WhiteBIT Card Review 2026
Reviewed: · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
onTrustpilot(416 reviews)Independently reviewed by Mihail B. · how we verify
Get WhiteBIT CardCard Overview
WhiteBIT Nova targets everyday spending in Europe with category-based cashback reaching 10% on subscriptions, 5% on pet supplies, and 3% on restaurants, medicine, and taxis, choose three categories daily to maximize returns. Issued by WhiteBIT, one of Europe's largest cryptocurrency exchanges, the Visa debit card offers instant crypto-to-fiat conversion from 11+ major digital assets including BTC, ETH, SOL, USDC, and native WBT tokens. With €10,000 daily spending limits, free virtual cards, €10 physical cards, and €25 monthly cashback caps paid in Bitcoin or WBT, WhiteBIT Nova delivers exceptional value for European crypto holders seeking category-optimized rewards without staking requirements or annual fees.
Sweepbase verdict: WhiteBIT Card earns its ranking here for its 10% cashback rewards and no annual fee, making it a good match for active spenders looking to earn crypto rewards on everyday purchases. The main thing to weigh is an issuance fee (Virtual Free; Physical €10).
This is a Visa crypto card. It offers cashback rewards. Available in Europe. Available in the UK.
Fees & Limits
| Issuance Fee | Virtual Free; Physical €10 |
|---|---|
| Annual Fee | Free |
| FX Fee | Standard Visa FX rates |
| ATM Limit | €1000/day |
| Spending Limit | €10000/day |
These figures can change. Confirm the current fees, FX and network in WhiteBIT’s official terms before you apply.
Features
- Card Type: Virtual + Physical
- Top up with: USDC BTC ETH XRP SOL NEAR ADA AVAX WBT EURI DOGE (11+ main balance cryptos)
- Available Countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Ukraine
Banking & Fiat Rails
SEPA yes (EUR top-ups); no personal IBAN/SWIFT account
Supported Cryptocurrencies
You can load the WhiteBIT Card with 1 cryptocurrency token. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: BTC, ETH, USDC, XRP, SOL, NEAR, ADA, AVAX, WBT, DOGE, EURI, EURR via on-chain deposit
Who Is the WhiteBIT Card Best For?
The WhiteBIT Card is a good fit for crypto holders who want a simple way to spend their coins without managing wallets by hand.
The WhiteBIT Card pays Category-based cashback in BTC or WBT: groceries 1%, food/restaurants 3%, medicine 3%, taxi 3%, pets 5%, subscriptions 10%. Critical catch: maximum monthly cashback is capped at EUR 25 total across all categories. Minimum EUR 5 to redeem. At EUR 2,000/month spending on mixed categories (~2% average), you would earn EUR 40 but only receive EUR 25 due to the cap. The 10% rate only applies to subscriptions, which are typically small amounts (EUR 10-30/month). A real-world user test showed EUR 2.42 earned on EUR 487 in 12 purchases. Realistic cashback for a typical user: 1-3% effective (capped at EUR 25/month regardless of spending). cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in EU residents primarily, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn Category-based cashback in BTC or WBT: groceries 1%, food/restaurants 3%, medicine 3%, taxi 3%, pets 5%, subscriptions 10%. Critical catch: maximum monthly cashback is capped at EUR 25 total across all categories. Minimum EUR 5 to redeem. At EUR 2,000/month spending on mixed categories (~2% average), you would earn EUR 40 but only receive EUR 25 due to the cap. The 10% rate only applies to subscriptions, which are typically small amounts (EUR 10-30/month). A real-world user test showed EUR 2.42 earned on EUR 487 in 12 purchases. Realistic cashback for a typical user: 1-3% effective (capped at EUR 25/month regardless of spending). cashback
- People who want a straightforward, app-managed crypto card
- European users within EEA countries
Avoid if
- You need full non-custodial control of your funds
- You're a US resident (this card doesn't support US users)
- You need traditional bank integration (IBAN, SEPA, direct debits)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the WhiteBIT Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- Category-based cashback up to 10% (select 3 daily); free virtual card; no annual fee; EU-regulated exchange integration
- Works wherever Visa is accepted worldwide
- Virtual card ready right away, no shipping wait
- Banking rails: IBAN / SEPA / SWIFT support
Cons
- EU residents only; €25/month cashback cap; fully custodial; physical card costs €10; 0.7% crypto conversion fee
- Card issuance fee: Virtual Free; Physical €10
- Only available in certain regions
- Requires KYC identity verification
- Full KYC required, no anonymous tier
How to Get the WhiteBIT Card
Here is what the sign-up process looks like, from application to first purchase.
Create a WhiteBIT account
~5 minutesGo to the WhiteBIT website or download the app. Sign up with your email, pick a password, and accept the terms. It's free.
Complete KYC verification
1–3 business daysUpload a government-issued photo ID (passport or national ID) and take a selfie. WhiteBIT verifies your identity under standard AML/KYC rules.
Fund your card
Usually instantOnce verified, load your card with USDC BTC ETH XRP SOL NEAR ADA AVAX WBT EURI DOGE (11+ main balance cryptos) through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual WhiteBIT Card shows up in the WhiteBIT app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available in EU residents primarily
The WhiteBIT Card is currently available in EU residents primarily. Some countries may be excluded, so confirm on the issuer's website before applying.
Frequently Asked Questions
Similar Cards Worth Comparing
