WirexWirex One
77
Side-by-side card comparison
Wirex One vs WhiteBIT Nova USD: fees, rewards and account setup
Wirex One Card has the higher Overall Score by 18 points (77 vs 59). Wirex One Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where WhiteBIT Nova USD may still be the better personal fit.
Information checked Oct 16, 202653 official sources reviewed
01 · Make the first cut
Wirex One Card is the better all-round starting point
Wirex One Card has the higher Overall Score in this comparison. WhiteBIT Nova USD may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallWirex One77WhiteBIT Nova USD59Higher score
CashbackWirex One70WhiteBIT Nova USD25Higher score
TravelWirex One85WhiteBIT Nova USD36Higher score
Funds controlWirex One73WhiteBIT Nova USD49Higher score
Lowest feesWirex One68WhiteBIT Nova USD60Higher score
TransfersWirex One94WhiteBIT Nova USD86Higher score
Choose Wirex One Card if cashback and travel matter most
Wirex One Card comes out ahead for Cashback, Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Five current card tiers
- 0.5% to 8% cashback in USD
- Self-custodial digital assets
Choose WhiteBIT Nova USD if its day-to-day setup suits you
WhiteBIT Nova USD does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Apple Pay and Google Pay
- Spend selected exchange assets
- No monthly maintenance fee
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Wirex One77WhiteBIT Nova USD59
Wirex One Card has the higher Overall Score by 18 points.
- Entry cost & FX
- Wirex One$0 plan · 0% 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
Wirex One Card has the lower published FX fee (0% vs 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete).
- Purchase rewards
- Wirex One0.5% base · up to 8%WhiteBIT Nova USD0% base · up to 10%
Wirex One Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- Wirex OneNon-custodial accountWhiteBIT Nova USDCustodial balance
Wirex One Card uses a non-custodial account 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
- Wirex OneVirtual + Physical · Apple Pay, Google PayWhiteBIT Nova USDVirtual · Apple Pay, Google Pay
Wirex One Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Wirex One3 stablecoins · Stablecoin transfers; Pay to an external card, Bank account payoutsWhiteBIT Nova USD2 stablecoins · Stablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
Wirex One Card lists more stablecoins and ways to send money out (6 vs 4).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 0.5%-8%
- Plan cost
- $0
- FX fee
- 0%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 2 fiat
- Payout methods
- 3 crypto · 3 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
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03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsWirex One CardOverall77WhiteBIT Nova USDOverall59
Wirex One CardOverall77WhiteBIT Nova USDOverall59Scores
6 fields- Overall Score
- Wirex One Card77WhiteBIT Nova USD59
- Cashback score
- Wirex One Card70WhiteBIT Nova USD25
- Travel score
- Wirex One Card85WhiteBIT Nova USD36
- Funds control score
- Wirex One Card73WhiteBIT Nova USD49
- Lowest fees score
- Wirex One Card68WhiteBIT Nova USD60
- Transfers score
- Wirex One Card94WhiteBIT Nova USD86
Strengths & trade-offs
2 fields- Strengths
- Wirex One CardFive current card tiers, 0.5% to 8% cashback in USDWhiteBIT Nova USDApple Pay and Google Pay, Spend selected exchange assets
- Trade-offs
- Wirex One CardHigher tiers require WPAY exposure, Limits remain region-specificWhiteBIT Nova USDA fee on every purchase, Category cashback stops at $25
Costs
7 fields- Plan cost
- Wirex One Card$0WhiteBIT Nova USDNot disclosed
- FX fee
- Wirex One Card0%WhiteBIT Nova USD1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- Top-up fee
- Wirex One CardNot disclosedWhiteBIT Nova USD0%
- Card spending fee
- Wirex One CardNot disclosedWhiteBIT Nova USD$0.20 + 1.5%
- ATM fee
- Wirex One Card2%WhiteBIT Nova USDNot available
- Virtual card
- Wirex One CardIncluded on every membership tierWhiteBIT Nova USD$0 issuance
- Physical card
- Wirex One CardPlastic from Premium; Visa Signature Metal from PrivateWhiteBIT Nova USDUnavailable for the current USD product
Plans
2 fields- Available plans
- Wirex One Card5 plans: Base, Premium, Elite, Private +1WhiteBIT Nova USDNot disclosed
- Top cashback plan
- Wirex One CardBespoke: 8%WhiteBIT Nova USDNot disclosed
Everyday use
8 fields- Network
- Wirex One CardVisaWhiteBIT Nova USDVisa
- Card formats
- Wirex One CardVirtual, PhysicalWhiteBIT Nova USDVirtual
- ATM withdrawals
- Wirex One CardAvailableWhiteBIT Nova USDNot available
- Mobile wallets
- Wirex One CardApple Pay, Google PayWhiteBIT Nova USDApple Pay, Google Pay
- Apps
- Wirex One CardiOS, AndroidWhiteBIT Nova USDWeb
- Daily spending limit
- Wirex One CardEEA card-spend limit: €30,000/day and €30,000 per transaction; other regions are shown in appWhiteBIT Nova USDUSD 40,000 daily
- Monthly spending limit
- Wirex One CardEEA card-spend limit: €30,000/month; other regions are shown in appWhiteBIT Nova USDUSD 200,000 monthly
- ATM limit
- Wirex One CardEEA physical/Metal ATM limit: €500/day, €5,000/month and 5 withdrawals/day; 2% above the free allowanceWhiteBIT Nova USDATM withdrawals unavailable; future published limits are not current access.
