WhiteBIT Nova Card Review (2026)

The WhiteBIT Nova Card earns 1-10% (€25/mo cap) cashback on a Visa debit card with no annual fee, available in EEA/Ukraine.

Reviewed by Card Pilled Editorial · Last verified 2026-08-07

Key Facts

Cashback
1-10% (€25/mo cap)
Annual Fee
€0
Region
EEA/Ukraine
Type
Debit
Network
Visa
KYC
full
Mobile Pay
Apple Pay, Google Pay

Overview

WhiteBIT is a centralized cryptocurrency exchange founded in 2018 in Kharkiv, Ukraine by Volodymyr Nosov. The group later relocated its headquarters to Vilnius, Lithuania following the Russian invasion of Ukraine, and operates a broader product family including the WB Network blockchain, the WBT exchange token, and Whitepay merchant services.

The WhiteBIT Nova Card is a crypto debit card offered by WhiteBIT, available in EEA/Ukraine. It offers 1-10% (€25/mo cap) cashback rewards on purchases. The annual fee starts at €0.

Best suited for reward-focused spenders willing to optimize for cashback. It runs on the Visa network and requires full identity verification.

Cashback Tiers

WhiteBIT Nova Card cashback tiers and requirements
TierRateRequirement
Category Mode10%Free, pick up to 3 categories (subscriptions 10%, pets 5%, taxi 3%, gaming/entertainment 2%, others 1%), €25/mo cashback cap

Pros

Cons

Fees & Costs

Conversion Fee
~1%
FX Fee
0%
ATM Withdrawal
EUR 2 (EEA), EUR 2 + 2% (outside EEA)

Limits & Top-Up

Daily Spending Limit
EUR 10,000
Monthly Spending Limit
EUR 25,000 (shared across virtual and physical)
Daily ATM Limit
EUR 1,000 (EUR 3,000/mo, physical card only)

Who's behind this card

Issuing bank
Wallester AS
Licence
Payment institution (licence no. 4.1-1/224) (Finantsinspektsioon, EEA)

Banking features

Personal IBAN
No

No safeguarding statement is published; the card spends directly from the user's exchange balance. EUR SEPA deposit IBANs are held by payment providers, not the user, and third-party deposits are returned; withdrawals go only to the user's own verified account. Available in 30 EEA countries plus Ukraine.

Compare IBAN and transfer capability across cards in our crypto cards with IBAN guide.

Cost & Returns

On $500/mo spend, the estimated monthly cost breakdown for WhiteBIT Nova Card is: gas $0.00, conversion spread $5.00, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1% of spend. After $25.00/mo cashback that nets a gain of about $20.00/mo ($240.00/yr). WhiteBIT Nova Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.

Note: Category-based cashback: pick up to 3 active categories (changeable every 7 days) with rates of 10% Subscriptions, 5% Pets, 3% Taxi, 2% Gaming/Entertainment, 1% Groceries/Food/Medicine/Auto/Electronics/Beauty/Clothing. €25/month total cashback cap. Cashback paid in BTC or WBT (user choice), withdrawable from 5 USDC. Available across 31 European countries (EEA + Ukraine). 'Lite Mode' (flat 3%) was a limited-time promo Oct 15 – Nov 15, 2025 with €10 cap — NOT a permanent feature. 5% welcome bonus on first transaction for new users (since May 22, 2026). MiCA license received June 19, 2026 (Austria FMA).

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FAQ

What is the WhiteBIT Nova Card?

The WhiteBIT Nova Card is a crypto debit card offered by WhiteBIT. It is available in EEA/Ukraine and allows users to spend cryptocurrency at merchants worldwide.

How much cashback does the WhiteBIT Nova Card offer?

The WhiteBIT Nova Card offers 1-10% (€25/mo cap) cashback.

What are the fees for the WhiteBIT Nova Card?

The WhiteBIT Nova Card has an annual fee of €0. Additional fees: Conversion fee: ~1%; FX fee: 0%; ATM: EUR 2 (EEA), EUR 2 + 2% (outside EEA).

What are the spending limits on the WhiteBIT Nova Card?

The WhiteBIT Nova Card has the following limits: daily spending limit: EUR 10,000; monthly spending limit: EUR 25,000 (shared across virtual and physical); daily ATM withdrawal limit: EUR 1,000 (EUR 3,000/mo, physical card only). Limits can vary by account tier and verification level.

Does the WhiteBIT Nova Card require KYC?

Yes. The WhiteBIT Nova Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.

Which countries is the WhiteBIT Nova Card available in?

The WhiteBIT Nova Card is available in EEA/Ukraine.

Is the WhiteBIT Nova Card a credit or debit card?

The WhiteBIT Nova Card is a debit card. You need to load cryptocurrency onto the card before making purchases.

Does the WhiteBIT Nova Card support Apple Pay or Google Pay?

Yes, the WhiteBIT Nova Card supports Apple Pay and Google Pay for contactless payments.

Who issues the WhiteBIT Nova Card?

The WhiteBIT Nova Card is issued by Wallester AS. Licences: Payment institution (licence no. 4.1-1/224) (Finantsinspektsioon, EEA).

Does the WhiteBIT Nova Card come with a personal IBAN?

No, the WhiteBIT Nova Card does not come with a personal IBAN. No safeguarding statement is published; the card spends directly from the user's exchange balance. EUR SEPA deposit IBANs are held by payment providers, not the user, and third-party deposits are returned; withdrawals go only to the user's own verified account. Available in 30 EEA countries plus Ukraine.

Visit WhiteBIT

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