WhiteBIT Nóva debit card

WhiteBIT Nóva is a WhiteBIT Visa debit card that allows spending crypto to pay for any daily purchases.

Why Nóva? It’s a new star, a new beginning, and a world of possibilities. This card opens the door to seamless, instant transactions, breaking down barriers between you and the digital asset world. Nova isn’t just a tool—it’s a whole new way to use crypto for spending.

The card enables you to use crypto for spending directly from the exchange, providing convenience and efficiency for everyday transactions. It's a great solution for those who wish to use their crypto assets for daily spending automatically without the need to convert them to fiat beforehand and engage in a long-term withdrawal process. WhiteBIT Nova allows for instant use of crypto for spending, saving you time and streamlining the management of your digital assets.

Please note that WhiteBIT Visa debit cards are intended only for payments for goods and services. Fund transfers between cards and to other bank cards are not supported.

The card is available for the following countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Norway, Iceland, Liechtenstein, and Ukraine.

How to Get a Card?

Only registered WhiteBIT users who have successfully completed KYC through the Sumsub service can apply for a card. Users who passed the KYC verification procedure on WhiteBIT through other services will have to update their identity verification. In order to update KYC, users have to contact WhiteBIT support. Applying for a card is free of charge.

How to apply for a card on the WhiteBIT website?

We recommend that you watch a video tutorial that shows in detail the step-by-step process of opening a card in our mobile application.

  1. Log in to your WhiteBIT account.
  2. Select WhiteBIT Nova in the "U Finance" section of the dropdown menu under "Products".



  1. Click “Get Your Card Today”.



  1. Agree to the Terms and Conditions and click “Agree and Apply”.



  1. If the card is not available in your country, you can provide a proof of address document from an eligible country to gain access to card services.



  1. If you are not a resident of the European Economic Area (EEA), your application will be placed on a waiting list. However, you can provide an address within the EEA to instantly receive the card.



  1. Choose the type of card you prefer: physical or virtual.



  1. Set your PIN and click “Confirm PIN”. Enter and confirm your phone number using the SMS code, then click “Continue”.



  1. For a physical WhiteBIT Visa card, provide your full address.



  1. Confirm the delivery and click “Pay”.



  1. After successfully completing the card delivery, you will receive a confirmation message.



Please note: your digital card will be available immediately, while the physical card may take up to 45 days to deliver due to the large number of card applications. A fee is charged for the issuance of a physical card depending on the delivery provider selected:

 

  • DHL Standard
    Amount: 18 EUR
    Delivery time: 3-6 working days
    Tracking number is supported
  • DHL Express
    Amount: 40 EUR (60 EUR for Ukraine)
    Delivery time: 2-4 business days
    Tracking number is supported
  • Standard mail
    Amount: 10 EUR
    Delivery time: up to 45 working days
    Tracking number is not supported

 

After selecting the delivery method, you will see the exact delivery price. If you don’t activate the card, it will be automatically closed after 30 days. Therefore, we recommend you to activate and block the card until you receive it.

How to apply for a card using WhiteBIT mobile app?

1. Log in to your account in the WhiteBIT mobile app.

2. In the "Products" section, select "Nova".

3. Click “Get Your Card Today”.

4. Agree to the Terms and Conditions and click “Agree and Apply”.

5. If the card is not available in your country, you can provide a proof of address document from an eligible country to gain access to card services.

6. Choose the type of card you prefer: physical or virtual, and click “Get card”.

7. For a virtual card, if you are not a resident of the European Economic Area (EEA), your application will be placed on a waiting list. However, you can provide an address within the EEA to instantly receive the card.

8. Set your PIN and click “Confirm PIN”. Enter and confirm your phone number using the SMS code, then click “Continue”.

9. For a physical WhiteBIT Visa card, provide your full address.

10. Confirm the delivery and click “Pay”.

11. After successfully completing the card delivery, you will receive a confirmation message.



You will see the card's interface and will be able to start using it after that. A drop-down menu at the top of the card interface window lets you switch between physical and digital cards.

