OKX vs Trust Wallet Comparison
In our overall rating OKX leads with 4.5 out of 5 points, ahead of Trust Wallet with 4.0. If you care most about features, fees, and support, OKX has the better sub-scores, and the two are level in the other areas.
| 0.2 % | Fees | — |
| € 2.00 | Minimum cost per €1,000 | — |
| 280+ | Cryptos | — |
| Deposits: SEPA / SEPA Instant, Easy Transfer, Credit Card and PayPal Express purchases: PayPal, Google Pay, Apple Pay and Credit Card | Payment Methods | — |
| MiCA licence, MiFID II licence and payment institution (MFSA, Malta) | Regulation | — |
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 A price markup in the spread is not included, because most providers do not publish it.
| € 2.00 | Minimum cost per €1,000 | — |
| 0.2 % | Fees | — |
| € 1.08 | Wallet transfer | — |
| Yes | Cost transparency | — |
| ~$10 USD | Minimum Amount | — |
| Deposits: SEPA / SEPA Instant, Easy Transfer, Credit Card and PayPal Express purchases: PayPal, Google Pay, Apple Pay and Credit Card | Payment Methods | — |
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.
Trust Wallet itself is free: no account, no account or subscription fee. Costs only arise with transactions, and the app shows them before you confirm. For swaps in the app, Trust Wallet charges 0.7% according to its own figures, already included in the quoted rate.
| Transaction | Cost at Trust Wallet |
|---|---|
| Downloading and using the wallet | free |
| Sending and receiving crypto | only the network fee of the respective blockchain |
| Swap in the app | 0.7% Trust Wallet fee in the rate, plus network fee and any swap provider fees |
| Swaps between selected stablecoins on the same chain (except Ethereum) | 0% Trust Wallet fee since 27 August 2026, network fee still applies |
| Swaps of selected staked and wrapped tokens on Ethereum, Solana and BNB Chain | 0% Trust Wallet fee since 16 September 2026 |
| Buying crypto via partners such as MoonPay or Ramp | partner fee: often 0.5 to 1.5% by bank transfer, 2.5 to 4% by credit card or Apple Pay |
| Staking | no Trust Wallet fee, rewards vary by network |
| Trust Wallet Premium, Silver and Gold tiers | 10 or 20% off the swap fee (time-limited), network fees paid in TWT 20 to 50% cheaper |
How to save: On a EUR 1,000 swap, EUR 7 goes to Trust Wallet, plus the network fee. Swaps between stablecoins on the same chain carry no Trust Wallet fee. When buying, compare the partner quotes in the app: by bank transfer EUR 1,000 often costs EUR 5 to 15, by card EUR 25 to 40. Our Trust Wallet setup guide shows how to set up the wallet securely; we compare other wallets in our software wallet comparison.
As of 22 October 2026 according to trustwallet.com: wallet comparison (updated October 2026), Buy Crypto page and stablecoin campaign of 27 August 2026.
Pros & Cons
- 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
- More than 100 supported networks, including Bitcoin
- Open source code
- Very simple setup with no account
- Biometric unlock and security checks
- Built-in access to decentralised applications
- Owned by Binance: exchange and wallet from the same house
- Desktop functionality well behind the mobile app
- Support reported to be slow
- No deposit protection: self-custody rests with the user
- 0.7% fee per swap in the app, on top of the network fee
Score Comparison
User Experiences
AI AnalysisAccording 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.
Not enough reviews available.
This analysis is based on 794 user reviews evaluated by AI from the Apple App Store, Trustpilot, Google Play Store. The total number of reviews on the respective platforms may be higher, the platform ratings (star ratings) shown refer to all reviews available there. The reviews shown reflect users' experiences and do not represent the site operator's own assessment. All information without guarantee. Ratings as of: September 2026; review summaries as of: March 2026. This comparison does not constitute investment advice.
Features
| available | Savings plan | not specified |
| available | Staking | not specified |
| available | Wallet transfer | not specified |
| available | Cost transparency | not specified |
| available | 2FA security | not specified |
| available | Anti-phishing code | not specified |
| available | Passkey login | not specified |
| available | Wallet whitelist | not specified |
| available | Mobile app (iOS/Android) | not specified |
| available | Web platform | not specified |
- 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
- More than 100 networks from one app
- Open source
- Mobile-first design
- No account required
The five areas head to head
AI AnalysisFees & Costs
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.
The wallet is free; network fees go to the respective blockchain. For swaps in the app, Trust Wallet charges 0.7%, included in the quoted rate; selected stablecoin pairs on the same chain can be swapped without this fee. When buying through partners such as MoonPay, their fee applies, and the app shows it before you confirm. As of October 2026.
Usability & User Experience
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.
The app is among the most beginner-friendly in this comparison: setup in minutes, clear navigation, no account needed. On desktop the extension's functionality falls off noticeably. As of October 2026.
Features & Offering
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.
More than 100 blockchain networks with millions of tokens are supported, including Bitcoin, Ethereum, Solana and the major EVM chains. NFT management, staking of selected coins, built-in access to decentralised applications, perpetual futures through integrated providers, biometric and PIN unlock and a security scanner that checks transactions before you confirm round this out. As of October 2026.
Stability & Security
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.
Not enough reviews available.
Customer Support
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.
Not enough reviews available.
Details
| OKX Europe Ltd | Company | Binance (acquired 2018) |
| — | Headquarters | Estonia |
| 2017 | Founded | — |
| MiCA licence, MiFID II licence and payment institution (MFSA, Malta) | Regulation | — |
| ~$10 USD | Minimum Amount | — |
| eID, Photo ID | KYC | — |
Verdict
In our overall rating OKX leads with 4.5 against 4.0 for Trust Wallet.
For most investors OKX is therefore the better choice.
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.
Trust Wallet is the most approachable of the major software wallets. The design is built consistently around the smartphone, setup takes a few minutes and no account is required. With more than 100 supported networks it covers more chains than most competitors, including Bitcoin, which sets it apart from pure EVM wallets.
One thing to know: Trust Wallet has belonged to Binance since 2018. That does not change self-custody: keys stay on the user's device and the code is open source. It does remain a concentration question when exchange and wallet come from the same house.
Desktop use is weaker: the browser extension does not match the mobile app in functionality. And as with any self-custody setup there is no deposit protection and no counterparty if the recovery phrase is lost, while support is reported to be slow when needed.