Understanding the limits and fees of your WhiteBIT Nóva USD card is important for effective financial management. In this article, we will look at how general limits, online purchase limits, fees and restricted merchant categories work to help you better control your spending.
Understanding Nóva USD card limits
General card limits
Spending limits on WhiteBIT Nóva USD cards are set for your account.
In accordance with the WhiteBIT Nóva USD tariffs, the card has the following limits:
- Maximum daily amount available for spending: 40 000 USD.
- Maximum monthly amount available for spending: 200 000 USD.
- Maximum cashback per month: 25 USD.
- 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.
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 USD.
- 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 40 000 USD. Once you click “Save”, the changes will take effect immediately.
Cash withdrawal limits
Important: ATM cash withdrawal limits will start to apply only after this feature is enabled. Currently, cash withdrawals are unavailable.
- Daily ATM cash withdrawal limit: 10 000 USD.
- ATM withdrawal limit per operation: 2 000 USD.
Taking into account this information about the WhiteBIT Nóva USD 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 the Nóva USD card:
- Card opening – 0 USD
- Inactivity fee — 0 USD
- Card cancellation fee — 0 USD
- Monthly payment — 0 USD
- Top-up – 0 USD
- Transaction fees — 1,5 % + 0.2 USD
- Conversion fee – 1.5%
Please note: the transaction fee is non-refundable when a refund is issued. However, no additional fee is charged for processing the refund.
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.