BitpandaBitpanda
73
Side-by-side card comparison
Bitpanda vs WhiteBIT Nova USD: overall score versus use-case fit
Bitpanda Card has the higher Overall Score by 14 points (73 vs 59). Bitpanda Card looks stronger for Cashback, Travel, Funds control, and Lowest fees, while WhiteBIT Nova USD comes out ahead for Transfers.
Information checked Oct 16, 202633 official sources reviewed
01 · Overall score versus use-case fit
Bitpanda Card is the better all-round starting point
Bitpanda Card has the higher Overall Score in this comparison. WhiteBIT Nova USD may be the better fit for Transfers. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallBitpanda73WhiteBIT Nova USD59Higher score
CashbackBitpanda60WhiteBIT Nova USD25Higher score
TravelBitpanda79WhiteBIT Nova USD36Higher score
Funds controlBitpanda56WhiteBIT Nova USD49Higher score
Lowest feesBitpanda67WhiteBIT Nova USD60Higher score
TransfersBitpanda85WhiteBIT Nova USD86Higher score
Choose Bitpanda Card if cashback and travel matter most
Bitpanda Card comes out ahead for Cashback, Travel, Funds control, and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- No monthly fee
- Apple Pay and Google Pay
- Crypto and metals payments
Choose WhiteBIT Nova USD if transfers matters most
WhiteBIT Nova USD comes out ahead for Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Apple Pay and Google Pay
- Spend selected exchange assets
- No monthly maintenance fee
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Bitpanda73WhiteBIT Nova USD59
Bitpanda Card has the higher Overall Score by 14 points.
- Entry cost & FX
- Bitpanda$0 plan · 0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable FXWhiteBIT Nova USDNot disclosed plan · 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete FX
Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable vs 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete).
- Purchase rewards
- Bitpanda1% cashbackWhiteBIT Nova USD0% base · up to 10%
Bitpanda Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- BitpandaCustodial balanceWhiteBIT Nova USDCustodial balance
Bitpanda Card and WhiteBIT Nova USD use the same custodial balance setup.
- Everyday access
- BitpandaVirtual + Physical · Apple Pay, Google PayWhiteBIT Nova USDVirtual · Apple Pay, Google Pay
Bitpanda Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Bitpanda2 stablecoins · Stablecoin transfers; EUR SEPA withdrawalWhiteBIT Nova USD2 stablecoins · Stablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
Both cards list the same number of stablecoins and ways to send money out.
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 1%
- Plan cost
- $0
- FX fee
- 0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- ATM fee
- 2%; min €2
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 1 fiat
- Cashback
- 0%-10%
- Plan cost
- Not disclosed
- FX fee
- 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 2 crypto · 1 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsBitpanda CardOverall73WhiteBIT Nova USDOverall59
Bitpanda CardOverall73WhiteBIT Nova USDOverall59Scores
6 fields- Overall Score
- Bitpanda Card73WhiteBIT Nova USD59
- Cashback score
- Bitpanda Card60WhiteBIT Nova USD25
- Travel score
- Bitpanda Card79WhiteBIT Nova USD36
- Funds control score
- Bitpanda Card56WhiteBIT Nova USD49
- Lowest fees score
- Bitpanda Card67WhiteBIT Nova USD60
- Transfers score
- Bitpanda Card85WhiteBIT Nova USD86
Strengths & trade-offs
2 fields- Strengths
- Bitpanda CardNo monthly fee, Apple Pay and Google PayWhiteBIT Nova USDApple Pay and Google Pay, Spend selected exchange assets
- Trade-offs
- Bitpanda CardAsset sale fees on payments, Limited cashback eligibilityWhiteBIT Nova USDA fee on every purchase, Category cashback stops at $25
Costs
7 fields- Plan cost
- Bitpanda Card$0WhiteBIT Nova USDNot disclosed
- FX fee
- Bitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payableWhiteBIT Nova USD1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- Top-up fee
- Bitpanda CardEUR SEPA deposits and withdrawals: no Bitpanda fee. PayPal deposit: 1.49%. Bank charges and other methods may differ. These fund the provider accountWhiteBIT Nova USD0%
- Card spending fee
- Bitpanda CardNot disclosedWhiteBIT Nova USD$0.20 + 1.5%
- ATM fee
- Bitpanda Card2%; min €2WhiteBIT Nova USDNot available
- Virtual card
- Bitpanda CardNot disclosedWhiteBIT Nova USD$0 issuance
- Physical card
- Bitpanda CardFirst card free. One active physical card per user.WhiteBIT Nova USDUnavailable for the current USD product
Plans
2 fields- Available plans
- Bitpanda Card1 plans: StandardWhiteBIT Nova USDNot disclosed
- Top cashback plan
- Bitpanda CardStandard: 1%WhiteBIT Nova USDNot disclosed
Everyday use
8 fields- Network
- Bitpanda CardVisaWhiteBIT Nova USDVisa
- Card formats
- Bitpanda CardVirtual, PhysicalWhiteBIT Nova USDVirtual
- ATM withdrawals
- Bitpanda CardAvailableWhiteBIT Nova USDNot available
- Mobile wallets
- Bitpanda CardApple Pay, Google PayWhiteBIT Nova USDApple Pay, Google Pay
- Apps
- Bitpanda CardiOS, Android, WebWhiteBIT Nova USDWeb
- Daily spending limit
- Bitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.WhiteBIT Nova USDUSD 40,000 daily
- Monthly spending limit
- Bitpanda Card€280,000 per monthWhiteBIT Nova USDUSD 200,000 monthly
- ATM limit
- Bitpanda Card€500 per dayWhiteBIT Nova USDATM withdrawals unavailable; future published limits are not current access.
