Bybit EUBybit EU
68
Side-by-side card comparison
Bybit EU vs WhiteBIT Nova USD: overall score versus use-case fit
Bybit Card (EU) has the higher Overall Score by 9 points (68 vs 59). Bybit Card (EU) looks stronger for Cashback, Travel, Funds control, and Lowest fees, while WhiteBIT Nova USD comes out ahead for Transfers.
Information checked Oct 16, 202627 official sources reviewed
01 · Overall score versus use-case fit
Bybit Card (EU) is the better all-round starting point
Bybit Card (EU) 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.
OverallBybit EU68WhiteBIT Nova USD59Higher score
CashbackBybit EU47WhiteBIT Nova USD25Higher score
TravelBybit EU87WhiteBIT Nova USD36Higher score
Funds controlBybit EU51WhiteBIT Nova USD49Higher score
Lowest feesBybit EU72WhiteBIT Nova USD60Higher score
TransfersBybit EU79WhiteBIT Nova USD86Higher score
Choose Bybit Card (EU) if cashback and travel matter most
Bybit Card (EU) 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.
- Funding Account connects deposits and card spend
- Lite and Standard card access
- Default applicants start at 1% cashback
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
- Bybit EU68WhiteBIT Nova USD59
Bybit Card (EU) has the higher Overall Score by 9 points.
- Entry cost & FX
- Bybit EU$0 plan · 0.5% 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
Bybit Card (EU) has the lower published FX fee (0.5% vs 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete).
- Purchase rewards
- Bybit EU1% base · up to 10%WhiteBIT Nova USD0% base · up to 10%
Bybit Card (EU) has the higher published base cashback rate (1% vs 0%).
- Funds control
- Bybit EUCustodial balanceWhiteBIT Nova USDCustodial balance
Bybit Card (EU) and WhiteBIT Nova USD use the same custodial balance setup.
- Everyday access
- Bybit EUVirtual + Physical · Apple Pay, Google PayWhiteBIT Nova USDVirtual · Apple Pay, Google Pay
Bybit Card (EU) lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Bybit EU2 stablecoins · Stablecoin transfers; Bybit EU account fiat 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%-10%
- Plan cost
- $0
- FX fee
- 0.5%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 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
CardsBybit Card (EU)Overall68WhiteBIT Nova USDOverall59
Bybit Card (EU)Overall68WhiteBIT Nova USDOverall59Scores
6 fields- Overall Score
- Bybit Card (EU)68WhiteBIT Nova USD59
- Cashback score
- Bybit Card (EU)47WhiteBIT Nova USD25
- Travel score
- Bybit Card (EU)87WhiteBIT Nova USD36
- Funds control score
- Bybit Card (EU)51WhiteBIT Nova USD49
- Lowest fees score
- Bybit Card (EU)72WhiteBIT Nova USD60
- Transfers score
- Bybit Card (EU)79WhiteBIT Nova USD86
Strengths & trade-offs
2 fields- Strengths
- Bybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card accessWhiteBIT Nova USDApple Pay and Google Pay, Spend selected exchange assets
- Trade-offs
- Bybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account modelWhiteBIT Nova USDA fee on every purchase, Category cashback stops at $25
Costs
7 fields- Plan cost
- Bybit Card (EU)$0WhiteBIT Nova USDNot disclosed
- FX fee
- Bybit Card (EU)0.5%WhiteBIT Nova USD1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- Top-up fee
- Bybit Card (EU)Not disclosedWhiteBIT Nova USD0%
- Card spending fee
- Bybit Card (EU)Not disclosedWhiteBIT Nova USD$0.20 + 1.5%
- ATM fee
- Bybit Card (EU)2%WhiteBIT Nova USDNot available
- Virtual card
- Bybit Card (EU)FreeWhiteBIT Nova USD$0 issuance
- Physical card
- Bybit Card (EU)First physical card freeWhiteBIT Nova USDUnavailable for the current USD product
Plans
2 fields- Available plans
- Bybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2WhiteBIT Nova USDNot disclosed
- Top cashback plan
- Bybit Card (EU)VIP 6 / PRO 3-5: 10%WhiteBIT Nova USDNot disclosed
Everyday use
8 fields- Network
- Bybit Card (EU)MastercardWhiteBIT Nova USDVisa
- Card formats
- Bybit Card (EU)Virtual, PhysicalWhiteBIT Nova USDVirtual
- ATM withdrawals
- Bybit Card (EU)AvailableWhiteBIT Nova USDNot available
- Mobile wallets
- Bybit Card (EU)Apple Pay, Google PayWhiteBIT Nova USDApple Pay, Google Pay
- Apps
- Bybit Card (EU)iOS, Android, WebWhiteBIT Nova USDWeb
- Daily spending limit
- Bybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetimeWhiteBIT Nova USDUSD 40,000 daily
- Monthly spending limit
- Bybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetimeWhiteBIT Nova USDUSD 200,000 monthly
- ATM limit
- Bybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per dayWhiteBIT Nova USDATM withdrawals unavailable; future published limits are not current access.
