Tuyo Card vs WhiteBIT Nova
Crypto native
Crypto native
Verdict
- WhiteBIT Nova scores higher overall (7.2 vs 6.6 out of 10).
- Tuyo Card is clearly stronger on: Custody & security.
- WhiteBIT Nova is clearly stronger on: Product features, Transparency.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Tuyo Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Custody & security
WhiteBIT Nova is a good fit for
- Stablecoin holders
Stronger on: Product features, Transparency
★ 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 | Tuyo Card | WhiteBIT Nova |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | – | 48 |
| Availability | – | 100 |
| FX & international | 60 | – |
| Product features | 58 | 70 |
| Custody & security | 80 | 60 |
| Credit & financing | 30 | 30 |
| Limits & ATM | – | – |
| Transparency | 86 | 100 |
| Best for Cashback | n/a | 6.5 |
| Best for Travel | 6.4 | 6.7 |
| Best for Self-Custody | 7.5 | n/a |
| Best for DeFi Users | 6.7 | 6.2 |
| Best for Stablecoins | 7.3 | 7.1 |
| Best for High Spenders | 5.9 | 5.8 |
| Best for Low Fees | 8.0 | 8.0 |
| Best for Beginners | 7.2 | 8.3 |
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
Stablecoin cardShow source
Debit cardShow source
Network
VisaShow source
VisaShow source
Custody model
Self-custodyConditions apply: tap or hover for detailsShow source
Keys stay on the user's device
CustodialConditions apply: tap or hover for detailsShow source
Spends balances held on the WhiteBIT exchange
Card issuer / program manager
Signify Holdings, Inc. (Rain)Show source
Wallester AS (payment institution, Finantsinspektsioon, Estonia)Show source
Fees
Annual fee
FreeShow source
FreeShow source
Monthly fee
FreeShow source
FreeShow source
Physical card fee
€12Conditions apply: tap or hover for detailsShow source
Delivery of the plastic card
Virtual card fee
FreeShow source
FreeShow source
FX fee
1%Conditions apply: tap or hover for detailsShow source
Up to ~1% FX spread on non-USD spend; no fee on USD transactions
Top-up fee
FreeShow source
Other fees & markups
ATM operator fees and FX markups apply on top of the withdrawal amountShow source
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
Lowest category rate; up to three categories chosen per day
Max cashback
10%Conditions apply: tap or hover for detailsShow source
Subscriptions category; capped at 25 € cashback per month
Cashback paid in
TUYOs (points)Conditions apply: tap or hover for detailsShow source
Not tradable or transferable
BTC or WBTShow source
Cashback type
PointsConditions apply: tap or hover for detailsShow source
Rewards in TUYOs points; rates shown in app; seasonal multipliers (time-limited) until token launch
CryptoShow source
Max cashback per month
€25/monthShow source
Cashback conditions
TUYOs earned per dollar spent with the card; current rates only in the app · Seasonal multiplier boosts decline after each season down to baseline rates · TUYOs are not tradable nor transferableShow 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
Credit & financing
Credit line
NoShow source
NoShow source
Availability
Available in
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
Not available in
AF, BD, BY, CN, CD, CU, India, IR, IQ, LB, LY, ML, MM, NP, Nigeria, KP, RU, SO, SS, SD, SY, Turkey, Ukraine, United Kingdom, VE, Vietnam, YEConditions apply: tap or hover for detailsShow source
Platform-wide prohibited jurisdictions (no wallet, Earn, ramps, card or bank-account services); card provider has additional restrictions
Account / spend currencies
USD · EURShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Type of account details depends on country of residence (CLABE, IBAN or US account/routing number)
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
NoConditions apply: tap or hover for detailsShow source
Physical card announced as coming soon
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
YesConditions apply: tap or hover for detailsShow source
Where supported
Spend stablecoins
YesShow source
YesShow source
Spendable assets
USDCShow source
USDC · BTC · ETH · XRP · SOL · NEAR · ADA · AVAX · WBT · EURI · DOGEShow source
Blockchains
BaseShow source
Limits
ATM limit
$250Conditions apply: tap or hover for detailsShow source
Per withdrawal incl. ATM surcharge; up to three attempts per rolling 24 hours
Spending limit
$50,000Conditions apply: tap or hover for detailsShow source
Daily; can rise to $100,000 and then $200,000 as total spending grows
Annual cost at 1,500 EUR/month
Tuyo Card
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
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