HolyheldHolyheld
75
Side-by-side card comparison
Holyheld vs WhiteBIT Nova USD: overall score versus use-case fit
Holyheld Card has the higher Overall Score by 16 points (75 vs 59). Holyheld Card looks stronger for Cashback, Travel, Funds control, and Lowest fees, while WhiteBIT Nova USD comes out ahead for Transfers.
Information checked Oct 16, 202645 official sources reviewed
01 · Overall score versus use-case fit
Holyheld Card is the better all-round starting point
Holyheld 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.
OverallHolyheld75WhiteBIT Nova USD59Higher score
CashbackHolyheld64WhiteBIT Nova USD25Higher score
TravelHolyheld68WhiteBIT Nova USD36Higher score
Funds controlHolyheld74WhiteBIT Nova USD49Higher score
Lowest feesHolyheld67WhiteBIT Nova USD60Higher score
TransfersHolyheld81WhiteBIT Nova USD86Higher score
Choose Holyheld Card if cashback and travel matter most
Holyheld 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.
- Self-custody crypto before card top-up
- Virtual, physical and metal Mastercard
- Personal IBAN and SEPA transfers
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
- Holyheld75WhiteBIT Nova USD59
Holyheld Card has the higher Overall Score by 16 points.
- Entry cost & FX
- Holyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency 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
WhiteBIT Nova USD has the lower published FX fee (1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- Holyheld0.5% base · up to 1%WhiteBIT Nova USD0% base · up to 10%
Holyheld Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- HolyheldHybrid custodyWhiteBIT Nova USDCustodial balance
Holyheld Card uses a hybrid custody setup, while WhiteBIT Nova USD uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- HolyheldVirtual + Physical · Apple Pay, Google PayWhiteBIT Nova USDVirtual · Apple Pay, Google Pay
Holyheld Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Holyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transferWhiteBIT 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
- 0.5%-1%
- Plan cost
- $0
- FX fee
- Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- ATM fee
- Up to EUR 2 + 2.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 3 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
CardsHolyheld CardOverall75WhiteBIT Nova USDOverall59
Holyheld CardOverall75WhiteBIT Nova USDOverall59Scores
6 fields- Overall Score
- Holyheld Card75WhiteBIT Nova USD59
- Cashback score
- Holyheld Card64WhiteBIT Nova USD25
- Travel score
- Holyheld Card68WhiteBIT Nova USD36
- Funds control score
- Holyheld Card74WhiteBIT Nova USD49
- Lowest fees score
- Holyheld Card67WhiteBIT Nova USD60
- Transfers score
- Holyheld Card81WhiteBIT Nova USD86
Strengths & trade-offs
2 fields- Strengths
- Holyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal MastercardWhiteBIT Nova USDApple Pay and Google Pay, Spend selected exchange assets
- Trade-offs
- Holyheld CardCountry eligibility is incomplete, Foreign spend can be expensiveWhiteBIT Nova USDA fee on every purchase, Category cashback stops at $25
Costs
7 fields- Plan cost
- Holyheld Card$0WhiteBIT Nova USDNot disclosed
- FX fee
- Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currencyWhiteBIT Nova USD1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- Top-up fee
- Holyheld Card0%WhiteBIT Nova USD0%
- Card spending fee
- Holyheld Card€0.50WhiteBIT Nova USD$0.20 + 1.5%
- ATM fee
- Holyheld CardUp to EUR 2 + 2.5%WhiteBIT Nova USDNot available
- Virtual card
- Holyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual accessWhiteBIT Nova USD$0 issuance
- Physical card
- Holyheld CardClassic: EUR 29; Metal: EUR 199WhiteBIT Nova USDUnavailable for the current USD product
Plans
2 fields- Available plans
- Holyheld Card3 plans: Classic, Limited Edition, MetalWhiteBIT Nova USDNot disclosed
- Top cashback plan
- Holyheld CardMetal: 1%WhiteBIT Nova USDNot disclosed
Everyday use
8 fields- Network
- Holyheld CardMastercardWhiteBIT Nova USDVisa
- Card formats
- Holyheld CardVirtual, PhysicalWhiteBIT Nova USDVirtual
- ATM withdrawals
- Holyheld CardAvailableWhiteBIT Nova USDNot available
- Mobile wallets
- Holyheld CardApple Pay, Google PayWhiteBIT Nova USDApple Pay, Google Pay
- Apps
- Holyheld CardiOS, Android, WebWhiteBIT Nova USDWeb
- Daily spending limit
- Holyheld CardEUR 10,000 dailyWhiteBIT Nova USDUSD 40,000 daily
- Monthly spending limit
- Holyheld CardEUR 25,000 monthly; EUR 250,000 annuallyWhiteBIT Nova USDUSD 200,000 monthly
- ATM limit
- Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 daysWhiteBIT Nova USDATM withdrawals unavailable; future published limits are not current access.
