WhiteBIT Card Review 2026
Reviewed by Mihail B. in · how we verify
Algorithmic score, not user reviews: how it is calculated
Closed to new applicants since . Cards you can still get
Fees and limits
| Issuance fee | Virtual Free; Physical €10 |
|---|---|
| Annual fee | Free |
| FX fee | Standard Visa FX rates |
| ATM limit | €1000/day |
| Spending limit | €10000/day |
Features
- Cashback: 1-10% (categories, cap EUR 25/mo)
The fine print
- Category-based cashback in BTC or WBT: taxi 5%, pets 5%, gaming 2%, entertainment 2%, subscriptions 10%, groceries 1%, food/cafés 1%, medicine 1%, auto 1%, electronics 1%, beauty 1%, clothing 1%
- Monthly cap EUR 25
- Minimum EUR 5 to claim
- KYC: Yes
- 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…
Full list
… Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Ukraine
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 and not stated by the issuer itself. (primary T&C unreachable, so the scheme is unverified).
Pros and cons before it closed
Pros
- Category-based cashback up to 10% (select 3 daily); free virtual card; no annual fee; EU-regulated exchange integration
- No card issuance fee
- Banking rails: SEPA support
Cons
- EU residents only; €25/month cashback cap; fully custodial; physical card costs €10; 0.7% crypto conversion fee
Regional availability
Was available across the EEA
The WhiteBIT Card covered the EU member states plus Iceland, Liechtenstein and Norway.
Was available in these regions:
Banking and fiat rails
Card overview
WhiteBIT suspended the Nova EUR card on 30 June 2026 while it moves the card to its MiCA entity, WhiteBIT Europe. Existing cards are frozen, new applicants sit on a waiting list until whitebit.eu launches, and on 25 September 2026 that site still showed only a coming-soon page. WhiteBIT says EU holders will get a six-month grace period to use and migrate the card once WhiteBIT Europe opens, and accumulated cashback can still be withdrawn. The alternative it offers, the Nova USD card issued with JSC Hash Bank in Georgia, is a different product with its own fees.
What follows describes the EUR card as it was sold. It was a Visa debit that spent your WhiteBIT exchange balance, converting crypto to euros at checkout. Cashback was capped at €25 a month. The headline "up to 10%" applied only to subscriptions, it was category-based, and it paid out in BTC or WBT.
Roughly €250 of qualifying spend hit the ceiling.
Funds sat on a centralized WhiteBIT exchange balance, not in self-custody. There was no annual fee, and the virtual card was free. A 0.7% crypto conversion fee applied. Availability was limited to residents of the EEA plus Ukraine, and full KYC was mandatory.
