#27
COCA Card
7.1/10
Ranked #26 of 32
Overview
The WhiteBIT Nova is a custodial Visa debit card from WhiteBIT — a major, security-focused European exchange (founded 2018 in Ukraine, now headquartered in Vilnius, Lithuania). It spends directly from your WhiteBIT exchange balance, auto-converting crypto to euros at the moment of payment, and works with Apple Pay and Google Pay. Its calling card is a genuinely clean fee structure: €0 to open, maintain, cancel, or hold idle, and no annual or monthly fees — the only real cost is a ~1% conversion spread baked into the exchange rate at checkout, which a hands-on 14-day test measured at 0.89–0.98%.
★ WhiteBIT Card referral code
8eba9052-71db-4b44-a740-08ffe1273c47
Using WhiteBIT Card's referral code at sign-up may unlock a welcome perk where the provider offers one. Availability and amounts are set by WhiteBIT Card and vary by region — check their site for current terms.
Rating breakdown
How the WhiteBIT Card scores across the categories we weigh into its overall 7.1/10.
Fees & value8.4
Rewards7.6
Ease of use8.2
Security & custody7.8
Availability7.4
Cashback & rewards
WhiteBIT Nova uses a category-based cashback model: you choose up to three active categories at a time (changeable every 7 days), with rates up to 10% — Subscriptions 10%, Pets 5%, Taxi 3%, Gaming/Entertainment 2%, and 1% on most everyday categories (groceries, food, medicine, auto, electronics, beauty, clothing). Cashback is paid in Bitcoin or WBT (WhiteBIT's token) at your choice — so you can opt for BTC and avoid exposure to the platform's own volatile token. The catch is the €25/month total cap: the headline '10%' only applies within that ceiling, so realistic monthly cashback is modest (a 14-day test earned €2.42 against the €25 cap on €487 of spend). Rewards are claimable once they reach €5 (or 5 USDC equivalent) and deposit to your main balance. Note a flat 3% 'Lite Mode' was a limited promo (Oct–Nov 2025), not a permanent feature.
| Tier | Requirement | Cashback | Monthly cap |
|---|---|---|---|
| Subscriptions | Select as active category | 10% in BTC or WBT | Part of €25/mo total cap |
| Pets | Select as active category | 5% in BTC or WBT | Part of €25/mo total cap |
| Taxi | Select as active category | 3% in BTC or WBT | Part of €25/mo total cap |
| Gaming / Entertainment | Select as active category | 2% in BTC or WBT | Part of €25/mo total cap |
| Everyday (groceries, food, etc.) | Default | 1% in BTC or WBT | Part of €25/mo total cap |
Fees & limits
A snapshot of the typical fee structure. Always verify the live figures before applying, as providers adjust these often.
| Fee | Typical amount |
|---|---|
| Monthly fee | $Free |
| Card issuance | $0 (virtual free; physical €10–€12) |
| Card spend (USD)Fee on purchases made in US dollars | 0% listed, but a ~1% crypto-to-fiat conversion spread applies at checkout |
| FX fee (non-USD transactions)Charged when you spend in a currency other than USD | 0% FX markup (Visa rate); the ~1% conversion spread is the real cost |
| ATM withdrawals | €2 in EEA; €2 + 2% outside EEA (limit ~€1,000/day, physical card only) |
How to get the WhiteBIT Card
- 1. Register on the WhiteBIT exchange and complete full KYC verification (approval is often within hours).
- 2. Confirm you reside in a supported country (31 European countries: EEA + Ukraine).
- 3. In the app, go to Products / U Finance / WhiteBIT Nova and apply for a virtual or physical card.
- 4. Accept the terms and set a PIN (for the physical card); the virtual card is active instantly.
- 5. Fund your WhiteBIT balance with crypto or supported payment methods (conversion happens automatically at checkout).
- 6. Add the card to Apple Pay or Google Pay, pick up to three cashback categories, and spend.
