Yearly cost at three spending levels
| Monthly spend | WhiteBIT Nova | Wirex |
|---|---|---|
| $500 | ≤ -$90 Category cashback | ≤ +$30 Base |
| $2,000 | ≤ -$360 Category cashback | ≤ +$120 Base |
| $5,000 | ≤ -$900 Category cashback | ≤ +$300 Base |
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 | WhiteBIT Nova Category cashback | Wirex Base |
|---|---|---|
| Top-up and conversion fees | Not disclosed | $0 |
| Spending fees | -$360 | $0 |
| Foreign exchange markup | Not disclosed | $0 |
| ATM fees | Not disclosed | Not disclosed |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | Not disclosed | +$120 |
| Net per year | -$360 | +$120 |
Fees
WhiteBIT Nova charges Not disclosed to convert or top up and Not disclosed on spending in a foreign currency. Wirex charges 0% and 0%.
ATM withdrawals: WhiteBIT Nova no atm access (virtual card only); Wirex no card fee.
A virtual card costs nothing with WhiteBIT Nova and nothing with Wirex. A physical card costs an undisclosed fee and an undisclosed fee. Neither card has an annual fee on its base tier.
Cashback and rewards
WhiteBIT Nova cashback: Variable, not published. Wirex cashback: 0.5% to 8%.
WhiteBIT Nova tiers: Category cashback: rate not published, capped at $25 a month.
Wirex tiers: Base: 0.5%; Premium: 1%; Elite: 3%; Private: 5%; Bespoke: 8%.
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 Cashback is paid in BTC or WBT, capped at $25 a month, and can be withdrawn once it reaches 5 USDC.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.
Wirex: Cashback is paid in USD, with no monthly cap and no subscription. Your tier depends on two things together, portfolio value and the share of it held in the $WPAY token. It is recalculated daily, and a downgrade waits 24 hours. Users moved from X-tras plans keep legacy rates (Base 1%, Premium 3%, Elite 8%) for about 3 months.
Availability and KYC
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.
Wirex is offered in 73 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal, Spain, United Kingdom, Australia and Malaysia. In 2026 Wirex moved its consumer app to Wirex One, a self-custodial wallet (keys held through Privy) with fiat accounts and the card as regulated add-ons. The old Wirex app becomes read-only once an account moves over. The card issuer depends on region (see issuer), but fees and rewards are the same everywhere. You can receive crypto without verification; the card needs KYC.
WhiteBIT Nova needs full KYC and Wirex needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
WhiteBIT Nova publishes a daily spending limit of $40,000 and a monthly limit of $200,000.
Wirex publishes a daily spending limit of €30,000, a monthly limit of €30,000 and ATM withdrawals of up to €750 a day.
WhiteBIT Nova works with Apple Pay and Google Pay, and Wirex does not list either. WhiteBIT Nova issues a virtual card you can use straight away.
Custody and safety
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.
Wirex scores 85/100. Licensing: issued by a bank or e-money institution regulated in a tier-one jurisdiction. The card is issued through Transact Payments Malta Limited. No incidents or enforcement actions found in the last 36 months. Card spending draws on assets in the user's self-custodial wallet. Fiat IBAN balances are a regulated service run through third-party providers. We found no official enforcement action or hack for 2024 to 2026. The H1 2026 Transparency Report covers financial-crime metrics, not reserves.
Full reports: WhiteBIT Nova safety check and Wirex safety check.
About each card
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.
Wirex One Card is a self-custody Mastercard from UAB Wirex (Lithuania), part of the Wirex Group. It tops up with USDC, USDT, EURC, BTC and ETH and its balance is held in EUR.
Which card fits you
WhiteBIT Nova fits if
- Its fees and availability match your situation better on the table above.
Wirex 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 8%).
Read more: WhiteBIT Nova fees and details · Wirex fees and details