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Bitsa Card vs WhiteBIT Nova

Bitsa Card

Crypto enabled

5.9
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WhiteBIT Nova

Crypto native

7.2
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Verdict

  • WhiteBIT Nova scores higher overall (7.2 vs 5.9 out of 10).
  • Bitsa Card is clearly stronger on: Custody & security.
  • WhiteBIT Nova is clearly stronger on: Fees, Cashback & rewards.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bitsa Card is a good fit for

  • No specific audience can be derived from the published data yet.

Stronger on: Custody & security

WhiteBIT Nova is a good fit for

  • Stablecoin holders

Stronger on: Fees, Cashback & rewards

★ 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
Get the card
Review & sourcesBitsa Card vs ether.fi CashWhiteBIT Nova vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitsa CardWhiteBIT Nova
Fees82100
Cashback & rewards048
Availability100100
FX & international30–
Product features7070
Custody & security7560
Credit & financing3030
Limits & ATM75–
Transparency100100
Best for Cashback4.06.5
Best for Travel5.66.7
Best for DeFi Usersn/a6.2
Best for Stablecoinsn/a7.1
Best for High Spenders3.65.8
Best for Low Fees7.08.0
Best for Beginners7.68.3
Best E-Money Card6.9n/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

Prepaid card, E-money cardShow source
Debit cardShow source

Network

VisaShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Crypto is converted to euros on top-up; the card spends an e-money balance

CustodialConditions apply: tap or hover for detailsShow source

Spends balances held on the WhiteBIT exchange

Card issuer / program manager

Pecunia Cards EDE S.L.U. (Pecunpay), Spanish e-money institution; crypto service by BitnovoShow source
Wallester AS (payment institution, Finantsinspektsioon, Estonia)Show source

Tiers / plans

Free · Move · ProShow source
No data yet

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

Free plan; Move €8.99/year, Pro €69.99/year

FreeShow source

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Free plan; Move €0.99/month (€8.99/year), Pro €9.99/month (€69.99/year)

FreeShow source

Physical card fee

€20Show source
€12Conditions apply: tap or hover for detailsShow source

Delivery of the plastic card

Virtual card fee

€2.50Show source
FreeShow source

FX fee

1.75%Conditions apply: tap or hover for detailsShow source

Non-euro SEPA-zone currencies; 2% in the rest of the world

No data yet

Top-up fee

1.5%Conditions apply: tap or hover for detailsShow source

External-card top-ups beyond the free ones (Free: 2 in total, Move: 3/month, Pro: 4/month); vouchers 0–6%

FreeShow source

ATM fee

€0.55 + 1% (min. €0.75)Conditions apply: tap or hover for detailsShow source

Outside the euro area; euro area €2.50 per withdrawal, Spain: the ATM operator's fee is passed on

No data yet

Transfer fee

€1Conditions apply: tap or hover for detailsShow source

SEPA transfer on Free and Move; free on Pro

No data yet

Other fees & markups

Voucher top-up fee 0–6% · Transfers to another holder or institution €1.50 · Crypto top-ups limited to €20,000 per dayShow source
Account reactivation after 3 months of inactivity: 5 € · Cashback can only be claimed from 5 €Show source

Cashback & rewards

Base cashback

No data yet
1%Conditions apply: tap or hover for detailsShow source

Lowest category rate; up to three categories chosen per day

Max cashback

No data yet
10%Conditions apply: tap or hover for detailsShow source

Subscriptions category; capped at 25 € cashback per month

Cashback paid in

No data yet
BTC or WBTShow source

Cashback type

NoneConditions apply: tap or hover for detailsShow source

Card payments earn no cashback; gift cards in the app up to 15%

CryptoShow source

Max cashback per month

No data yet
€25/monthShow source

Cashback conditions

No data yet
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

EEAConditions apply: tap or hover for detailsShow source

Residents of the EEA

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

Own IBAN / bank details

YesShow source
No data yet

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

YesShow source
YesConditions apply: tap or hover for detailsShow source

Where supported

Spend stablecoins

No data yet
YesShow source

Spendable assets

No data yet
USDC · BTC · ETH · XRP · SOL · NEAR · ADA · AVAX · WBT · EURI · DOGEShow source

Limits

ATM limit

€450Conditions apply: tap or hover for detailsShow source

Per day, withdrawals outside Spain

No data yet

Spending limit

€1,500Conditions apply: tap or hover for detailsShow source

Purchase limit on Free; Move €5,000, Pro €15,000

No data yet

Security & custody

Regulation / licences

Pecunpay: e-money institution supervised by the Bank of SpainShow source
No data yet

Annual cost at 1,500 EUR/month

Bitsa Card

  • Annual & monthly fees+0 EUR
  • FX costs−63 EUR
  • Crypto conversion–
  • ATM costs−19 EUR
  • Cashback+0 EUR
  • Net annual value-82 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 Bitsa Card comparisons

More WhiteBIT Nova comparisons