Pros & cons
Pros
- Cashback payable in BTC (not just the platform token) — you can avoid WBT volatility
- Up to 10% category cashback with weekly-adjustable categories
- Strong security record: CCSS Level 2, ~96% cold storage, no disclosed platform breaches
- Instant virtual card after fast KYC; Apple Pay and Google Pay supported
- Supports 12 assets for spending; high limits (€10,000/day, €25,000/month)
- MiCA-licensed (Austria FMA, June 2026)
Cons
- Custodial — funds sit on the WhiteBIT exchange until you spend
- €25/month total cashback cap makes the 10% headline apply to little spend
- ~1% crypto-to-fiat conversion spread on every purchase (the 'quiet' cost)
- Payments-only — no card-to-card transfers or Nova-to-Nova transfers
- Available only in 31 European countries (EEA + Ukraine); not the US
- Requires full KYC; €5 reactivation fee after 3 months inactivity (per official site)
- Cashback in WBT carries token-volatility risk if you don't choose BTC
Is It Worth It?
Best for EEA and Ukrainian users who already keep funds on WhiteBIT and want a genuinely low-cost way to spend crypto with modest, flexible category cashback — especially those who'll take rewards in BTC. Good for freelancers and everyday spenders who value a clean, no-hidden-fees structure over a high but capped headline rate. A poor fit for US residents, self-custody advocates, or high spenders who'd quickly hit the €25/month cashback ceiling.
Where you can use it
Supported countries
Available in 31 countries
🇦🇹 Austria
🇧🇪 Belgium
🇧🇬 Bulgaria
🇭🇷 Croatia
Cyprus
🇨🇿 Czech Republic
🇩🇰 Denmark
🇪🇪 Estonia
🇫🇮 Finland
🇫🇷 France
🇩🇪 Germany
🇬🇷 Greece
🇭🇺 Hungary
🇮🇸 Iceland
🇮🇪 Ireland
🇮🇹 Italy
🇱🇻 Latvia
Liechtenstein
🇱🇹 Lithuania
🇱🇺 Luxembourg
Malta
🇳🇱 Netherlands
🇳🇴 Norway
🇵🇱 Poland
🇵🇹 Portugal
🇷🇴 Romania
🇸🇰 Slovakia
🇸🇮 Slovenia
🇪🇸 Spain
🇸🇪 Sweden
🇺🇦 Ukraine
No match in the supported list.
Not supported
Not available in 30 countries
🇺🇸 United States
🇬🇧 United Kingdom
🇨🇦 Canada
🇦🇺 Australia
🇳🇿 New Zealand
🇯🇵 Japan
🇨🇳 China
🇮🇳 India
🇸🇬 Singapore
🇭🇰 Hong Kong
🇰🇷 South Korea
🇧🇷 Brazil
🇲🇽 Mexico
🇦🇷 Argentina
🇦🇪 United Arab Emirates
🇸🇦 Saudi Arabia
🇹🇷 Turkey
🇿🇦 South Africa
🇳🇬 Nigeria
🇨🇭 Switzerland
Russia
🇺🇦 Ukraine
🇮🇩 Indonesia
🇲🇾 Malaysia
🇹🇭 Thailand
🇵🇭 Philippines
🇻🇳 Vietnam
🇵🇰 Pakistan
🇪🇬 Egypt
Israel
No match in this list.
Availability can change and may depend on your verification status. Always confirm on the provider's official site before signing up.
Frequently asked questions
Does the WhiteBIT Nova Card offer cashback?
Yes — category-based, up to 10% (Subscriptions 10%, Pets 5%, Taxi 3%, etc.), on up to three categories you can change weekly. It's paid in BTC or WBT (your choice) and capped at €25/month total, so realistic earnings are modest.
Is the WhiteBIT Nova Card available in my country?
It's available in 31 European countries — all EEA members plus Ukraine. It is not available in the US. Check the app to confirm your country.
Does the WhiteBIT Nova Card require KYC?
Yes. Full identity verification on the WhiteBIT exchange is mandatory before you can use the card.
Is the WhiteBIT Nova Card custodial or self-custodial?
Custodial. The card spends from your balance held on the WhiteBIT exchange, so WhiteBIT holds your funds until the moment of payment.
What network does the WhiteBIT Nova Card run on?
Visa, in partnership with WhiteBIT, with Apple Pay and Google Pay support. It converts crypto to euros automatically at checkout.
What does it really cost?
No opening, monthly, or inactivity fees, and 0% FX markup — but a ~1% crypto-to-fiat conversion spread applies at checkout (measured at 0.89–0.98% in testing). Physical card delivery is about €10–€12; ATM is €2 in the EEA (€2 + 2% outside).
