Whitebit Nova Card

WhiteBIT Nova is a Visa debit card connected directly to the user's WhiteBIT account. Instead of maintaining a separate crypto wallet specifically for the card, users choose which assets from their Main Balance should be available for payments and set the order in which they are spent.

The current payment asset list includes USDC, BTC, ETH, XRP, SOL, NEAR, ADA, AVAX, WBT, DOGE, EURI and EURR. WhiteBIT also documents a separate conversion route for USDT. Card payments are ultimately settled in EUR through WhiteBIT Convert.

Both virtual and physical Nova cards are available. The virtual card can be used immediately after issuance, while the physical version adds ATM withdrawals. Apple Pay and Google Pay are supported.

Fees and limits

There is no fee for opening, maintaining or closing the card, and no monthly or inactivity fee. Crypto top-ups are currently advertised at 0%.

WhiteBIT lists card transaction fees of up to 1%. The exact cost can depend on the type of transaction and conversion involved.

The standard spending limit is €10,000 per day and €25,000 per month across the user's virtual and physical cards.

Physical-card ATM withdrawals are limited to €1,000 per day and €3,000 per month. Withdrawals within the EEA cost €3, while withdrawals outside the EEA cost €3 plus 2.2%.

Physical-card delivery starts at €12 for standard mail, with faster tracked options available at higher prices.

Cashback

Nova offers category-based cashback of up to 10%, paid in BTC or WBT.

Current rates include 10% on subscriptions, 5% on taxis and pet-related spending, 2% on gaming and entertainment, and 1% on categories such as groceries, restaurants, medicine, automotive spending, electronics, beauty, clothing and shoes.

Users can activate up to three cashback categories and change them periodically. The maximum cashback is €25 equivalent per month, and at least 5 USDC must be accumulated before it can be claimed.

Cashback percentages can change, so the rates shown in the WhiteBIT app should be treated as the current source of truth.

Availability and custody

WhiteBIT Nova is currently available across most of the EEA as well as Ukraine. The official supported-country list includes countries such as Poland, Germany, Spain, Italy, France, the Netherlands, the Nordic states and Ukraine.

KYC is required. EU users generally need Level 2 verification, while other eligible users may need the Advanced / WhiteBIT Nova verification level and proof of address.

The card is custodial because the assets used for spending remain within the WhiteBIT exchange account rather than a wallet controlled by the user's own private keys.

Nova is issued by Wallester AS, an Estonian payment institution and Visa Principal Member.

How to get the WhiteBIT Nova Card

1. Create a WhiteBIT account and complete the required identity verification.

2. Open Nova Card from the Products section.

3. Accept the card terms and start the application.

4. Choose a virtual or physical card.

5. Complete any additional address or phone verification requested by WhiteBIT.

6. For a physical card, enter the delivery address and choose a shipping method.

7. Configure the assets and Spending Priority used for card payments.

8. Add the card to Apple Pay or Google Pay if required.