In which countries is the WhiteBIT Nóva USD card available?
The Nova USD debit card is available for users from the following countries: Algeria, Armenia, Azerbaijan, Bahrain, Bangladesh, Brunei, Djibouti, Egypt, Eritrea, Ethiopia, India, Jordan, Kazakhstan, Kuwait, Kyrgyzstan, Malaysia, Mauritania, Mongolia, Oman, Qatar, Saudi Arabia, Singapore, Sri Lanka, Tajikistan, Tanzania, Tunisia, Türkiye, Turkmenistan, United Arab Emirates, Uzbekistan, Andorra, Argentina, Aruba, Australia, Benin, Bhutan, Bolivia, Bosnia and Herzegovina, Botswana, Bouvet Island, Brazil, British Indian Ocean Territory, Burundi, Cambodia, Central African Republic, Chad, Chile, China, Christmas Island, Comoros, Republic of the Congo, Dominican Republic, Ecuador, El Salvador, Equatorial Guinea, Falkland Islands (Malvinas), Faroe Islands, French Guiana, French Polynesia, French Southern Territories, Gabon, Gambia, Ghana, Greenland, Grenada, Guadeloupe, Guinea, Guinea-Bissau, Heard Island and McDonald Islands, Honduras, Indonesia, Israel, Côte d’Ivoire, Japan, Kenya, Kiribati, Laos, Lesotho, Liberia, Macao, North Macedonia, Madagascar, Malawi, Maldives, Mali, Martinique, Mauritius, Mayotte, Mexico, Federated States of Micronesia, Montserrat, Morocco, Namibia, Nauru, Nepal, New Caledonia, New Zealand, Niger, Niue, Norfolk Island, Papua New Guinea, Paraguay, Democratic Republic of the Congo, Rwanda, Réunion, Saint Pierre and Miquelon, Senegal, Sierra Leone, Solomon Islands, Republic of Korea, Suriname, Svalbard and Jan Mayen, São Tomé and Príncipe, Taiwan, Thailand, Timor-Leste, Togo, Tokelau, Tonga, Tuvalu, Uruguay, Holy See (Vatican City State), Wallis and Futuna, Zambia, Zimbabwe, Åland Islands, Cocos (Keeling) Islands, Ukraine, Moldova, Montenegro, Switzerland, Serbia, Georgia.
Do I need a separate card balance, or are funds debited from my exchange account?
The total amount available for payment is shown in USD and is dynamically calculated based on your selected assets available on your Main balance on the exchange.
When making payments with the Nova USD card, the available balance from your exchange account is automatically deducted, and there is no option to top up the card directly – all transactions are carried out within the available balance.
What fees and limits apply to the Nova USD card?
The card has no monthly fee, no inactivity fee, and no card cancellation fee. Transaction fees are 1,5 % + 0.2 USD. The maximum daily spending limit is 40 000 USD and monthly — 200 000 USD. For the full breakdown of fees and limits, see Nóva USD Card Fees, Limits and Restricted MCCs.
Can I withdraw cash from ATMs?
No, cash withdrawals are unavailable at the moment.
Can I transfer money to other bank cards or accounts?
Nova USD debit cards are intended only for the payment of goods and services.
Fund transfers between cards and to other bank cards are not supported, and all payments are processed within the available balance on your exchange account.
How does cashback work, and how can I choose my categories?
The cashback balance is displayed at the top of the screen as a gift icon.
The maximum cashback limit is 25 USD per month, but you can withdraw it only when you have accumulated at least 5 USDC; even if you reach the limit on the first day, it will not be credited until the beginning of the next month.
Each cashback category specifies the MCC codes of stores where cashback is credited; if the store’s MCC does not match your selected category, cashback will not be credited.
You can select 3 active categories and change them once every 7 days; changes may take up to 24 hours to take effect.
Cashback is shown in BTC or WBT, with the option to change the currency after each cashback withdrawal, and is not credited for transactions made in restricted territories.
What should I do if a payment is declined or does not go through?
A payment can be cancelled or declined for several reasons – please check the following:
- Balance: make sure there are enough funds on the Main balance (not the trading balance), including the fee.
- Limits: the payment may exceed your daily or monthly limit; check the current values and remaining limit on the card dashboard.
- Online limits: your card may have a limit on online payments; check the settings.
- Limited services: some services are not supported – payments with MCC codes that are not allowed for this card will be automatically rejected.
- Security restrictions: if you have recently changed your password or disabled 2FA, your account may be subject to a withdrawal restriction for 72 hours.
If the payment failed because the Nova USD card is not available for use in this country, check the list of unsupported countries in the detailed country list (link).