Xapo BankXapo
70
Side-by-side card comparison
Xapo vs WhiteBIT Nova USD: overall score versus use-case fit
Xapo Card has the higher Overall Score by 11 points (70 vs 59). Xapo Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while WhiteBIT Nova USD comes out ahead for Cashback.
Information checked Oct 16, 202638 official sources reviewed
01 · Overall score versus use-case fit
Xapo Card is the better all-round starting point
Xapo Card has the higher Overall Score in this comparison. WhiteBIT Nova USD may be the better fit for Cashback. 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.
OverallXapo70WhiteBIT Nova USD59Higher score
CashbackXapo24WhiteBIT Nova USD25Higher score
TravelXapo91WhiteBIT Nova USD36Higher score
Funds controlXapo64WhiteBIT Nova USD49Higher score
Lowest feesXapo78WhiteBIT Nova USD60Higher score
TransfersXapo100WhiteBIT Nova USD86Higher score
Choose Xapo Card if travel and funds control matter most
Xapo Card comes out ahead for 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.
- No Xapo FX markup
- Account-backed bank and crypto rails
Choose WhiteBIT Nova USD if cashback matters most
WhiteBIT Nova USD comes out ahead for Cashback 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
- Xapo70WhiteBIT Nova USD59
Xapo Card has the higher Overall Score by 11 points.
- Entry cost & FX
- Xapo$1,000/year plan · 0–0.29% 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
Xapo Card has the lower published FX fee (0–0.29% vs 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete).
- Purchase rewards
- Xapo0% base · up to 3%WhiteBIT Nova USD0% base · up to 10%
Both cards show the same base cashback rate of 0%.
- Funds control
- XapoCustodial balanceWhiteBIT Nova USDCustodial balance
Xapo Card and WhiteBIT Nova USD use the same custodial balance setup.
- Everyday access
- XapoVirtual + Physical · UnknownWhiteBIT Nova USDVirtual · Apple Pay, Google Pay
WhiteBIT Nova USD lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Xapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payoutWhiteBIT Nova USD2 stablecoins · Stablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
Xapo Card lists more stablecoins and ways to send money out (8 vs 4).
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%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 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
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
CardsXapo CardOverall70WhiteBIT Nova USDOverall59
Xapo CardOverall70WhiteBIT Nova USDOverall59Scores
6 fields- Overall Score
- Xapo Card70WhiteBIT Nova USD59
- Cashback score
- Xapo Card24WhiteBIT Nova USD25
- Travel score
- Xapo Card91WhiteBIT Nova USD36
- Funds control score
- Xapo Card64WhiteBIT Nova USD49
- Lowest fees score
- Xapo Card78WhiteBIT Nova USD60
- Transfers score
- Xapo Card100WhiteBIT Nova USD86
Strengths & trade-offs
2 fields- Strengths
- Xapo CardNo Xapo FX markup, Account-backed bank and crypto railsWhiteBIT Nova USDApple Pay and Google Pay, Spend selected exchange assets
- Trade-offs
- Xapo Card$1,000 annual membership, Cashback is temporary and capped ambiguouslyWhiteBIT Nova USDA fee on every purchase, Category cashback stops at $25
Costs
7 fields- Plan cost
- Xapo Card$1,000/yearWhiteBIT Nova USDNot disclosed
- FX fee
- Xapo Card0–0.29%WhiteBIT Nova USD1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- Top-up fee
- Xapo CardNo direct card top-up; the Xapo Account balance funds card spendingWhiteBIT Nova USD0%
- Card spending fee
- Xapo Card0%WhiteBIT Nova USD$0.20 + 1.5%
- ATM fee
- Xapo Card0–2%WhiteBIT Nova USDNot available
- Virtual card
- Xapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosedWhiteBIT Nova USD$0 issuance
- Physical card
- Xapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosedWhiteBIT Nova USDUnavailable for the current USD product
Plans
2 fields- Available plans
- Xapo Card1 plans: Xapo Bank membershipWhiteBIT Nova USDNot disclosed
- Top cashback plan
- Xapo CardXapo Bank membership: 0%WhiteBIT Nova USDNot disclosed
Everyday use
8 fields- Network
- Xapo CardVisa/MastercardWhiteBIT Nova USDVisa
- Card formats
- Xapo CardVirtual, PhysicalWhiteBIT Nova USDVirtual
- ATM withdrawals
- Xapo CardAvailableWhiteBIT Nova USDNot available
- Mobile wallets
- Xapo CardNot disclosedWhiteBIT Nova USDApple Pay, Google Pay
- Apps
- Xapo CardiOS, AndroidWhiteBIT Nova USDWeb
- Daily spending limit
- Xapo Card$50,000 daily for point-of-sale and online purchasesWhiteBIT Nova USDUSD 40,000 daily
- Monthly spending limit
- Xapo Card$250,000 monthly under the Visa Europe programmeWhiteBIT Nova USDUSD 200,000 monthly
- ATM limit
- Xapo Card$2,000 daily; Visa Europe also lists $15,000 monthlyWhiteBIT Nova USDATM withdrawals unavailable; future published limits are not current access.
