Trade Republic Card vs WhiteBIT Nova
Crypto enabled
Crypto native
Verdict
- WhiteBIT Nova scores higher overall (7.2 vs 6.9 out of 10).
- Trade Republic Card is clearly stronger on: Custody & security.
- WhiteBIT Nova is clearly stronger on: Cashback & rewards, Availability.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Trade Republic Card is a good fit for
- Frequent travellers
Stronger on: Custody & security
WhiteBIT Nova is a good fit for
- Stablecoin holders
Stronger on: Cashback & rewards, Availability
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Trade Republic Card | WhiteBIT Nova |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 24 | 48 |
| Availability | 57 | 100 |
| FX & international | 100 | – |
| Product features | 70 | 70 |
| Custody & security | 75 | 60 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 90 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 5.4 | 6.5 |
| Best for Travel | 8.4 | 6.7 |
| Best for DeFi Users | n/a | 6.2 |
| Best for Stablecoins | n/a | 7.1 |
| Best for High Spenders | 6.0 | 5.8 |
| Best for Low Fees | 9.9 | 8.0 |
| Best for Beginners | 7.6 | 8.3 |
| Best E-Money Card | 9.0 | n/a |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Debit cardShow source
Debit cardShow source
Network
VisaShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
CustodialConditions apply: tap or hover for detailsShow source
Spends balances held on the WhiteBIT exchange
Card issuer / program manager
Trade Republic Bank GmbHShow source
Wallester AS (payment institution, Finantsinspektsioon, Estonia)Show source
Tiers / plans
Virtual · Classic · MirrorShow source
Fees
Annual fee
FreeShow source
Monthly fee
FreeShow source
FreeShow source
Physical card fee
€5Conditions apply: tap or hover for detailsShow source
Classic card, one-time delivery fee (again on renewal or replacement); Mirror card 50 €
€12Conditions apply: tap or hover for detailsShow source
Delivery of the plastic card
Virtual card fee
FreeShow source
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
Visa exchange rate without a Trade Republic currency exchange fee
Top-up fee
FreeShow source
ATM fee
€1Conditions apply: tap or hover for detailsShow source
Only for withdrawals below 100 €; from 100 € free with the Classic and Mirror cards; ATM operators may charge their own fee
Other fees & markups
Account reactivation after 3 months of inactivity: 5 € · Cashback can only be claimed from 5 €Show source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Saveback on up to 1,500 € of eligible card spend per month, paid into your savings plan
1%Conditions apply: tap or hover for detailsShow source
Lowest category rate; up to three categories chosen per day
Max cashback
2%Conditions apply: tap or hover for detailsShow source
Crypto Saveback when paying with crypto; same 1,500 € monthly cap; crypto-funded payments count as a sale
10%Conditions apply: tap or hover for detailsShow source
Subscriptions category; capped at 25 € cashback per month
Cashback paid in
Invested into a savings plan asset of your choiceShow source
BTC or WBTShow source
Cashback type
FiatConditions apply: tap or hover for detailsShow source
Paid by Trade Republic directly into your savings plan (invested)
CryptoShow source
Cashback-eligible spend cap
€1,500/monthShow source
Max cashback per month
€15/monthShow source
€25/monthShow source
Cashback conditions
Saveback must be activated · Invest at least 50 EUR per calendar month in weekly, bi-weekly or monthly savings plans (quarterly plans don't qualify) · First activation requires setting up a 50 EUR savings plan for the next monthShow source
Up to three categories selected per day: taxi 5%, subscriptions 10%, pets 5%, entertainment and gaming 2%, others 1% · Minimum claim 5 € · Maximum 25 € per monthShow source
Reward expiry / vesting
Invested on the 2nd of the following month; expires if the savings-plan requirements were not met in the previous monthShow source
Credit & financing
Credit line
NoConditions apply: tap or hover for detailsShow source
debit card
NoShow source
Availability
Available in
Germany, Austria, France, Spain, Italy, Netherlands, Belgium, Luxembourg, Finland, Ireland, Greece, Portugal, Estonia, Latvia, Lithuania, Slovenia, SlovakiaConditions apply: tap or hover for detailsShow source
Trade Republic account; permanent residents only; France including French Guiana, Guadeloupe, Martinique, Mayotte, Réunion and Saint-Martin
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Norway, Iceland, Liechtenstein, UkraineShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
personal IBAN for deposits
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Classic and Mirror cards
YesConditions apply: tap or hover for detailsShow source
Where supported
Spend stablecoins
YesShow source
Spendable assets
USDC · BTC · ETH · XRP · SOL · NEAR · ADA · AVAX · WBT · EURI · DOGEShow source
Security & custody
Regulation / licences
CRR credit institution · BaFinConditions apply: tap or hover for detailsShow source
supervised by BaFin, BaFin-ID 10150368
Deposit protection
YesConditions apply: tap or hover for detailsShow source
Cash in omnibus trust accounts at partner banks, protected up to 100,000 € per customer; securities are not covered
Annual cost at 1,500 EUR/month
Trade Republic Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−12 EUR
- Cashback+180 EUR
- Net annual value168 EUR
WhiteBIT Nova
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers