whitebit review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
WhiteBit turns a crypto balance into a debit Visa card paying cashback of 10% on everyday spend. It suits people who already hold digital assets, and it holds a crypto licence in Austria, though free ATM withdrawals come to €0 and holdings sit with the provider under custodial custody.
Key facts
- Best for
- A free-to-hold Visa card for spending a crypto balance and earning cashback on payments.
- Monthly fee
- €0 (Source, checked September 26, 2026)
- Free ATM withdrawals
- €0 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Cashback rate
- 10% (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Custody
- Custodial (Source, checked September 26, 2026)
- Legal entity
- WB-Shields Innovations GmbH (Source, checked September 26, 2026)
- Headquarters
- Austria (Source, checked September 26, 2026)
- Founded
- 2018 (Source, checked September 26, 2026)
- Features
- Crypto, Virtual card, Travel
- Official website
- whitebit.com
Pros and cons
Pros
- A debit card on the visa network, accepted wherever that network is accepted
- One card covering crypto, virtual card and travel
- Regulated in Austria by the Austrian Financial Market Authority under MiCA CASP 254900ERDZ4CZ5IF7P56
- Cashback of 10% on everyday spend
Cons
- Free ATM withdrawals come to €0, so cash machine use is a paid extra
- The balance is held on a custodial basis, so the provider keeps it rather than you holding the keys
Who it suits
- People who already hold crypto and would rather spend it from a card than leave it on an exchange
- Card users who want cashback of 10% with no monthly charge
- Shoppers who want a virtual card for online payments alongside a physical debit one
Who should look elsewhere
- Wise, if you want an account for holding and converting money rather than a card that spends a crypto balance
- Varo Believe Secured Credit Card, if a secured credit card on a monthly fee of $0 is the route to building a credit record
- Chime Card, if a secured Visa credit card with a monthly fee of $0 suits you better for credit building
How whitebit compares
8.9 vs 9.4
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 9.2
8.9 vs 8.8
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 9.0
8.9 vs 8.8
8.9 vs 8.8
8.9 vs 8.7
8.9 vs 9.2
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 8.8
8.9 vs 9.6
8.9 vs 9.2
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 8.9
8.9 vs 8.8
8.9 vs 8.8- 8.9 vs 8.8
- 8.9 vs 8.8
8.9 vs 8.8
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 8.3
8.9 vs 8.2
8.9 vs 8.0
8.9 vs 8.0
Where whitebit is available
- Licence in Austria
- ESMA CASP register, checked September 26, 2026
- Licence in Austria
- Austrian Financial Market Authority (FMA) (MiCA CASP 254900ERDZ4CZ5IF7P56), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Frequently asked questions
How much does the WhiteBit card cost to keep?+
The monthly fee is €0, so holding the card carries no recurring charge. Spending is what the reward offsets, at 10% cashback, and cash machine withdrawals are a separate cost because free ATM withdrawals come to €0.
Can I get free cash out at an ATM?+
Free ATM withdrawals are €0, so this is not a card for reaching for cash at any price. The €0 monthly fee makes it cheap to hold, but anyone who takes money out regularly should price that before settling on it.
Is WhiteBit regulated?+
WhiteBit is listed in the ESMA CASP register and with the Austrian Financial Market Authority (FMA) under MiCA CASP 254900ERDZ4CZ5IF7P56, which covers the crypto business. The card runs on custodial custody, so the provider holds the balance for you rather than the coins sitting in a wallet you control.
What kind of card do I get?+
It is a debit card on the visa network, and the listed features cover crypto, virtual card and travel. In practice the card draws on a crypto balance, a virtual card forms part of the set for online payments, and travel is a stated use rather than a separate add-on.
How much cashback do I earn?+
Cashback on spend is 10%, and the monthly fee of €0 means there is no charge to offset it. It rewards the crypto you already hold rather than a points or miles scheme, though the rate only matters if everyday spending runs through this card.
Who is behind the card?+
The card sits with WB-Shields Innovations GmbH, registered in Austria and founded 2018. It is a crypto exchange business that issues a card rather than a bank opening an account, so the balance behind the debit card is a crypto balance and the licence covers crypto asset services.
Is it a good card for travel?+
Travel is one of the listed features in crypto, virtual card and travel, and the card runs on the visa network, so acceptance abroad is straightforward. The weak spot on a trip is cash, since free ATM withdrawals come to €0 and the debit card is tied to a crypto balance rather than a local account.
Sources
- coingecko.com/en/exchanges/whitebit checked September 26, 2026
Backs: Founded
“year_established=2018”
- esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“ae_homeMemberState=AT”
- beincrypto.com/learn/whitebit-nova-card-guide checked September 26, 2026
Backs: Features
“WhiteBIT Nova Visa card allows EEA residents to spend crypto with contactless payments”
- blockchainreporter.net/is-whitebit-the-right-exchange-for... checked September 26, 2026
Backs: Card type
“WhiteBIT Nova debit card in partnership with Visa”
- coincodecap.com/whitebit-crypto-card-review checked September 26, 2026
Backs: Cashback rate, Card network
“Up to 10% cashback in BTC - WhiteBIT Card”
- coinpedia.org/exchange/whitebit-exchange-review-features-... checked September 26, 2026
Backs: Free ATM withdrawals, Monthly fee
“minimal ATM charges (EUR 2.00 for withdrawals) - WhiteBIT Nova debit card”
- whitebit.com checked September 26, 2026
Backs: Custody
“96% of assets in cold storage - WhiteBIT exchange”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Protection.
whitebit
A free-to-hold Visa card for spending a crypto balance and earning cashback on payments.