Funding & transfers
5 fields- Networks
- Wirex One CardNot disclosedWhiteBIT Nova USDArbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum +9
- Crypto deposits
- Wirex One CardStablecoins: USDC, USDT, EURCWhiteBIT Nova USDStablecoins: USDC, USDT
- Fiat deposits
- Wirex One CardBank funding, External card top-upWhiteBIT Nova USDSEPA FINCI to WhiteBIT account
- Transfers
- Wirex One CardStablecoin transfers; Pay to an external card, Bank account payoutsWhiteBIT Nova USDStablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
- Payout currencies
- Wirex One CardUSD, EUR, GBPWhiteBIT Nova USDEUR
Rewards
3 fields- Base cashback
- Wirex One Card0.5%WhiteBIT Nova USD0%
- Max cashback
- Wirex One Card8%WhiteBIT Nova USD10%
- Reward currency
- Wirex One CardUSD cashbackWhiteBIT Nova USDNot disclosed
Earn
5 fields- Advertised APY
- Wirex One CardNot offeredWhiteBIT Nova USDNot offered
- How it works
- Wirex One CardNot offeredWhiteBIT Nova USDNot offered
- Separate deposit
- Wirex One CardNot offeredWhiteBIT Nova USDNot offered
- Use balance for spending
- Wirex One CardNot offeredWhiteBIT Nova USDNot offered
- Lock-up
- Wirex One CardNot offeredWhiteBIT Nova USDNot offered
Trust & availability
5 fields- Custody
- Wirex One CardNon-custodialWhiteBIT Nova USDCustodial
- Control until payment
- Wirex One CardNot disclosedWhiteBIT Nova USDProvider controls funds
- Card issuer
- Wirex One CardTransact Payments Malta Limited, Novatti Group LimitedWhiteBIT Nova USDJSC Hash Bank
- Custody / key management
- Wirex One CardPrivy Technologies, Inc.WhiteBIT Nova USDNot disclosed
- Programme operator
- Wirex One CardUAB WirexWhiteBIT Nova USDNot disclosed
Sources
2 fields- Official sources
- Wirex One Card36WhiteBIT Nova USD17
- Last reviewed
- Wirex One CardAug 12, 2026WhiteBIT Nova USDOct 16, 2026
04 · The takeaway
Wirex One Card is the stronger all-round choice
Wirex One Card finishes ahead with an Overall Score of 77 versus 59 for WhiteBIT Nova USD. Wirex One Card has the lower published FX fee (0% vs 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete). Wirex One Card has the higher published base cashback rate (0.5% vs 0%).
WhiteBIT Nova USD can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Wirex One Card uses a non-custodial account 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.
Wirex One Card lists more stablecoins and ways to send money out (6 vs 4). 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 Wirex One Card and WhiteBIT Nova USD reviews first.
Continue with
Wirex One Card
Continue with
WhiteBIT Nova USD
05 · Common questions
Wirex One vs WhiteBIT Nova USD FAQ
Is Wirex One or WhiteBIT Nova USD better overall?
Wirex One Card has the higher Overall Score (77 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, Wirex One or WhiteBIT Nova USD?
Wirex One Card has the lower published FX fee (0% 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, Wirex One or WhiteBIT Nova USD?
Wirex One 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 Wirex One and WhiteBIT Nova USD differ on custody?
Wirex One Card uses a non-custodial account 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 Wirex One vs WhiteBIT Nova USD comparison?
The latest information check for these two cards was October 16, 2026, using 53 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.