WhiteBIT Nova

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WhiteBIT Nova scores 6 of 16 on the CBL Card Score. WhiteBIT, Visa. Custodial; spends from exchange Main balance. JSC Hash Bank, Georgia; EUR card was Wallester.

CBL Card Score: 6 of 16

Criterion	Points	What we found	Source
Custody	0 of 2	Custodial. The USD card has no balance of its own: users "Spend crypto directly from your exchange balance" with no prior conversion, and the spendable amount is calculated from assets in the Main exchange balance and "no option to top up the card directly" (official, help articles, checked 20 Oct 2026). The marketing page says "96% of Assets on Cold Wallets" for the exchange (official). No statement on segregation of client funds for the card balance was found in the pages fetched.	official checked 20 October 2026
Issuer and licence	1 of 2	JSC Hash Bank, Georgia, named by WhiteBIT as the card product provider for the Nóva USD Card; no licence number or regulator is cited on the page, and the cardholder terms link points to a PDF on hashbank.ge dated 01.07.2026 (official, help article "Nóva USD Card Issuer and Terms", checked 20 Oct 2026). The earlier EUR card was issued by Wallester AS under Estonian payment institution licence No. 4.1-1/224 (official, card terms PDF at cdn.whitebit.com).	official checked 20 October 2026
Availability	1 of 2	The USD card eligibility article lists EU and EEA countries (including Austria, Germany, France, Greece, Norway, Iceland, Liechtenstein), Switzerland, the UAE, Saudi Arabia, Bahrain, Kuwait, Oman, Qatar, and about 140 countries in all; the UK and the US are not listed (official, help article "Nóva USD Card Eligibility and KYC Requirements", checked 20 Oct 2026). The migration article says card operations on whitebit.com for EU users are suspended from 1 July 2026, so EU access to the USD card is unclear; a third party advises assuming no EU availability until WhiteBIT Europe opens (third-party: thegodfunded, 8 Oct 2026). Scored on the official eligibility list.	official checked 20 October 2026
FX fee on a foreign-currency purchase	1 of 2	"Conversion fee - 1.5%" (official, help article "Nóva USD Card Fees, Limits and Restricted MCCs", checked 20 Oct 2026). The card is denominated in USD, so a European cardholder pays this on purchases outside the dollar. The EUR card listed a transaction fee of "up to 1%" with no separate FX line (official, EUR fees article).	official checked 20 October 2026
Funding cost	0 of 2	USD card: card opening 0 USD, top-up 0 USD, monthly payment 0 USD, inactivity fee 0 USD, cancellation 0 USD (official). Every payment carries a transaction fee of 1.5% plus 0.2 USD, non-refundable on refunds (official). Virtual only, "Available in a virtual format only (instant)"; no physical card (official). The EUR card had no monthly fee, a €12 physical delivery fee, and a €5 reactivation fee after three months of inactivity (official, whitebit.com/crypto-card). Scored 0 because the 1.5% plus 0.2 USD charge on every transaction is the conversion cost from crypto.	official checked 20 October 2026
Apple Pay and Google Pay	2 of 2	"Apple Pay and Google Pay support" (official, help article "What is the Nóva USD debit card?", checked 20 Oct 2026). A third party reports both must be added by hand from the wallet app (third-party: thegodfunded, 8 Oct 2026).	official checked 20 October 2026
Freeze and dispute policy	1 of 2	Card settings and security sit in the app (official, help centre section index). Dispute article: contact the merchant first, then WhiteBIT support with the transaction ID and screenshots; a dispute form follows; the dispute goes "through the Visa payment system" and carries a fee the user must consent to; "The transaction must not be older than 240 days"; no response or resolution time is given (official, help article "Nóva EUR Card transaction dispute", checked 20 Oct 2026). The Wallester card terms say unauthorised transactions must be raised "without undue delay, but no later than within the time limit provided for by the applicable legislation", with court in Estonia for unresolved disputes (official, card terms PDF).	official checked 20 October 2026
Yield on idle balance	0 of 2	None on the card balance. The card spends from the Main balance; a separate lending product advertises "up to 17.71%" and is not tied to the card (official, whitebit.com/crypto-card).	official checked 20 October 2026

Total 6 of 16. Official means the company's own site, terms or help centre. Third-party means a named review site with its own check date; a third-party fact is reported, not verified, and the score stands until an official source confirms or contradicts it.

Score history

20 October 2026

6 of 16

First score; Nóva USD Card scored, EUR card suspended for EU users since 1 Jul 2026

Standing

Company	WhiteBIT, a crypto exchange. Two card products; the help centre writes the name Nóva. The Nóva EUR Card was "issued and provided by Wallester AS a Payment Institution", Estonia, registration code 11812882 (official, whitebit.com/crypto-card). That card was suspended for EU users on whitebit.com from 30 June 2026, with card operations for EU users unavailable from 1 July 2026, pending a move to WhiteBIT Europe (official, help article "WhiteBIT Nova Card migration"). The Nóva USD Card, the product open today, "is issued in partnership with JSC Hash Bank", a bank in Georgia (official, help article "Nóva USD Card Issuer and Terms"). WhiteBIT's EEA entity, WB-Shield Innovations GmbH trading as WhiteBIT EU, received MiCA authorisation from the Austrian FMA on 19 June 2026 (third-party: The Block, 19 Jun 2026); whitebit.eu shows only a "Coming Soon" title (official, checked 20 Oct 2026). This record scores the Nóva USD Card.
Network	Visa (official, "a WhiteBIT Visa debit card"). official
Rails	WhiteBIT says the Nóva USD Card is issued in partnership with JSC Hash Bank, Georgia, and that payments draw on the user's Main balance on the exchange (official). The suspended EUR card was issued by Wallester AS, an Estonian payment institution (official).
Website	whitebit.com/crypto-card
Health tag	Watch The European euro card was suspended for EU users on 1 July 2026 with no return date while WhiteBIT Europe is still "Coming Soon", and the replacement USD card is issued through a Georgian bank with no licence reference published and no segregation statement found (official).
Last checked	20 October 2026

