WhiteBIT Nova vs Zoomex Card
Crypto native
Crypto native
Verdict
- WhiteBIT Nova scores higher overall (7.2 vs 5.2 out of 10).
- WhiteBIT Nova is clearly stronger on: Fees, Cashback & rewards, Product features.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
WhiteBIT Nova is a good fit for
- Stablecoin holders
Stronger on: Fees, Cashback & rewards, Product features
Zoomex Card is a good fit for
- Stablecoin holders
★ 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 | WhiteBIT Nova | Zoomex Card |
|---|---|---|
| Fees | 100 | 88 |
| Cashback & rewards | 48 | 21 |
| Availability | 100 | – |
| FX & international | – | 20 |
| Product features | 70 | 56 |
| Custody & security | 60 | 60 |
| Credit & financing | 30 | 30 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 6.5 | 4.3 |
| Best for Travel | 6.7 | 4.5 |
| Best for DeFi Users | 6.2 | 5.1 |
| Best for Stablecoins | 7.1 | 5.5 |
| Best for High Spenders | 5.8 | 4.0 |
| Best for Low Fees | 8.0 | 6.7 |
| Best for Beginners | 8.3 | 6.7 |
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
Prepaid cardConditions apply: tap or hover for detailsShow source
Spends the UR account balance funded with USDC
Network
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Spends balances held on the WhiteBIT exchange
CustodialConditions apply: tap or hover for detailsShow source
Fiat held by UR (SR Saphirstein AG)
Card issuer / program manager
Wallester AS (payment institution, Finantsinspektsioon, Estonia)Show source
UR — SR Saphirstein AG, Swiss fintech licence (Art. 1b Banking Act), FINMA-supervisedShow source
Fees
Annual fee
FreeShow source
FreeShow source
Monthly fee
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
2%Conditions apply: tap or hover for detailsShow source
1–2%
Crypto conversion fee
1%Conditions apply: tap or hover for detailsShow source
Crypto to fiat; fiat to crypto 0%
Top-up fee
FreeShow source
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
Lowest category rate; up to three categories chosen per day
1%Conditions apply: tap or hover for detailsShow source
Credited monthly to the Zoomex funding account; campaign rules still being prepared
Max cashback
10%Conditions apply: tap or hover for detailsShow source
Subscriptions category; capped at 25 € cashback per month
1%Show source
Cashback paid in
BTC or WBTShow source
Cashback type
CryptoShow source
Max cashback per month
€25/monthShow source
Cashback conditions
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
Sign-up reward: spend $5, get $10Show 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
Account / spend currencies
USD · EUR · CHF · JPY · SGD · HKDShow source
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
NoConditions apply: tap or hover for detailsShow source
Initial version is virtual only
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Where supported
Spend stablecoins
YesShow source
YesConditions apply: tap or hover for detailsShow source
USDC is moved into the UR account and converted
Spendable assets
USDC · BTC · ETH · XRP · SOL · NEAR · ADA · AVAX · WBT · EURI · DOGEShow source
Annual cost at 1,500 EUR/month
WhiteBIT Nova
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
Zoomex Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- 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