Please note: your digital card will be available immediately, while the physical card may take up to 45 days to arrive due to the large number of card applications. A fee is charged for the issuance of a physical card depending on the delivery provider selected:

 

  • DHL Standard
    Amount: 18 EUR
    Delivery time: 3-6 working days
    Tracking number is supported
  • DHL Express
    Amount: 40 EUR (60 EUR for Ukraine)
    Delivery time: 2-4 business days
    Tracking number is supported
  • Standard mail
    Amount: 10 EUR
    Delivery time: up to 45 working days
    Tracking number is not supported

 

After selecting the delivery method, you will see the exact delivery price. If you don’t activate the card, it will be automatically closed after 30 days. Therefore, we recommend you to activate and block the card until you receive it.

Activation of a physical card

Card activation is available in the “Card settings” section on the main screen of the app. You just have to press the “Activate card” button. Then follow next instruction:

  1. Change the PIN code in the mobile application.
  2. Open the app and update your card PIN.
  3. Go to an ATM (not a POS terminal).
  4. Insert the card into the ATM and carry out an operation using the new PIN. For example, check your balance or make a cash withdrawal.
  5. After that, the system will write the new PIN code to the card chip.
  6. Use the card again to make purchases at POS terminals with the new PIN code.


Until the card is activated, it is considered inactive and there are no functions on it (e.g. PIN change or block/unblock availability, etc.). In case you add an inactivated physical card to Apple Pay/Google Pay and attempt to make a payment, such transaction will be canceled.

Home Screen

Once the card is set up, you'll immediately access the following features on the home screen:

  • The total balance in EUR and USDC equivalents;
  • Asset tokens available for payments;
  • “Deposit,” “Convert,” and “Transfer” buttons;
  • Accumulated cashback;
  • Expense analytics;
  • Transaction history and statuses.

Total Balance

The total amount available for payment is shown in EUR and is dynamically calculated based on your selected assets available on your Main balance on the exchange. The balance is refreshed frequently to ensure you always have the most up-to-date information.



Available Assets

The asset tickers available for payments are listed under the balance sheet. When paying, the assets will be debited in the order they appear in the list, directly from the user's exchange balance. In the “Spending Priority” section, you can adjust the order in which assets are used. For example, if USDC is listed first, it will be spent first; if BTC is listed second, it will be spent after USDC, and so on. All assets available for payment are listed as follows:


USDC, BTC, ETH, XRP, SOL, NEAR, ADA, AVAX, WBT, and DOGE.

Tick the ones you want to use and save the settings.



Cashback

The cashback balance is displayed below the tickers. The maximum cashback limit is 25 EUR per month, but you can withdraw it when you have accumulated at least 5 USDC. This means that if you reach your cashback limit even on the first day, it will not be credited until the beginning of the next month.

The accumulated cashback is shown in BTC or WBT, with the option to change the currency after each cashback withdrawal.

You can also block/unblock merchants. You can block a particular merchant. Once blocked, this merchant will not be able to charge funds from your balance. Such canceled transactions will be displayed to the user in the history.

Please note: the amount of cashback % can change dynamically, so you should always check its values in the application.  You can also select 3 active categories. You can pick your cashback categories every 7 days. Just keep in mind that changes might take up to 24 hours to show up.

 

Available categories include:

Taxi and Limousines

  • 4121: Taxicabs and limousines.

Subscriptions and Memberships

  • 4814: Telecommunication services, including local and long-distance calls, credit card calls, fax services, and others;
  • 4899: Cable, satellite, and other pay television and radio services;
  • 5968: Direct marketing—continuity/subscription merchants;
  • 5994: Newsdealers and newsstands;
  • 7278: Buying and shopping services, and clubs;

Groceries and Supermarkets

  • 5411: Grocery stores and supermarkets;
  • 5422: Freezer and locker meat provisioners;
  • 5441: Candy, nut, and confectionery stores;
  • 5451: Dairy product stores;
  • 5462: Bakeries;
  • 5499: Miscellaneous food stores.