Funding & transfers
5 fields- Networks
- Bitpanda CardNot disclosedWhiteBIT Nova USDArbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum +9
- Crypto deposits
- Bitpanda CardStablecoins: USDCWhiteBIT Nova USDStablecoins: USDC, USDT
- Fiat deposits
- Bitpanda CardEUR SEPA depositWhiteBIT Nova USDSEPA FINCI to WhiteBIT account
- Transfers
- Bitpanda CardStablecoin transfers; EUR SEPA withdrawalWhiteBIT Nova USDStablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
- Payout currencies
- Bitpanda CardEURWhiteBIT Nova USDEUR
Rewards
3 fields- Base cashback
- Bitpanda Card1%WhiteBIT Nova USD0%
- Max cashback
- Bitpanda Card1%WhiteBIT Nova USD10%
- Reward currency
- Bitpanda CardSame eligible cryptocurrency used for paymentWhiteBIT Nova USDNot disclosed
Earn
5 fields- Advertised APY
- Bitpanda CardNot disclosedWhiteBIT Nova USDNot offered
- How it works
- Bitpanda CardEarn on spending balanceWhiteBIT Nova USDNot offered
- Separate deposit
- Bitpanda CardNoWhiteBIT Nova USDNot offered
- Use balance for spending
- Bitpanda CardYesWhiteBIT Nova USDNot offered
- Lock-up
- Bitpanda CardNoWhiteBIT Nova USDNot offered
Trust & availability
4 fields- Custody
- Bitpanda CardCustodialWhiteBIT Nova USDCustodial
- Control until payment
- Bitpanda CardProvider controls fundsWhiteBIT Nova USDProvider controls funds
- Card issuer
- Bitpanda CardTransact Payments Malta LimitedWhiteBIT Nova USDJSC Hash Bank
- Card processing
- Bitpanda CardMarqetaWhiteBIT Nova USDNot disclosed
Sources
2 fields- Official sources
- Bitpanda Card16WhiteBIT Nova USD17
- Last reviewed
- Bitpanda CardOct 6, 2026WhiteBIT Nova USDOct 16, 2026
04 · The trade-off
Bitpanda Card is the stronger all-round choice
Bitpanda Card finishes ahead with an Overall Score of 73 versus 59 for WhiteBIT Nova USD. Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable vs 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete). Bitpanda Card has the higher published base cashback rate (1% vs 0%).
WhiteBIT Nova USD still comes out ahead for Transfers, which may matter more than the overall result if that is how you plan to use the card. Bitpanda Card and WhiteBIT Nova USD use the same custodial balance setup.
Both cards list the same number of stablecoins and ways to send money out. Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Bitpanda Card and WhiteBIT Nova USD reviews first.
Continue with
Bitpanda Card
Continue with
WhiteBIT Nova USD
05 · Common questions
Bitpanda vs WhiteBIT Nova USD FAQ
Is Bitpanda or WhiteBIT Nova USD better overall?
Bitpanda Card has the higher Overall Score (73 vs 59). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Bitpanda or WhiteBIT Nova USD?
Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable vs 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Bitpanda or WhiteBIT Nova USD?
Bitpanda Card has the higher published base cashback rate (1% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Bitpanda and WhiteBIT Nova USD differ on custody?
Bitpanda Card and WhiteBIT Nova USD use the same custodial balance setup.
How current is this Bitpanda vs WhiteBIT Nova USD comparison?
The latest information check for these two cards was October 16, 2026, using 33 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.