Understanding the limits and fees of your WhiteBIT Nóva card is important for effective financial management. In this article, we will look at how general limits, online purchase limits, cash withdrawal limits, fees and restricted merchant categories work to help you better control your spending.
Understanding Nóva card limits
General card limits
Spending limits on WhiteBIT Nóva cards are set for your account and apply to both virtual and physical cards. This means that all spending, regardless of which card you use, will count towards your overall limit.
In accordance with the WhiteBIT Nóva tariffs, the card has the following limits:
- Maximum daily amount available for spending: 10 000 EUR.
- Maximum monthly amount available for spending: 25 000 EUR.
- Maximum cashback per month: 25 EUR.
- Minimum amount to request cashback: 5 USDC.
Please note the following important points:
- The card has both daily and monthly spending limits.
- The limits are updated every day at 00:00:01 UTC.
- Cancelled or failed transactions do not affect the limit.
- Refund transactions affect the limit in the same way as payment transactions for services/goods.
- Transactions exceeding the limit will be rejected.
These limits apply to both physical and virtual cards.
Online purchase limits
Online purchase limits are restrictions on the maximum amount you can spend on online purchases with your card within a given period (for example, per day).
Key features of online purchase limits:
- The online purchase limit applies only to transactions that belong to the Internet Purchase group.
- The online purchase limit cannot exceed the total daily spending limit.
- The online purchase limit is calculated in EUR.
- The limit is updated daily at 00:00:01 UTC.
- Transactions with a cancelled status do not affect the limit.
Please note: this is a feature that allows you to set your own custom daily spending limit for online purchases, within your card’s standard limit. To do this, tap “Set daily limit” in the app. You can choose any amount between 0 and 10 000 EUR. Once you click “Save”, the changes will take effect immediately.
Cash withdrawal limits
There are also cash withdrawal limits for physical cards:
- Daily ATM cash withdrawal limit: equivalent of 1 000 EUR.
- Monthly ATM cash withdrawal limit: equivalent of 3 000 EUR.
Please note:
- Cash withdrawals at ATMs are available only for physical cards.
- Cash withdrawals are available only via the contact method (cash withdrawal via NFC/contactless method for physical or virtual cards is not available).
All monthly limits are updated at 00:00 UTC on the 1st of each month.
Taking into account this information about the WhiteBIT Nóva card limits, you can better control your spending, avoid going over the limit and know how much money you have available to spend.
Card Benefits and Fees
The following fees apply to both physical and digital Nóva 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%
Restricted merchant categories (MCCs)
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
Transactions with these MCCs will be automatically declined.