WhiteBIT Card Review 2026
Last reviewed · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
Get WhiteBIT CardNot a partner link. We earn nothing from this card; it goes straight to the issuer.
Card Overview
WhiteBIT Nova is a Visa debit card that spends your WhiteBIT exchange balance, converting crypto to euros at checkout. The catch that decides everything: cashback is capped at €25 a month. The headline "up to 10%" only applies to subscriptions, it is category-based, and it pays out in BTC or WBT. Clear roughly €250 of qualifying spend and you have hit the ceiling. Beyond that, real cashback rounds to zero. gncrypto calls the cap the key constraint, and it holds up.
Custody matters here. Funds sit on a centralized WhiteBIT exchange balance. This is not self-custody and nothing runs on-chain. Top-up from that balance costs 0%. There is no annual, monthly or inactivity fee, and the virtual card is free.
The card is cheap on fees. FX is 0%, but a crypto-to-euro conversion spread of up to about 1% (measured near 0.89 to 0.98%) applies per transaction. Availability is limited to residents of 31 European countries, the EEA plus Ukraine, issued through WhiteBIT's Lithuanian entity. Full KYC is mandatory: government ID, a selfie, sometimes proof of address.
Status rests on secondary sources. The official pages block bots, so treat "live" as reported, not confirmed by me.
Best fit: European users already holding funds on WhiteBIT who want a cheap, no-annual-fee Visa to spend at 0% FX. Wrong card if you are a high spender chasing rewards, or you want to hold your own keys.
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.
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
Who issues the WhiteBIT Card
WhiteBIT Card does not name its issuer outright, and on the documents we could reach, the sponsor appears to be Wallester AS, Estonia / EEA (Visa Principal Member) — inferred from the program manager, not stated by the issuer itself. — primary T&C unreachable — scheme unverified.
Supported Cryptocurrencies
You can load the WhiteBIT Card with crypto; the asset we track for it is listed below. 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 holders who want their balance to keep earning while it sits on the card.
The WhiteBIT Card pays 5% 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 5% 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 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
- 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
A few minutesGo to the WhiteBIT website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerWhiteBIT runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.
Fund your card
Usually instantLoad 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.
Common questions about the WhiteBIT Card
What are the fees for the WhiteBIT Card?
How does the WhiteBIT Card cashback work?
Where is the WhiteBIT Card available?
What cryptocurrencies does the WhiteBIT Card support?
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