Food and Cafes

  • 5811: Caterers;
  • 5812: Eating places and restaurants;
  • 5813: Drinking places (alcoholic beverages), bars, taverns, cocktail lounges, nightclubs, and discotheques;
  • 5814: Fast food restaurants.

Pets and Pet Services

  • 0742: Veterinary services;
  • 5995: Pet shops, pet food, and supplies.

Medicine and Healthcare

  • 5912: Drug stores and pharmacies;
  • 5975: Hearing aids—sales, service, and supply stores;
  • 5976: Orthopedic goods—prosthetic devices;
  • 8011: Doctors and physicians (not elsewhere classified);
  • 8021: Dentists and orthodontists;
  • 8031: Osteopathic physicians;
  • 8041: Chiropractors;
  • 8042: Optometrists and ophthalmologists;
  • 8043: Opticians, optical goods, and eyeglasses;
  • 8049: Podiatrists and chiropodists;
  • 8050: Nursing and personal care facilities;
  • 8062: Hospitals;
  • 8071: Medical and dental laboratories;
  • 8099: Health practitioners, medical services, and health associations (not elsewhere classified).

Gaming

  • 5816: Digital goods—games;
  • 7993: Video amusement game supplies;
  • 7994: Video game arcades/establishments;

Entertainment

  • 5818: Digital goods—games, books, movies, and music;
  • 7832: Motion picture theaters;
  • 7841: Videotape rental stores;
  • 7911: Dance halls, studios, and schools;
  • 7922: Theatrical producers (except motion pictures) and ticket agencies;
  • 7929: Bands, orchestras, and miscellaneous entertainers (not elsewhere classified);
  • 7932: Billiard and pool establishments;
  • 7933: Bowling alleys;
  • 7941: Commercial sports, professional sports clubs, athletic fields, and sports promoters;
  • 7991: Tourist attractions and exhibits;
  • 7992: Public golf courses;
  • 7996: Amusement parks, circuses, carnivals, and fortune-tellers;
  • 7997: Membership clubs (sports, recreation, athletic), country clubs, and private golf courses;
  • 7999: Recreation services;
  • 7523: Parking lots, garages;
  • 7833: Express payment service—motion picture theaters.

Auto

  • 5541: Gas stations with or without ancillary services;
  • 5542: Automated fuel dispensers;
  • 5172: Petroleum and petroleum products (wholesale distributors).

Computers & Accessories

  • 5734: Computer software stores.
  • 7372: Software and programming consulting services.
  • 7379: Other services related to software and computers.
  • 5045: Computers, peripherals, software (wholesale).
  • 5732: Electronics, including computers and software.
  • 4816: Computer networks and information services (e.g., internet and cloud services).
  • 8299: Educational services (online courses and software-related training programs).
  • 5999: Miscellaneous retail stores (sometimes used by online software retailers).
  • 4899: Other communication services (including SaaS and video conferencing platforms).
  • 5044: Office and commercial equipment (often includes office software).
  • 5733: Music stores that may sell audio processing software.
  • 5065: Electronic parts and equipment, including computer accessories.
  • 5200: Building materials stores (if software or hardware is sold, as in large retailers like Home Depot).
  • 7395: Technical, commercial, and business services (including specialized software).
  • 5815: Digital goods, including software licenses and subscriptions.

Beauty

  • 5697: Tailors, Seamstress, Mending, and Alterations.
  • 5973: Cosmetic, Beauty Supply, and Perfume Stores.
  • 5992: Florists.
  • 7295: Beauty and Barber Shops.
  • 7230: Nail and Pedicure Salons.
  • 7297, 7298: Health and Beauty Spas.
  • 5977: Cosmetic Stores, Beauty Supplies.
  • 5691: Men’s and Women’s Clothing Stores.
  • 5699: Miscellaneous Apparel and Accessory Stores.

