. If you mainly want a savings plan in a lean app, take a look at Bitvavo or Bitpanda; Kraken is another large exchange with a MiCA licence. All licensed providers are listed in our comparison of regulated crypto exchanges.