When it goes wrong

Card settings and security sit in the app (official, help centre section index). Dispute article: contact the merchant first, then WhiteBIT support with the transaction ID and screenshots; a dispute form follows; the dispute goes "through the Visa payment system" and carries a fee the user must consent to; "The transaction must not be older than 240 days"; no response or resolution time is given (official, help article "Nóva EUR Card transaction dispute", checked 20 Oct 2026). The Wallester card terms say unauthorised transactions must be raised "without undue delay, but no later than within the time limit provided for by the applicable legislation", with court in Estonia for unresolved disputes (official, card terms PDF).

The dispute route, in order: the company's own support desk, then the card network's chargeback rules, then the regulator of the issuer where one is named. A frozen card is a question, not a verdict: the Frozen Account Survival Kit applies to cards too.

Costs

FX	"Conversion fee - 1.5%" (official, help article "Nóva USD Card Fees, Limits and Restricted MCCs", checked 20 Oct 2026). The card is denominated in USD, so a European cardholder pays this on purchases outside the dollar. The EUR card listed a transaction fee of "up to 1%" with no separate FX line (official, EUR fees article). official
Funding	USD card: card opening 0 USD, top-up 0 USD, monthly payment 0 USD, inactivity fee 0 USD, cancellation 0 USD (official). Every payment carries a transaction fee of 1.5% plus 0.2 USD, non-refundable on refunds (official). Virtual only, "Available in a virtual format only (instant)"; no physical card (official). The EUR card had no monthly fee, a €12 physical delivery fee, and a €5 reactivation fee after three months of inactivity (official, whitebit.com/crypto-card). Scored 0 because the 1.5% plus 0.2 USD charge on every transaction is the conversion cost from crypto. official
ATM	USD card: "Currently, cash withdrawals are unavailable"; limits of 10,000 USD a day and 2,000 USD per operation apply once enabled (official). EUR card: balance inquiry €1, withdrawal €3 inside the EEA, €3 plus 2.2% outside, limits €1,000 a day and €3,000 a month (official, EUR fees article).
Tiers	None. One free card; no subscription or token stake (official).

Cashback, as of 20 Oct 2026

Up to 10% in BTC or WBT on three chosen categories: Subscriptions 10%, Taxi 5%, Pets 5%, Gaming 2%, Entertainment 2%, Food and Cafes 1%, Groceries 1%, Medicine 1%, Auto 1%, Electronics 1%, Beauty 1%, Clothing and Shoes 1% (official, whitebit.com/crypto-card, checked 20 Oct 2026). USD card cap "Maximum cashback per month: 25 USD", minimum claim 5 USDC, categories changeable once every 7 days (official, help articles). EUR card cap €25 a month (official).

Cashback is a dated fact, not part of the Card Score. Promo rates change too often to score.

Availability

The USD card eligibility article lists EU and EEA countries (including Austria, Germany, France, Greece, Norway, Iceland, Liechtenstein), Switzerland, the UAE, Saudi Arabia, Bahrain, Kuwait, Oman, Qatar, and about 140 countries in all; the UK and the US are not listed (official, help article "Nóva USD Card Eligibility and KYC Requirements", checked 20 Oct 2026). The migration article says card operations on whitebit.com for EU users are suspended from 1 July 2026, so EU access to the USD card is unclear; a third party advises assuming no EU availability until WhiteBIT Europe opens (third-party: thegodfunded, 8 Oct 2026). Scored on the official eligibility list. official

Identity checks: Register, complete the "Nova USD Card" verification level, then apply for the card free of charge (official, eligibility article).

What we still need confirmed

Facts marked official come from WhiteBIT's own pages or terms. Facts marked third-party are reported by a named review site and count as reported, not verified. These items are open for the next Monday sweep:

• Whether EU residents can order and use the Nóva USD Card on whitebit.com today, given the 1 July 2026 suspension notice. Rescore availability to 0 if EU users are blocked. open
• JSC Hash Bank: National Bank of Georgia licence reference, and the cardholder terms PDF linked from the help article (shown as hashbank.ge/media/file.pdf, dated 01.07.2026, not fetched). Rescore issuer to 2 if the bank licence is confirmed in the terms. open
• Whether the 1.5% conversion fee stacks on the 1.5% plus 0.2 USD transaction fee for non-USD purchases. Rescore fx to 0 if the combined rate is above 1.5%. open
• Segregation or safeguarding statement for Main balance assets in the WhiteBIT user agreement (whitebit.com/terms, not fetched). Rescore custody to 1 if one is published. open
• Response time in the dispute process. Rescore freeze to 2 if published. open
• WhiteBIT Europe launch date and whether the EUR card returns there for EEA residents. open
• tile_color taken from the dominant colour of the logo file in assets/logos/ on 20 Oct 2026; confirm against brand assets. open

See a mistake? Email hi@cryptobanklist.com. Every factual correction is logged on our corrections page.

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