Clothing & Shoes

  • 5611: Men’s and Boys’ Clothing and Accessories Stores;
  • 5621: Women’s Ready-to-Wear Stores;
  • 5631: Women’s Accessory and Specialty Stores;
  • 5641: Children’s and Infants’ Wear Stores;
  • 5651: Family Clothing Stores;
  • 5661: Shoe Stores;
  • 5691: Men’s and Women’s Clothing Stores;
  • 5699: Miscellaneous Apparel and Accessory Shops;
  • 5941: Sports clothing and footwear.

When withdrawing, the cashback is instantly credited to the card's total balance. 



Expense Analysis

In order to access the expense analysis tab, do the following:

  1. Click View all on the main screen at the bottom below the transaction history.

  1. In the upper right corner, you will find a chart icon. Click on it to see all expenses as a percentage, grouped by the selected time range.

In this window, you can also download a file (CSV or PDF) with the transaction history for a certain period. To do this, click on Download Statement.

The minimum period for generating a report is 1 day, and the maximum is 1 year. You can select the period you need and click Accept.

The .csv table will contain the following information about transactions:

  • ID;
  • Date and time of the transaction;
  • Status;
  • Amount in EUR;
  • Merchant;
  • MCC code;
  • Category;
  • Cashback amount;
  • Cashback currency.

The .pdf file of the table will contain the following information about the transactions:

  • Date;
  • Merchant;
  • Status;
  • Amount spent in EUR.

Both files are not automatically sent to your email - you can choose where to send them or save them directly to your device.

Transactions and Statuses

Below the accumulated cashback section, all transactions are displayed with their respective category labels and processing statuses. Clicking on a transaction lets you view its details, including asset, date, category, and blockchain transaction ID (TXID). To see the full list of transactions, click on the “View all” button.

The transaction status reflects the current state of the payment. A transaction can be:

Canceled means a partially or fully reversed transaction. In this case, part or all of the funds are refunded in EUR. Since the balance is displayed in EUR, the refund will not be reflected in the card’s total balance. In such cases, the app will automatically prompt you to convert the refund to USDC.

Declined means that the transaction cannot be completed due to a decision of WhiteBIT or the provider. Transactions are also rejected when the spending limit is reached.

Completed means that the transaction is still in a processing state.

Successful  means that the transaction was cleared successfully

Please note that cashback will only be credited once the transaction is fully completed, and processing may take some time.

Card Settings

Swipe left to see the card settings:

  • Freeze/Unfreeze: Allows you to temporarily block or unblock the card;
  • Change the card design;
  • Card benefits and limits;
  • Terms of use;
  • Card limits: Daily limit and monthly limit;
  • Change PIN: This step is supported only for the plastic card version.

The daily limit, which is set at 10,000 EUR per day, determines the maximum daily amount available for spending.

The monthly limit, which is set at 25,000 EUR per month, determines the maximum monthly amount available for spending.

Click the “View Details” button if you need to see the card's details, such as the card number, expiry date, and CVV code.

Please note: to activate a physical card, make your first purchase using the card and enter your PIN. The virtual card will be activated after the first purchase (i.e., you have to make a purchase to get full access to the card's functionality).

Apple Pay: How to add a WhiteBIT Nóva debit card to your wallet?

The "Add to Apple Wallet" option is conveniently available on the main card screen or in the settings, simplifying the connection process. You can enable this feature with just one tap without needing to input your card details manually. With this functionality, users can quickly access contactless payments, making it even easier to use the card for everyday transactions.

To add a card to Apple Wallet, follow the instructions below:

  1. To add a card

In the app, open the main page of your card and click the ‘Add to Apple Wallet’ button.


Please note: if you have more than one Apple device, for example, an iPhone and an AppleWatch, you will be offered a choice of which device the card will be added to.