Funding & transfers
5 fields- Networks
- Xapo CardBitcoin, Lightning, Ethereum, Tron, SolanaWhiteBIT Nova USDArbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum +9
- Crypto deposits
- Xapo CardStablecoins: USDC, USDT; Other crypto: BTCWhiteBIT Nova USDStablecoins: USDC, USDT
- Fiat deposits
- Xapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receiveWhiteBIT Nova USDSEPA FINCI to WhiteBIT account
- Transfers
- Xapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payoutWhiteBIT Nova USDStablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
- Payout currencies
- Xapo CardUSD, GBP, EURWhiteBIT Nova USDEUR
Rewards
3 fields- Base cashback
- Xapo Card0%WhiteBIT Nova USD0%
- Max cashback
- Xapo Card3%WhiteBIT Nova USD10%
- Reward currency
- Xapo CardBTCWhiteBIT Nova USDNot disclosed
Earn
5 fields- Advertised APY
- Xapo CardUp to 3.35% APYWhiteBIT Nova USDNot offered
- How it works
- Xapo CardEarn on spending balanceWhiteBIT Nova USDNot offered
- Separate deposit
- Xapo CardNoWhiteBIT Nova USDNot offered
- Use balance for spending
- Xapo CardYesWhiteBIT Nova USDNot offered
- Lock-up
- Xapo CardNoWhiteBIT Nova USDNot offered
Trust & availability
4 fields- Custody
- Xapo CardCustodialWhiteBIT Nova USDCustodial
- Control until payment
- Xapo CardProvider controls fundsWhiteBIT Nova USDProvider controls funds
- Card issuer
- Xapo CardTransact Payments Malta LimitedWhiteBIT Nova USDJSC Hash Bank
- Bank transfers
- Xapo CardXapo Bank LimitedWhiteBIT Nova USDNot disclosed
Sources
2 fields- Official sources
- Xapo Card21WhiteBIT Nova USD17
- Last reviewed
- Xapo CardSep 1, 2026WhiteBIT Nova USDOct 16, 2026
04 · The trade-off
Xapo Card is the stronger all-round choice
Xapo Card finishes ahead with an Overall Score of 70 versus 59 for WhiteBIT Nova USD. Xapo Card has the lower published FX fee (0–0.29% vs 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete). Both cards show the same base cashback rate of 0%.
WhiteBIT Nova USD still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. Xapo Card and WhiteBIT Nova USD use the same custodial balance setup.
Xapo Card lists more stablecoins and ways to send money out (8 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 Xapo Card and WhiteBIT Nova USD reviews first.
Continue with
Xapo Card
Continue with
WhiteBIT Nova USD
05 · Common questions
Xapo vs WhiteBIT Nova USD FAQ
Is Xapo or WhiteBIT Nova USD better overall?
Xapo Card has the higher Overall Score (70 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, Xapo or WhiteBIT Nova USD?
Xapo Card has the lower published FX fee (0–0.29% 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, Xapo or WhiteBIT Nova USD?
Both cards show the same base cashback rate of 0%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Xapo and WhiteBIT Nova USD differ on custody?
Xapo Card and WhiteBIT Nova USD use the same custodial balance setup.
How current is this Xapo vs WhiteBIT Nova USD comparison?
The latest information check for these two cards was October 16, 2026, using 38 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.