Yearly cost at three spending levels
| Monthly spend | Bitget Wallet | WhiteBIT Nova |
|---|---|---|
| $500 | ≤ +$99.60 Base | ≤ -$90 Category cashback |
| $2,000 | ≤ +$398.40 Base | ≤ -$360 Category cashback |
| $5,000 | ≤ +$996 Base | ≤ -$900 Category cashback |
Net value per year: cashback minus conversion, FX, ATM and fixed fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.
Where the money goes at $2,000 a month
| Line | Bitget Wallet Base | WhiteBIT Nova Category cashback |
|---|---|---|
| Top-up and conversion fees | $0 | Not disclosed |
| Spending fees | $0 | -$360 |
| Foreign exchange markup | -$81.60 | Not disclosed |
| ATM fees | Not disclosed | Not disclosed |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | +$480 | Not disclosed |
| Net per year | +$398.40 | -$360 |
Fees
Bitget Wallet charges 0% to convert or top up and 1.7% on spending in a foreign currency. WhiteBIT Nova charges Not disclosed and Not disclosed.
ATM withdrawals: Bitget Wallet no atm access (virtual card only); WhiteBIT Nova no atm access (virtual card only).
A virtual card costs $0.10 with Bitget Wallet and nothing with WhiteBIT Nova. A physical card costs an undisclosed fee and an undisclosed fee. Neither card has an annual fee on its base tier.
Cashback and rewards
Bitget Wallet cashback: 2% to 3%. WhiteBIT Nova cashback: Variable, not published.
Bitget Wallet tiers: Base: 2%; Booster: 3%.
WhiteBIT Nova tiers: Category cashback: rate not published, capped at $25 a month.
Bitget Wallet: Cashback (called assetback) is paid into your choice of Bitcoin, gold, USDC or tokenized US stocks. Small gas fees apply to on-chain transactions.
WhiteBIT Nova: 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 Cashback is paid in BTC or WBT, capped at $25 a month, and can be withdrawn once it reaches 5 USDC.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.
Availability and KYC
Bitget Wallet is offered in 41 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal, Spain, United Kingdom, Argentina and Brazil. This entry covers the virtual card issued through Immersve in the EEA, the UK and Latin America. Bitget Wallet also offers cards in Asia (DCS Card Centre, with a physical card), mainland China (Fiat24) and South Africa on different terms.
WhiteBIT Nova is offered in 133 countries, including India, Malaysia, Singapore, Turkey, United Arab Emirates, Argentina, Australia, Brazil, Indonesia and Mexico. 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.
Bitget Wallet needs full KYC and WhiteBIT Nova needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
Bitget Wallet does not publish fixed spending or ATM limits.
WhiteBIT Nova publishes a daily spending limit of $40,000 and a monthly limit of $200,000.
Bitget Wallet works with Apple Pay and Google Pay, and WhiteBIT Nova works with Apple Pay and Google Pay. Bitget Wallet and WhiteBIT Nova issue a virtual card you can use straight away.
Custody and safety
Bitget Wallet scores 65/100. Licensing: we could not confirm a licence for the card issuer on its own website. No incidents or enforcement actions found in the last 36 months. Bitget Wallet names its regional card issuers (Immersve for Europe and Latin America) but does not publish their licences on its card pages.
WhiteBIT Nova is not scored yet, because not every safety factor has been checked against a source. Published licensing: Visa debit card issued in partnership with JSC Hash Bank (Georgia). The card is issued through 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 reports: Bitget Wallet safety check and WhiteBIT Nova safety check.
About each card
Bitget Wallet Card (Europe and Latin America) is a self-custody Mastercard from Bitget Wallet (issued through Immersve). It tops up with USDC and USDT.
WhiteBIT Nova USD Card is a custodial Visa card from WhiteBIT (whitebit.com). It tops up with USDC, USDT, BTC, ETH, XRP, SOL, NEAR, ADA, AVAX, WBT and DOGE. The USD card is open to new applicants with no waitlist. The EUR Nova card is suspended.
Which card fits you
Bitget Wallet fits if
- You want to keep crypto in your own wallet until each payment.
- You spend in foreign currencies often, since its FX markup is lower.
- Most of your spending is in your home currency, where its lower conversion fee counts most.
- You want a higher cashback ceiling (up to 3%).
WhiteBIT Nova fits if
- Its fees and availability match your situation better on the table above.
Read more: Bitget Wallet fees and details · WhiteBIT Nova fees and details