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Bitpanda Card vs WhiteBIT Nova

Bitpanda Card

Crypto native

6.8
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WhiteBIT Nova

Crypto native

7.2
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Verdict

  • WhiteBIT Nova scores higher overall (7.2 vs 6.8 out of 10).
  • Bitpanda Card is clearly stronger on: Custody & security.
  • WhiteBIT Nova is clearly stronger on: Cashback & rewards, Availability, Transparency.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bitpanda 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, Transparency

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
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Review & sourcesBitpanda Card vs ether.fi CashWhiteBIT Nova vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitpanda CardWhiteBIT Nova
Fees100100
Cashback & rewards2148
Availability70100
FX & international100–
Product features7070
Custody & security7560
Credit & financing3030
Limits & ATM60–
Transparency86100
Best for Cashback5.26.5
Best for Travel7.96.7
Best for DeFi Users6.26.2
Best for Stablecoinsn/a7.1
Best for High Spenders5.55.8
Best for Low Fees9.28.0
Best for Beginners7.58.3

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

Debit cardShow source
Debit cardShow source

Network

VisaShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Platform-wide: Bitpanda holds customer crypto assets in custody as trustee (security page, not card-specific)

CustodialConditions apply: tap or hover for detailsShow source

Spends balances held on the WhiteBIT exchange

Card issuer / program manager

Transact Payments Malta LimitedShow 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

FreeConditions apply: tap or hover for detailsShow source

First card and initial shipment free; every additional physical card costs EUR 10

€12Conditions apply: tap or hover for detailsShow source

Delivery of the plastic card

Virtual card fee

No data yet
FreeShow source

Replacement fee

€5.90Show source
No data yet

FX fee

0%Conditions apply: tap or hover for detailsShow source

No Bitpanda fee; Visa's own exchange-rate mark-up applies

No data yet

Top-up fee

No data yet
FreeShow source

ATM fee

2% (min. €2)Conditions apply: tap or hover for detailsShow source

Plus local ATM operator fees

No data yet

Other fees & markups

Visa FX mark-up applies on non-EUR transactionsShow 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

On payments funded with crypto

1%Conditions apply: tap or hover for detailsShow source

Lowest category rate; up to three categories chosen per day

Max cashback

1%Show source
10%Conditions apply: tap or hover for detailsShow source

Subscriptions category; capped at 25 € cashback per month

Cashback paid in

BitcoinShow source
BTC or WBTShow source

Cashback type

CryptoConditions apply: tap or hover for detailsShow source

Paid in the crypto used for the purchase

CryptoShow source

Max cashback per month

No data yet
€25/monthShow source

Cashback conditions

Purchase must be funded with a crypto asset as the selected payment assetShow 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

Staking / holding required for top rewards

NoShow source
No data yet

Reward exclusions

Payments funded with fiat (EUR) · Payments funded with Bitpanda Stocks · Payments funded with metals · Payments funded with stablecoins · Payments funded with other non-crypto assetsShow source
No data yet

Credit & financing

Credit line

NoShow source
NoShow source

Credit type

NoneShow source
No data yet

Spend own balance directly

YesShow source
No data yet

Availability

Available in

Euro areaConditions apply: tap or hover for detailsShow source

Residents of euro-area countries with a verified account; not for users verified via Bankident

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

EURShow source
No data yet

Features

Apple Pay

YesShow source
YesShow source

Google Pay

No data yet
YesShow source

Physical card

YesShow source
YesShow source

Virtual card

No data yet
YesShow source

ATM withdrawals

YesShow source
YesConditions apply: tap or hover for detailsShow source

Where supported

Spend stablecoins

No data yet
YesShow source

Spendable assets

All cryptocurrencies listed on Bitpanda · All precious metals listed on Bitpanda · EURConditions apply: tap or hover for detailsShow source

Bitpanda Crypto Indices excluded; other fiat currencies not supported; page also says 600+ crypto assets

USDC · BTC · ETH · XRP · SOL · NEAR · ADA · AVAX · WBT · EURI · DOGEShow source

Limits

ATM limit

€500Conditions apply: tap or hover for detailsShow source

Per day

No data yet

Spending limit

€10,000Conditions apply: tap or hover for detailsShow source

Per day; weekly EUR 70,000, monthly EUR 280,000

No data yet

Security & custody

Regulation / licences

Bitpanda Payments GmbH: PSD2 payment service provider licence, E-Money InstitutionConditions apply: tap or hover for detailsShow source

Bitpanda Group platform-level licences (MiFID II, E-Money, PSD II)

No data yet

Annual cost at 1,500 EUR/month

Bitpanda Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs−24 EUR
  • Cashback+180 EUR
  • Net annual value156 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

More Bitpanda Card comparisons

More WhiteBIT Nova comparisons