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Visa · Custodial · Full KYC · Virtual

WhiteBIT Nova USD Card: Fees, Limits and Cashback

WhiteBIT Nova USD Card is a custodial Visa card from WhiteBIT (whitebit.com) that does not publish its conversion fee. The FX markup is not published, and cashback is paid at a variable rate shown in the app. There is no annual fee. It is offered in 133 countries.

Verified September 28, 2026Issued by WhiteBIT (whitebit.com)
Not rated
Overall rating
133
Countries offered
Free
Annual fee
Not disclosed
Conversion fee
Not disclosed
FX markup
Variable, not published
Cashback
Not scored
Safety score

WhiteBIT Nova pros and cons

Pros

  • No annual or monthly fee
  • Works with Apple Pay and Google Pay
  • Free virtual card

Cons

  • Conversion fee not published
  • FX markup not published
  • Cashback rate not published
  • Virtual card only, so no ATM withdrawals

WhiteBIT Nova fees and limits

Virtual cardFree
Physical cardNot offered
Annual feeFree
Monthly feeNone
Crypto conversion feeNot disclosed
FX markupNot disclosed
Fee on purchases in USD1.5%
ATM withdrawalsNo ATM access (virtual card only)
Daily spending limit$40,000
Monthly spending limit$200,000
Daily ATM limitNot offered
Card currencyUSD

Other WhiteBIT Nova fees

  • Inactivity: 0 USD

Source: WhiteBIT Nova fee terms.

"Not disclosed" means WhiteBIT Nova does not publish the figure. Fees are read from the issuer's own pages, linked under Sources.

WhiteBIT Nova cashback and rewards

TierRatePaid inMonthly spend capRequirement
Category cashbackVariableBTCNone publishedNone

You pick 3 cashback categories, which you can change once every 7 days. Rates change and are shown only in the app. Cashback is paid in BTC or WBT, capped at $25 a month, and can be withdrawn once it reaches 5 USDC. New users get 5% cashback on their first transaction. No cashback is paid on transactions in restricted territories, including the US.

What WhiteBIT Nova costs over a year

Net value per year after cashback, conversion, FX, ATM and fixed fees, with US dollars as the home currency, 20% of spending abroad and one $200 ATM withdrawal a month.

Monthly spendingNet per yearTier used
$500≤ -$90Category cashback
$2,000≤ -$360Category cashback
$5,000≤ -$900Category cashback

Run it with your own numbers in the card cost calculator.

WhiteBIT Nova Apple Pay, Google Pay and ATM withdrawals

WhiteBIT Nova works with Apple Pay and Google Pay. The virtual card is ready to use as soon as it is issued. It is a virtual card only, so it cannot be used at ATMs. It runs on Visa, so it works wherever that network is accepted, online and in shops.

Where WhiteBIT Nova is available

WhiteBIT Nova is offered in the 133 countries below. Not available in the US, UK or Canada - WhiteBIT does not accept identity documents from those countries. The list follows WhiteBIT's help article of 16 Sep 2026. Another article on the same help centre also lists EEA countries, and Bahrain appears in some lists but not others. The older EUR-denominated Nova card, issued by Wallester, has been suspended since 30 June 2026 until WhiteBIT Europe launches.

Supported countries (133)
  • Åland Islands
  • Algeria
  • Andorra
  • Argentina
  • Armenia
  • Aruba
  • Australia
  • Azerbaijan
  • Bahrain
  • Bangladesh
  • Benin
  • Bhutan
  • Bolivia
  • Bosnia & Herzegovina
  • Botswana
  • Bouvet Island
  • Brazil
  • British Indian Ocean Territory
  • Brunei
  • Burundi
  • Cambodia
  • Central African Republic
  • Chad
  • Chile
  • China
  • Christmas Island
  • Cocos (Keeling) Islands
  • Comoros
  • Congo - Brazzaville
  • Congo - Kinshasa
  • Côte d’Ivoire
  • Djibouti
  • Dominican Republic
  • Ecuador
  • Egypt
  • El Salvador
  • Equatorial Guinea
  • Eritrea
  • Ethiopia
  • Falkland Islands
  • Faroe Islands
  • French Guiana
  • French Polynesia
  • French Southern Territories
  • Gabon
  • Gambia
  • Georgia
  • Ghana
  • Greenland
  • Grenada
  • Guadeloupe
  • Guinea
  • Guinea-Bissau
  • Heard & McDonald Islands
  • Honduras
  • India
  • Indonesia
  • Israel
  • Japan
  • Jordan
  • Kazakhstan
  • Kenya
  • Kiribati
  • Kuwait
  • Kyrgyzstan
  • Laos
  • Lesotho
  • Liberia
  • Macao SAR China
  • Madagascar
  • Malawi
  • Malaysia
  • Maldives
  • Mali
  • Martinique
  • Mauritania
  • Mauritius
  • Mayotte
  • Mexico
  • Micronesia
  • Moldova
  • Mongolia
  • Montenegro
  • Montserrat
  • Morocco
  • Namibia
  • Nauru
  • Nepal
  • New Caledonia
  • New Zealand
  • Niger
  • Niue
  • Norfolk Island
  • North Macedonia
  • Oman
  • Papua New Guinea
  • Paraguay
  • Qatar
  • Réunion
  • Rwanda
  • São Tomé & Príncipe
  • Saudi Arabia
  • Senegal
  • Serbia
  • Sierra Leone
  • Singapore
  • Solomon Islands
  • South Korea
  • Sri Lanka
  • St. Pierre & Miquelon
  • Suriname
  • Svalbard & Jan Mayen
  • Switzerland
  • Taiwan
  • Tajikistan
  • Tanzania
  • Thailand
  • Timor-Leste
  • Togo
  • Tokelau
  • Tonga
  • Tunisia
  • Türkiye
  • Turkmenistan
  • Tuvalu
  • Ukraine
  • United Arab Emirates
  • Uruguay
  • Uzbekistan
  • Vatican City
  • Wallis & Futuna
  • Zambia
  • Zimbabwe

