WhiteBIT Nova Card Review 2026: 0 Fees, 10% BTC Cashback

Overview

WhiteBIT Nova is the crypto debit card from WhiteBIT, one of the larger European exchanges. Its pitch is blunt: a card with no opening fee, no monthly fee, no top-up fee, no cancellation fee and no inactivity fee, funded directly from your exchange balance.

Cashback is the other half of the offer. Nova advertises up to 10% back on eligible spending in up to three categories you choose each day, paid in real BTC or WBT rather than a points currency. The important caveat is the cap: cashback tops out at €25 a month, with a €5 minimum before you can claim it.

The card covers 31 markets in the EEA and Ukraine. Two published exceptions are worth knowing: reactivating an account after three months of inactivity costs €5, and physical card delivery is €12.

WhiteBIT Nova charges no opening, monthly, top-up or cancellation fees in the EEA and Ukraine and advertises up to 10% cashback. Tap also avoids a subscription with a free virtual card, and KuCard is the exchange-issued EEA alternative. The crypto cards directory compares the cashback caps.

Features & Benefits

What you get

Zero-fee structure — no card opening, monthly, top-up, cancellation or inactivity fees.
Up to 10% cashback in BTC or WBT on eligible purchases, in up to three categories chosen per day.
Instant funding from your WhiteBIT balance in USDC, BTC, ETH, XRP, SOL, NEAR, ADA, AVAX, WBT, EURI, EURR or DOGE.
Virtual and physical cards, with physical delivery at €12.
No lock-up or staking requirement to hold or use the card.
24/7 support through the exchange.

How the categories work

Rather than a flat rate, Nova rotates boosted cashback across three categories you pick each day. That structure rewards everyday spending patterns but makes the headline 10% hard to hit consistently — most users land on the lower promotional rates.

Supported Cryptocurrencies

Supported assets

WhiteBIT lists the Nova card's main balance assets as USDC, BTC, ETH, XRP, SOL, NEAR, ADA, AVAX, WBT, EURI, EURR and DOGE — one of the broader token lists among European exchange cards, including euro-pegged stablecoins EURI and EURR.

Fiat support

Card spending settles in euros, which suits EEA holders with no FX exposure on domestic purchases.

Fees & Limits

Published fee schedule

Card opening: €0
Monthly payment: €0
Top-up: €0
Cancellation: €0
Inactivity: €0 — but reactivating after three months of dormancy costs €5
Physical card delivery: €12

Cashback limits

Cashback is capped at €25 per month, and you need at least €5 accumulated before you can claim it to your main balance. Claiming is manual, not automatic.

Not published

The card network is not named on the public product page, and card FX or ATM terms are not itemised. Confirm both in the app before relying on the card abroad or at an ATM.

Pros & Cons

Pros

Genuinely zero-fee card: no opening, monthly, top-up, cancellation or inactivity charges
Up to 10% cashback paid in real BTC or WBT rather than points
Cashback can be claimed to your main balance once it reaches €5
Broad asset list including euro-pegged stablecoins EURI and EURR
No staking or lock-up required to use the card
Backed by an established European exchange with 24/7 support
Available across 31 markets in the EEA and Ukraine

Cons

Cashback is capped at €25 per month, so heavy spenders lose out
The 10% headline rate applies only to selected rotating categories
Reactivating after three months of inactivity costs €5
Physical card delivery costs €12
Card network is not named on the public product page
FX and ATM terms are not published
Limited to the EEA plus Ukraine — no US or UK service

Frequently Asked Questions

What is WhiteBIT Nova?

It is WhiteBIT's crypto debit card, funded from your exchange balance, with a zero-fee structure and up to 10% cashback paid in BTC or WBT.

Are there really no fees on the Nova card?

WhiteBIT publishes €0 for card opening, monthly payments, top-ups, cancellation and inactivity. Two charges exist: €12 for physical card delivery and €5 to reactivate after three months of inactivity.

How much cashback can I earn?

Up to 10% on eligible purchases, but capped at €25 per month, and you need a minimum of €5 before you can claim it.

What are the cashback categories?

You select up to three categories per day, and the boosted rate applies to spending within them. Cashback rates for BTC and WBT are the same.

Which countries can get the Nova card?

31 markets: the 27 EU member states, Norway, Iceland, Liechtenstein and Ukraine. Users elsewhere can register for availability updates.

Which cryptocurrencies can fund the card?

USDC, BTC, ETH, XRP, SOL, NEAR, ADA, AVAX, WBT, EURI, EURR and DOGE are the listed main balance assets.

Is there a staking requirement?

No. The Nova card does not require staking or locking funds to be issued or used.

Is the Nova card good value?

On pure fee structure it is one of the cheapest European crypto cards. The €25 monthly cashback cap is the main limitation, so treat the rewards as a small bonus rather than a reason to overspend.

Fees at a Glance

Setup / IssuanceFree

Monthly feeFree

Annual feeFree

ATM withdrawalNot publicly itemised. The published exception list covers inactivity and physical delivery: €5 to reactivate after three months of inactivity and €12 for physical card delivery.

FX feeNot published as a separate percentage — WhiteBIT promotes a 0% service-fee structure for the Nova card; check the app for the FX spread applied to non-euro purchases.

CashbackUp to 10%

Spending limitSpending runs from your WhiteBIT balance; limits shown in the app. Cashback is capped at €25 per month regardless of spend.

Before You Continue

WhiteBIT Nova Card