Yearly cost at three spending levels
| Monthly spend | Xapo | WhiteBIT Nova |
|---|---|---|
| $500 | -$1,024 Membership | ≤ -$90 Category cashback |
| $2,000 | -$1,024 Membership | ≤ -$360 Category cashback |
| $5,000 | -$1,024 Membership | ≤ -$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 | Xapo Membership | WhiteBIT Nova Category cashback |
|---|---|---|
| Top-up and conversion fees | $0 | Not disclosed |
| Spending fees | $0 | -$360 |
| Foreign exchange markup | $0 | Not disclosed |
| ATM fees | -$24 | Not disclosed |
| Annual, monthly and subscription fees | -$1,000 | $0 |
| Cashback | $0 | Not disclosed |
| Net per year | -$1,024 | -$360 |
Fees
Xapo charges 0% to convert or top up and 0% on spending in a foreign currency. WhiteBIT Nova charges Not disclosed and Not disclosed.
ATM withdrawals: Xapo 2% after $100 free a month; WhiteBIT Nova no atm access (virtual card only).
A virtual card costs nothing with Xapo and nothing with WhiteBIT Nova. A physical card costs nothing and an undisclosed fee.
Cashback and rewards
Xapo cashback: None. WhiteBIT Nova cashback: Variable, not published.
Xapo tiers: Membership: 0%.
WhiteBIT Nova tiers: Category cashback: rate not published, capped at $25 a month.
Xapo: Xapo pays cashback in Bitcoin only through limited-time offers, such as 3% on rideshares with the Metal card from 1 July to 30 September 2026. The membership also includes interest on USD savings, paid in Bitcoin.
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 Cashback is paid in BTC or WBT, capped at $25 a month, and can be withdrawn once it reaches 5 USDC.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
Xapo does not publish a country list. Xapo Bank does not publish a list of countries where membership is open.
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.
Xapo 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
Xapo 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.
Xapo does not list Apple Pay or Google Pay support, and WhiteBIT Nova works with Apple Pay and Google Pay. Xapo and WhiteBIT Nova issue a virtual card you can use straight away.
Custody and safety
Xapo scores 69/100. Licensing: holds a licence or registration outside the tier-one list (Credit institution regulated by the Gibraltar Financial Services Commission (Permission No. 23171); crypto services by Xapo VASP Limited, a GFSC-regulated DLT Provider (Permission No. 26061)). No incidents or enforcement actions found in the last 36 months. Xapo says Bitcoin is held 1:1 and legally segregated under Gibraltar's DLT framework, never lent or rehypothecated. USD deposits are covered by the Gibraltar Deposit Guarantee Scheme; crypto balances are not.
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: Xapo safety check and WhiteBIT Nova safety check.
About each card
Xapo Bank Card is a custodial Visa card from Xapo Bank Limited (Gibraltar). It tops up with USD, BTC, 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
Xapo fits if
- 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.
WhiteBIT Nova fits if
- Its fees and availability match your situation better on the table above.
Read more: Xapo fees and details · WhiteBIT Nova fees and details