The crypto card finder lists every card we track by country.

Topping up WhiteBIT Nova

WhiteBIT Nova tops up with USDC, USDT, BTC, ETH, XRP, SOL, NEAR, ADA, AVAX, WBT and DOGE. The conversion fee is not published. The card is custodial, so the provider holds your card balance.

How to get the WhiteBIT Nova card

  1. Check that you live in a country where WhiteBIT Nova is offered (see the list above).
  2. Download the WhiteBIT Nova app and complete identity verification with a government ID and a selfie check.
  3. Top up with USDC, USDT, BTC, ETH, XRP, SOL, NEAR, ADA, AVAX, WBT and DOGE.
  4. Issue the virtual card for free and add it to Apple Pay or Google Pay.

What WhiteBIT Nova asks for when you sign up

  • Government ID: required
  • Social Security number: not required

The card requires basic KYC on WhiteBIT and then a separate "Nova USD Card" verification level.

Source: WhiteBIT Nova verification requirements.

WhiteBIT Nova sign-up and referral offers

  • Welcome offer: 5% cashback on the first transaction
  • Referral offer: 1 USDC for each friend who activates the card through your link (the friend also gets 1 USDC), up to 50 USDC

Offers change often. Source: WhiteBIT Nova offer terms.

WhiteBIT Nova app ratings

Checked September 28, 2026.

Who the WhiteBIT Nova card suits

  • People outside the US, EU and UK who struggle to get a crypto card: it is offered in 133 countries and territories.

WhiteBIT Nova overall rating

WhiteBIT Nova is not rated yet, because its safety check is not complete. Reach and cost are shown below.

FactorDetailPoints
Reach133 countries32.6 / 40
Yearly cost-$360 a year at $2,000 a month6 / 30
SafetyNot scored yet–

Is WhiteBIT Nova safe?

WhiteBIT Nova has not been fully scored yet. Issuer: WhiteBIT (whitebit.com) (Georgia). Licensing: Visa debit card issued in partnership with JSC Hash Bank (Georgia). BIN sponsor: JSC Hash Bank.

The whitebit.com user agreement names a group of operating companies, including UAB Clear White Technologies (Lithuania) and WhiteBIT Georgia LLC. No official regulator enforcement release was found, but the search did not cover every regulator's register. The EUR card (Wallester AS, Estonia) was suspended on 30 June 2026 as part of the move to MiCA.

Full WhiteBIT Nova safety report

Compare WhiteBIT Nova with other cards

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Frequently asked questions

What are the WhiteBIT Nova card fees?
WhiteBIT Nova charges a conversion fee it does not publish, an FX markup it does not publish, no annual fee. The virtual card is free. Its ATM fee is listed in the fees table on this page.
Is WhiteBIT Nova available in the US?
No. WhiteBIT Nova does not offer the card to US residents. Not available in the US, UK or Canada - WhiteBIT does not accept identity documents from those countries. The list follows WhiteBIT's help article of 16 Sep 2026. Another article on the same help centre also lists EEA countries, and Bahrain appears in some lists but not others. The older EUR-denominated Nova card, issued by Wallester, has been suspended since 30 June 2026 until WhiteBIT Europe launches.
Does WhiteBIT Nova have cashback?
Yes, at a variable rate. You pick 3 cashback categories, which you can change once every 7 days. Rates change and are shown only in the app. Cashback is paid in BTC or WBT, capped at $25 a month, and can be withdrawn once it reaches 5 USDC. New users get 5% cashback on their first transaction. No cashback is paid on transactions in restricted territories, including the US.
What is the WhiteBIT Nova ATM withdrawal fee?
WhiteBIT Nova is a virtual card only, so it cannot be used at ATMs.
Does WhiteBIT Nova work with Apple Pay and Google Pay?
Yes. WhiteBIT Nova supports both Apple Pay and Google Pay.

Sources

  1. WhiteBIT Nova fees · checked September 28, 2026
  2. WhiteBIT Nova availability · checked September 28, 2026
  3. WhiteBIT Nova cashback · checked September 28, 2026
  4. WhiteBIT Nova terms and licensing · checked September 28, 2026