Top cards
WhiteBIT Card
Description
Key features:
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Lowest market spread: Highly competitive exchange rates for crypto-to-fiat conversions.
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0% FX and ATM fees: Spend and withdraw without extra charges, both locally and abroad.
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Up to 10% crypto rewards: Earn cashback in crypto for everyday purchases.
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Instant mobile wallet support: Easily add to Apple Pay or Google Pay for contactless payments.
Limitations to consider:
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Manual conversion required: Crypto must be converted to EUR in advance for spending.
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Daily cap of €2,750: Limited spending per day compared to some competitors.
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Rewards capped at €25/month: Monthly reward potential is limited.
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Card issuance cost: Physical card costs €10 to order.
WhiteBIT Card offers strong value for users focused on low-fee transactions and crypto rewards, but may require more active balance management due to manual conversions and reward caps.
Main characteristics
| Name | Value |
|---|---|
| Network | Visa, powered by Wallester AS in Estonia |
| Card Type | Prepaid debit — convert crypto to EUR, then spend |
| Mobile Wallets | Native Apple Pay & Google Pay integration |
| Funding Options | Deposit via SEPA/SWIFT to exchange + crypto trades to EUR |
| Stablecoin Onboarding | USDC, USDT, DAI (via exchange); 10 direct cryptos to main balance |
| KYC Verification | WhiteBIT exchange KYC (ID, selfie, address) |
| Cardholder | Individual only (no supplementary or biz cards) |
| Issuing Entity | Wallester AS (Estonia) |
| Base Currency | Euro (EUR) |
| Supported Cryptos | 271 coins via exchange; 10 direct to card balance |
| Coverage Area | EU/EEA + Ukraine + select neighbors |
| FX Markup | 0% (Visa interbank rate) |
| Crypto→EUR Funding | Manual preload in app |
| Interest Rate | 0% (no yield) |
| Max Cashback | Up to 10% crypto back on select categories |
| Base Cashback | 0.5–1% on everyday categories |
| Daily Spend Limit | €2 750 |
| Daily ATM Limit | Virtual: N/A / Physical: ~€1 800 |
| ATM Fee (Variable) | 0% |
| Monthly ATM Cap | €10 000 (physical) |
| Free ATM Allowance | Unlimited up to monthly limit |
| Card Formats | Virtual + physical (€10 shipping) |
| IBAN Attached | No |
| Bank Account Offered | No |
| Account Locale | N/A |
| Account Type | N/A |
| Third-Party Receipts | No |
| Launch Status | Beta mid-2023, full launch late 2023 |
| Primary Region | Europe (EEA + neighbors) |
| Custody Model | Custodial (exchange wallet) |
| Physical Card Cost | €10 |
| Virtual Card Cost | Free |
| Conversion Spread | ~0.18% |
| Transaction Fee | 0% |
| Total Crypto Cost | ~0.28% |
| Instant Sell | No |
| Spendable Fiat | EUR (0% FX abroad) |
| Deposit Fee | 0% |
| BIN | Not publishedEstonia |
| Issue Country | Estonia |
| Validity | 3 years |
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