  1. Check the data

The cardholder's name and card number will be filled in automatically. We recommend that you check the data for correctness before proceeding;

  1. Read the Terms and Conditions

Please read the Terms and Conditions carefully before adding your card to Apple Pay. Accept them if you agree to the terms and conditions;

  1. Selecting the primary card (optional)

At the final stage, you will be asked to set your WhiteBIT Nóva card as the primary card for payments via Apple Pay. Make a choice based on your preferences.

Done! Now the WhiteBIT Nóva debit card has been added to your Apple Wallet!

Google Pay: How to add a WhiteBIT Nóva debit card to your wallet?

  1. To add a card
  • In the Google Wallet app, at the bottom of the screen, tap the Add to Wallet button with the distinctive “+” sign.
  • Tap Payment card and then New credit or debit card: enter the card details manually or use the camera to add your WhiteBIT Nóva physical card details.
  1. Check the data
  • Make sure that the cardholder's name and card number are filled in correctly. 
  • Click “Save and Сontinue” below.
  1. Read the Terms and Conditions

Before adding a card to Google Wallet, please carefully read the Terms and Conditions. Accept them if you agree to the terms and conditions;

  1. Selecting the primary card (optional)

At the final stage, you will be asked to confirm your payment method. Make a choice based on your preferences.


Done! Now, the WhiteBIT Nóva debit card has been added to your Google Wallet!

Card Benefits and Limits

The following tariffs and limitations apply to both physical and digital WhiteBIT Nova cards:

  • Inactivity fee — 0 EUR;
  • Card cancellation fee — 0 EUR;
  • Monthly payment — 0 EUR;
  • Transaction fees — up to 1%;
  • ATM balance Inquiry — 1 EUR;
  • ATM cash withdrawal fee (EEA) — 3 EUR
  • ATM cash withdrawal fee (Non-EEA) — 3 EUR + 2.2%;


Please note: ATM cash withdrawal is available only for physical cards (NFC withdrawal function is not available for virtual cards).

  • Max possible cashback per month — 25 EUR;
  • The minimum amount to request a cashback — 5 USDC;
  • The maximum daily amount available for spending — 10,000 EUR;
  • The maximum monthly amount available for spending — 25,000 EUR.

There are also ATM limits for the physical card:

  • Daily ATM withdrawal limit — an equivalent of 1,000 EUR.
  • Monthly ATM withdrawal limit — an equivalent of 3,000 EUR.

Please note that the card currently does not allow transactions for the following merchant categories (parties accepting payment from the card):

  • 6211 — Security Brokers/Dealers;
  • 7273 — Dating and Escort Services;
  • 7297 — Massage Parlors;
  • 7995 — Betting, Lottery, and Casino Gaming;
  • 4829 — Money Transfer — Outgoing (Non-Financial Institutions);
  • 7800 — Government-Owned Lotteries;
  • 7801 — Internet Gambling — State Lotteries;
  • 7802 — Internet Gambling — Horse/Dog Racing and Casinos.

Invite Friends Bonuses

Users can earn 1 USDC for each friend who registers and activates the card via a link, with a maximum bonus of 50 USDC.

You can find your referral link and code at the bottom of the card's total balance tab below the list of transactions. You will be able to share the referral link with your friends in one of the messengers or social networks, or copy the code and paste it into a message.



Moreover, each person who applies for a WhiteBIT Nova card via the link from an existing card holder within the Invite Friends program will also receive a 1 USDC bonus. Information about the names of friends who applied for a card using your referral link will also be displayed in the total card balance tab at the bottom of the referral program section.

Legal and Regulatory Information

WhiteBIT Nova is a debit Visa card issued and provided by Wallester AS payment Institution, authorized by the Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority) and an official Visa Principal Member. The card registration number is 11812882.

Payment card Terms & Conditions are available via this link: https://cdn.whitebit.com/card/tos.pdf.

Support

In case of any questions related to the functionality of our exchange, you can:

  • Leave a request on our website;
  • Write to the support email: support@whitebit.com;
  • Write to the chat using the button in the lower right corner of the screen (in the upper right corner of the WhiteBIT app, click ).

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