Funding & transfers
5 fields- Networks
- Bybit Card (EU)Not disclosedWhiteBIT Nova USDArbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum +9
- Crypto deposits
- Bybit Card (EU)Other crypto: Supported cryptoWhiteBIT Nova USDStablecoins: USDC, USDT
- Fiat deposits
- Bybit Card (EU)Bybit EU Funding Account depositWhiteBIT Nova USDSEPA FINCI to WhiteBIT account
- Transfers
- Bybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawalWhiteBIT Nova USDStablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
- Payout currencies
- Bybit Card (EU)Not disclosedWhiteBIT Nova USDEUR
Rewards
3 fields- Base cashback
- Bybit Card (EU)1%WhiteBIT Nova USD0%
- Max cashback
- Bybit Card (EU)10%WhiteBIT Nova USD10%
- Reward currency
- Bybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)WhiteBIT Nova USDNot disclosed
Earn
5 fields- Advertised APY
- Bybit Card (EU)Up to 8% APYWhiteBIT Nova USDNot offered
- How it works
- Bybit Card (EU)Not disclosedWhiteBIT Nova USDNot offered
- Separate deposit
- Bybit Card (EU)Not disclosedWhiteBIT Nova USDNot offered
- Use balance for spending
- Bybit Card (EU)Not disclosedWhiteBIT Nova USDNot offered
- Lock-up
- Bybit Card (EU)Not disclosedWhiteBIT Nova USDNot offered
Trust & availability
3 fields- Custody
- Bybit Card (EU)CustodialWhiteBIT Nova USDCustodial
- Control until payment
- Bybit Card (EU)Provider controls fundsWhiteBIT Nova USDProvider controls funds
- Card issuer
- Bybit Card (EU)Harmoniie SAS, Moorwand LtdWhiteBIT Nova USDJSC Hash Bank
Sources
2 fields- Official sources
- Bybit Card (EU)10WhiteBIT Nova USD17
- Last reviewed
- Bybit Card (EU)Oct 11, 2026WhiteBIT Nova USDOct 16, 2026
04 · The trade-off
Bybit Card (EU) is the stronger all-round choice
Bybit Card (EU) finishes ahead with an Overall Score of 68 versus 59 for WhiteBIT Nova USD. Bybit Card (EU) has the lower published FX fee (0.5% vs 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete). Bybit Card (EU) 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. Bybit Card (EU) 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 Bybit Card (EU) and WhiteBIT Nova USD reviews first.
Continue with
Bybit Card (EU)
Continue with
WhiteBIT Nova USD
05 · Common questions
Bybit EU vs WhiteBIT Nova USD FAQ
Is Bybit EU or WhiteBIT Nova USD better overall?
Bybit Card (EU) has the higher Overall Score (68 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, Bybit EU or WhiteBIT Nova USD?
Bybit Card (EU) has the lower published FX fee (0.5% 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, Bybit EU or WhiteBIT Nova USD?
Bybit Card (EU) 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 Bybit EU and WhiteBIT Nova USD differ on custody?
Bybit Card (EU) and WhiteBIT Nova USD use the same custodial balance setup.
How current is this Bybit EU vs WhiteBIT Nova USD comparison?
The latest information check for these two cards was October 16, 2026, using 27 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.