Crypto in Your Pocket: What the WhiteBIT Nova Crypto Card Can Do

WhiteBIT is a well-known cryptocurrency exchange that has gradually expanded its range of services from simple asset trading to a comprehensive financial ecosystem. One of the platform’s key steps was the launch of its own crypto card — WhiteBIT Nova. The card was introduced at the end of 2024 as a way to make cryptocurrency suitable for everyday use — for payments, purchases, withdrawals and more.

WhiteBIT Nova is a Visa debit card issued through a partnership with Wallester AS, a licensed payment operator and Visa Principal Member. WhiteBIT positions this card as a bridge between users’ digital assets on the exchange and their everyday expenses in the real world.

The WhiteBIT platform is known for storing a large portion of its assets in cold wallets, maintaining AML compliance and offering 24/7 customer support.

Features and Advantages

WhiteBIT Nova Card offers users several benefits that make spending cryptocurrency simple and convenient:

• Automatic conversion during payments: Users can spend crypto without prior conversion — it happens “on the fly” when paying for goods or services.
• Up to 10% cashback: The card allows choosing up to three spending categories (e.g., subscriptions, taxis, etc.) with a reward of up to 10%.
• Zero basic fees: Card issuance, monthly maintenance and inactivity are all free under WhiteBIT’s terms.
• Support for Apple Pay / Google Pay / SEPA / top-ups: Convenient balance replenishment through crypto, mobile wallets or bank transfers.
• Spending Power: A feature that displays total purchasing power, taking into account all assets and helps decide which to convert into fiat for spending.
• Supported countries: The card is available in many European countries and Ukraine (e.g., Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Norway, Iceland, Liechtenstein, Ukraine).

We’ve partnered with Visa to launch WhiteBIT Nova, a groundbreaking debit card designed for seamless crypto payments with up to 10% cashback on your purchases! With WhiteBIT Nova, using your cryptocurrency every day is effortless. Transactions are processed in fiat, directly debiting your digital asset balance

Volodymyr Nosov

Founder and President of WhiteBIT Group

Spending Power changes the way we view our assets — now your balance shows not only what you have, but also what you can spend — notes the WhiteBIT blog.

How to Order and Activate WhiteBIT Nova

The process is straightforward and takes place through the WhiteBIT platform:

1. Register on the WhiteBIT exchange and complete full KYC verification.
2. In the menu “Products / U Finance / WhiteBIT Nova,” apply for a card (virtual or physical).
3. Accept the terms and set a PIN (for the physical version).
4. Add the card to Apple Pay or Google Pay (optional).
5. Fund your balance with crypto or supported payment methods — conversion happens automatically when you spend.
6. For the physical card, make your first payment or activate via PIN.

Delivery of the physical card may take up to 10 business days, depending on shipping options (standard or express).

Fees and Limits

To fully understand benefits of the card, it’s important to review its fees and limits:

Fees:

• Opening, maintenance, closing, inactivity — free
• Transaction fee (card payments) — up to 1% (depending on the merchant)
• ATM cash withdrawals (physical card) — 3 EUR + 2.2% outside EEA, 3 EUR within EEA
• ATM balance inquiry — 1 EUR
• Physical card delivery — varies (standard or express, 12–40 EUR depending on region).

Limits:

• Daily spending limit — up to 10,000 EUR
• Monthly spending limit — up to 25,000 EUR
• Cash withdrawal (physical card) — up to 1,000 EUR/day, up to 3,000 EUR/month
• Cashback limit — maximum equivalent of 25 EUR per month
• Minimum cashback withdrawal — equivalent of 5 USDC

Drawbacks and Considerations

Despite its advantages, there are a few aspects to keep in mind:

• Cash withdrawals are available only with the physical card — virtual cards don’t support this function.
• Physical card delivery can be costly or lengthy in some regions.
• The cashback limit (25 EUR/month) might not be enough for very active users.
• Card availability is restricted to supported countries — if yours isn’t included, you can’t apply.
• Not all transaction types are supported — for example, card-to-card transfers may be unavailable.
• Crypto-to-fiat conversion rates may include spreads or small markups that aren’t always transparent.

WhiteBIT Nova stands out as a strong competitor among crypto cards: it allows easy crypto spending, cashback rewards, no base fees, and mobile wallet integration. For active users wanting to turn crypto into everyday purchases, this is a highly practical tool.

Still, as with any financial product, users should review the conditions carefully — including geographic availability, ATM fees, cashback limits and delivery terms.

Video Reviews of the WhiteBIT Nova Crypto Card