Funding & transfers
5 fields- Networks
- Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2WhiteBIT Nova USDArbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum +9
- Crypto deposits
- Holyheld CardStablecoins: USDC, USDTWhiteBIT Nova USDStablecoins: USDC, USDT
- Fiat deposits
- Holyheld CardPersonal EUR IBANWhiteBIT Nova USDSEPA FINCI to WhiteBIT account
- Transfers
- Holyheld CardStablecoin transfers; Outgoing SEPA transferWhiteBIT Nova USDStablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
- Payout currencies
- Holyheld CardEURWhiteBIT Nova USDEUR
Rewards
3 fields- Base cashback
- Holyheld Card0.5%WhiteBIT Nova USD0%
- Max cashback
- Holyheld Card1%WhiteBIT Nova USD10%
- Reward currency
- Holyheld CardUSDCWhiteBIT Nova USDNot disclosed
Earn
5 fields- Advertised APY
- Holyheld CardNot disclosedWhiteBIT Nova USDNot offered
- How it works
- Holyheld CardOptional earn vaultWhiteBIT Nova USDNot offered
- Separate deposit
- Holyheld CardYesWhiteBIT Nova USDNot offered
- Use balance for spending
- Holyheld CardNot disclosedWhiteBIT Nova USDNot offered
- Lock-up
- Holyheld CardNoWhiteBIT Nova USDNot offered
Trust & availability
5 fields- Custody
- Holyheld CardHybrid custodyWhiteBIT Nova USDCustodial
- Control until payment
- Holyheld CardProvider controls fundsWhiteBIT Nova USDProvider controls funds
- Card issuer
- Holyheld CardUnlimit EU LtdWhiteBIT Nova USDJSC Hash Bank
- Identity verification
- Holyheld CardSumsub / IdenfyWhiteBIT Nova USDNot disclosed
- Programme operator
- Holyheld CardHolyheld Labs AGWhiteBIT Nova USDNot disclosed
Sources
2 fields- Official sources
- Holyheld Card28WhiteBIT Nova USD17
- Last reviewed
- Holyheld CardSep 9, 2026WhiteBIT Nova USDOct 16, 2026
04 · The trade-off
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 59 for WhiteBIT Nova USD. WhiteBIT Nova USD has the lower published FX fee (1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Holyheld Card has the higher published base cashback rate (0.5% 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. Holyheld Card uses a hybrid custody setup, while WhiteBIT Nova USD uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
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 Holyheld Card and WhiteBIT Nova USD reviews first.
Continue with
Holyheld Card
Continue with
WhiteBIT Nova USD
05 · Common questions
Holyheld vs WhiteBIT Nova USD FAQ
Is Holyheld or WhiteBIT Nova USD better overall?
Holyheld Card has the higher Overall Score (75 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, Holyheld or WhiteBIT Nova USD?
WhiteBIT Nova USD has the lower published FX fee (1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Holyheld or WhiteBIT Nova USD?
Holyheld Card has the higher published base cashback rate (0.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Holyheld and WhiteBIT Nova USD differ on custody?
Holyheld Card uses a hybrid custody setup, while WhiteBIT Nova USD uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Holyheld vs WhiteBIT Nova USD comparison?
The latest information check for these two cards was October 16, 2026, using 45 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.