Visa
WhiteBIT Nova
4.0/10Overall Score
Card Mode
Third-party custody
Card Type
Debit
Mobile Payments
Google PaySupportedApple PaySupported
About the Project
Fees & Rules
01Getting Started
- Virtual Card Application
- $0
- Physical Card Application
- $12
02Spending & Conversion
- Base Transaction Fee
- 1%
- Top-ups Fee
- 0%
- Crypto / Fiat Conversion
- 0%
03Rewards
- Cashback
- 1%
Card Guide
Overview
WhiteBIT Nova is the crypto debit card of the WhiteBIT exchange, issued and operated by Wallester AS, an Estonian payment institution licensed by the Estonian Financial Supervision Authority and a Visa principal member. There is no separate card balance: purchases are debited in real time from the assets available on the exchange main account, so no top-up is needed. Two products are sold by market: the Nova euro card for the EEA and the Nova USD card for Asia-Pacific, the Middle East, Africa and Latin America, each with its own fee schedule and limits.
| Item | Details |
|---|---|
| Card forms: | one virtual and one physical card per account, with Apple Pay and Google Pay. |
| Tiers: | a single tier on the euro card, with cashback categories (MCC) chosen by the user, up to three active at a time. |
| Funding: | none required, spending draws on the main account balance; SEPA top-ups cost 0.1%. |
| Use cases: | domestic and cross-border spending in Europe, online subscriptions, and ATM withdrawals with the physical card. |
Benefits
| Item | Details |
|---|---|
| Category cashback: | 10% on subscriptions, 5% on transport and pet spending, 1% on groceries, dining, pharmacy and apparel, with three categories active at a time and adjustable daily. |
| Cashback cap: | EUR 25 a month (USD 25 on the dollar card), claimable to the main balance once 5 USDC has accumulated. |
| Payout asset: | BTC or WBT, switchable after each withdrawal. |
| Referral: | 1 USDC for the referrer and the friend each, up to 50 USDC per account. |
| Account controls: | card freeze, a custom daily limit for online purchases, and merchant blocking by MCC. |
Fees
| Item | Details |
|---|---|
| Issuance: | free. Annual, monthly, inactivity and cancellation fees: zero. |
| Transaction fee: | up to 1% on the euro card; 1.5% plus USD 0.2 on the dollar card. |
| Top-up: | 0.1% by SEPA transfer; crypto deposits cost only the network fee. |
| ATM: | EUR 3 per withdrawal in the EEA, EUR 3 plus 2.2% outside it, and EUR 1 per balance enquiry. |
Availability
| Item | Details |
|---|---|
| Supported (30): | Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden, plus Norway, Iceland and Liechtenstein. |
| The dollar card reaches more than 100 markets across Asia-Pacific, the Middle East, Africa and Latin America, including the UAE, Saudi Arabia, Qatar, Kuwait, Oman, Singapore, Malaysia, Japan, South Korea, Taiwan, Hong Kong, Macao, Turkey, Brazil, Mexico, Chile, South Africa, Kenya and Nigeria. | |
| Not supported: | the United States, the United Kingdom, Canada and Australia are outside the service area, and mainland China is not on the list. |
| Onboarding: | full KYC including address and phone checks, with residency in a supported country; the spending line is the available main-account balance. |
| Spending limits: | EUR 10,000 a day and EUR 25,000 a month on the euro card; USD 40,000 a day and USD 200,000 a month on the dollar card. |
| ATM limits: | EUR 1,000 a day and EUR 3,000 a month on the physical card, chip-and-PIN only, with no contactless withdrawals. |
| Restricted merchants: | brokerage, dating and escort services, massage parlours, betting and lottery, and money transfer MCCs are declined automatically. |