WhiteBIT Nova vs Xapo Bank Card
Crypto native
Crypto enabled
Verdict
- WhiteBIT Nova scores higher overall (7.2 vs 5.4 out of 10).
- WhiteBIT Nova is clearly stronger on: Fees, Cashback & rewards, Product features, Transparency.
- Xapo Bank Card is clearly stronger on: Custody & security.
- 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, Transparency
Xapo Bank Card is a good fit for
- Frequent travellers
Stronger on: Custody & security
★ 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 | Xapo Bank Card |
|---|---|---|
| Fees | 100 | 49 |
| Cashback & rewards | 48 | 24 |
| Availability | 100 | – |
| FX & international | – | 100 |
| Product features | 70 | 53 |
| Custody & security | 60 | 75 |
| Credit & financing | 30 | 30 |
| Limits & ATM | – | 62 |
| Transparency | 100 | 86 |
| Best for Cashback | 6.5 | 4.3 |
| Best for Travel | 6.7 | 6.8 |
| Best for DeFi Users | 6.2 | n/a |
| Best for Stablecoins | 7.1 | n/a |
| Best for High Spenders | 5.8 | 4.8 |
| Best for Low Fees | 8.0 | 6.9 |
| Best for Beginners | 8.3 | 5.7 |
| Best E-Money Card | n/a | 6.6 |
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
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
The provider holds the funds
Card issuer / program manager
Wallester AS (payment institution, Finantsinspektsioon, Estonia)Show source
Fees
Annual fee
FreeShow source
$1,000/yearConditions apply: tap or hover for detailsShow source
Xapo Bank membership, card included
Monthly fee
FreeShow source
Physical card fee
€12Conditions apply: tap or hover for detailsShow source
Delivery of the plastic card
FreeConditions apply: tap or hover for detailsShow source
Card included in the membership; additional replacement card in a year 25 USD
Virtual card fee
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
Network exchange rate, no Xapo markup
Crypto conversion fee
0.1%Conditions apply: tap or hover for detailsShow source
Spread when spending from the BTC wallet
Top-up fee
FreeShow source
ATM fee
2%Conditions apply: tap or hover for detailsShow source
Outside Gibraltar, above the free monthly allowance; operator fees separate
Free ATM allowance
$100/monthShow 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
Max cashback
10%Conditions apply: tap or hover for detailsShow source
Subscriptions category; capped at 25 € cashback per month
1%Conditions apply: tap or hover for detailsShow source
Up to, on qualifying purchases
Cashback paid in
BTC or WBTShow source
BTCShow source
Cashback type
CryptoShow source
CryptoShow source
Interest on balance
4.1%Conditions apply: tap or hover for detailsShow source
Standard variable rate on USD Savings product (not card balance), paid daily in BTC; promo 4.6% for first-time members
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
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
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Complimentary metal card with the membership
Virtual card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Included in the membership (metal, standard and virtual cards)
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Where supported
YesConditions apply: tap or hover for detailsShow source
Free up to USD 100 per month, then 2%
Spend stablecoins
YesShow source
NoConditions apply: tap or hover for detailsShow source
USDC/USDT deposits convert automatically to USD; the card spends USD or BTC
Spendable assets
USDC · BTC · ETH · XRP · SOL · NEAR · ADA · AVAX · WBT · EURI · DOGEShow source
Limits
ATM limit
$2,000Conditions apply: tap or hover for detailsShow source
Per day
Security & custody
Regulation / licences
Xapo Bank Limited: credit institution regulated by the GFSC (Permission No. 23171) · USD deposits covered by the Gibraltar Deposit Guarantee Scheme up to GBP 120,000 · crypto via Xapo VASP Limited (GFSC DLT Provider, No. 26061)Show 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
Xapo Bank Card
- Annual & monthly fees−898 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−2 EUR
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers