Revolut vs WhiteBIT Nova
Crypto enabled
Crypto native
Verdict
- WhiteBIT Nova scores higher overall (7.2 vs 7.1 out of 10).
- Revolut is clearly stronger on: Custody & security.
- WhiteBIT Nova is clearly stronger on: Cashback & rewards.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Revolut is a good fit for
- Frequent travellers
Stronger on: Custody & security
WhiteBIT Nova is a good fit for
- Stablecoin holders
Stronger on: Cashback & rewards
★ 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 | Revolut | WhiteBIT Nova |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 5 | 48 |
| Availability | 100 | 100 |
| FX & international | 100 | – |
| Product features | 70 | 70 |
| Custody & security | 75 | 60 |
| Credit & financing | – | 30 |
| Limits & ATM | 64 | – |
| Transparency | 93 | 100 |
| Best for Cashback | 4.8 | 6.5 |
| Best for Travel | 8.2 | 6.7 |
| Best for DeFi Users | n/a | 6.2 |
| Best for Stablecoins | n/a | 7.1 |
| Best for High Spenders | 5.2 | 5.8 |
| Best for Low Fees | 9.4 | 8.0 |
| Best for Beginners | 7.9 | 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
Network
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
Wallester AS (payment institution, Finantsinspektsioon, Estonia)Show source
Tiers / plans
Standard (free) · Plus €3.99/mo · Premium €9.99/mo · Metal €17.99/mo · Ultra €60/moConditions apply: tap or hover for detailsShow source
Austria
Fees
Annual fee
FreeShow source
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Standard plan; paid plans €3.99–€60/month (Austria)
FreeShow source
Physical card fee
€12Conditions apply: tap or hover for detailsShow source
Delivery of the plastic card
Virtual card fee
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
Standard: weekday exchange up to €1,000/month without extra fee; above that a 1% fair usage fee, plus 1% on weekends
Top-up fee
FreeShow source
ATM fee
2%Conditions apply: tap or hover for detailsShow source
After the monthly free allowance
Free ATM allowance
€200/monthConditions apply: tap or hover for detailsShow source
Standard: €200 or 5 withdrawals per month; Plus €200, Premium €400, Metal €800
Other fees & markups
2% fair usage fee (min. €1) per transaction after the plan's rolling monthly limitShow source
Account reactivation after 3 months of inactivity: 5 € · Cashback can only be claimed from 5 €Show source
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
No cashback on personal plans; card spending earns RevPoints (Standard: 1 point per €10) for travel benefits
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
BTC or WBTShow source
Cashback type
PointsConditions apply: tap or hover for detailsShow source
RevPoints, redeemable for air miles and Stays discounts
CryptoShow source
Interest on balance
1%Conditions apply: tap or hover for detailsShow source
Instant Access Savings (EUR) on the Standard plan, variable; higher rates on paid plans
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
Credit & financing
Credit line
NoShow source
Availability
Available in
EEAConditions apply: tap or hover for detailsShow source
Personal accounts; other supported regions listed on the help page
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
EURConditions apply: tap or hover for detailsShow source
Austrian accounts; multi-currency accounts available
Own IBAN / bank details
YesShow source
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Standard card; delivery and customisation fees apply
YesShow source
Virtual card
YesConditions apply: tap or hover for detailsShow source
All plans
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Where supported
Spend stablecoins
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Standard: available for purchase only; included on higher paid plans
Spendable assets
USDC · BTC · ETH · XRP · SOL · NEAR · ADA · AVAX · WBT · EURI · DOGEShow source
Security & custody
Regulation / licences
Revolut Bank UAB, licensed by the European Central Bank and regulated by the Bank of Lithuania · Crypto: Revolut Digital Assets Europe Ltd, CASP licence of the Cyprus Securities and Exchange Commission under MiCAShow source
Annual cost at 1,500 EUR/month
Revolut
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 EUR
- Net annual value0 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