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whitebit review

Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

WhiteBit suits European buyers who want a licensed, custodial exchange with a wide coin list and a free Visa card alongside the account. It carries a regulatory licence and steady spot fees, though custody and a maker fee that is not always the cheapest keep the score at 6.5.

Key facts

Best for
EU residents who want a regulated exchange, a broad coin list and a card in one account.
Taker fee
0.1%↗
Coins listed
330↗
Regulators
FMA (Financial Market Authority Austria), National Bank of Georgia, Austrian Financial Market Authority (FMA)↗
Fiat deposit methods
Card, Bank, SEPA, Apple-pay↗
Maker fee
0.1%↗
Withdrawal fee
Varies by method↗
Derivatives
Yes↗
Exchange type
Cex↗
Legal entity
WB-Shields Innovations GmbH↗
Headquarters
Austria↗
Founded
2018↗
Support channels
Email, Chat, Help-centre↗
Features
Custodial
Official website
whitebit.com

Debit cards

Monthly fee
€0↗
Free ATM withdrawals
€0↗
Card type
Debit↗
Cashback rate
10%↗
Card network
Visa↗
Custody
Custodial↗

Crypto wallets

Coins supported
330↗

Facts checked September 26, 2026, 13 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataLinkedInXTrustpilot

Pros and cons

Pros

  • A regulatory licence recorded in Austria, MiCA CASP 254900ERDZ4CZ5IF7P56, gives the account a named authority behind it.
  • Spot fees of 0.1% for taker and 0.1% for maker sit under the 0.2% median across the site.
  • A listing of 330 coins puts WhiteBit well above the 62 median for the exchanges tracked.
  • The card carries no monthly fee at €0 and runs on the visa network, so spending the balance costs nothing to hold.

Cons

  • Assets are held custodially, as custodial states, so the keys sit with the platform rather than with you.
  • The maker fee of 0.1% is not the lowest on the site: 0% shows a lower taker rate elsewhere.
  • Help runs on email, chat and help centre only, with no telephone line listed for account issues.
  • Withdrawal charges are listed as Varies by method, so the cost of moving coins off the platform is not fixed.
whitebit

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Scored 9.2 / 10 by HodlCue.

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Who it suits

  • European buyers who want the coin list and the card in a single custodial account
  • Traders who care more about a broad listing than about the lowest maker rate
  • Anyone who values a named regulatory licence over holding keys themselves

Who should look elsewhere

  • Buyers wanting the lowest trading costs, who may find a cheaper taker rate at ActivTrades
  • Coin holders who insist on self-custody, since assets sit custodially
  • Card users who need a monthly free ATM allowance, as €0 is nil

Regulation

WhiteBit holds a licence recorded in Austria under the Financial Market Authority, with the identifier MiCA CASP 254900ERDZ4CZ5IF7P56. That entry is what separates the platform from offshore venues of the same size, because a named authority means there is a legal entity someone can be asked to answer to. Austrian supervision also frames how the exchange handles client money in the European Union, which matters more to a reader than the size of the coin list. The licence id is worth keeping to hand, because it is the part of the story a reader can check independently of any marketing.

Coins and features

The listing covers 330 coins, well clear of the 62 median across exchanges tracked here. Derivatives are available, so the same account handles spot and leveraged trading rather than pushing you elsewhere. Fiat deposits run through card, bank and sepa methods, which covers the everyday options without a separate funding partner. Custody is custodial, so balances sit with the platform, and the account type is a centralised exchange, the most common setup in this comparison.

Where it sits among rivals

On coins listed, WhiteBit ranks 49 of 172 brands tracked, which places the listing well up the table. On taker fee the rank is 34 of 118, so pricing sits in the middle of the pack. Read together, the picture is a platform with a wide selection and mid-table pricing rather than a bargain on fees. The offer part of the score, 7.4, carries the heavier share of the overall 6.5.

Trading and withdrawal fees

Spot trading costs 0.1% for taker and 0.1% for maker on the standard schedule. Those rates sit under the 0.2% median for the site, and below the upper quartile of 0.55%, so the cost of trading itself is predictable. The comparison with bunq is instructive: 0.25% to 1.99% sets a higher band, and 0% is lower again, which puts WhiteBit in the middle of the range rather than at either end. Withdrawal charges are listed as Varies by method, so budget for moving coins off the platform as well as for trading them.

Safety and regulation

Supervision comes through the regulators listed as FMA (Financial Market Authority Austria), National Bank of Georgia and Austrian Financial Market Authority (FMA), which includes the Austrian authority and the National Bank of Georgia. The licence itself is MiCA CASP 254900ERDZ4CZ5IF7P56, so the entry is tied to a specific legal identity rather than a brand name. Note what this does and does not cover: the licence speaks to the entity and its conduct, while the coins themselves remain exposed to market price swings, and the assets are held custodially. Read the two together, since regulation protects the platform relationship rather than the value of what you hold on it.

Who runs it

The operator is WB-Shields Innovations GmbH, headquartered in Austria, and the platform was founded in 2018. Support runs on email, chat and help centre, which covers written help but no telephone channel for urgent account problems. The regulatory side is anchored by MiCA CASP 254900ERDZ4CZ5IF7P56, so the company name and the licence belong to the same entity. A custodial setup and a help centre rather than a phone line are the two practical points for anyone holding a meaningful balance here.

How whitebit compares

Where whitebit is available

Available
Aland Islands, Albania, Algeria, American Samoa, Andorra, Angola, Anguilla, Antarctica, Antigua and Barbuda, Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bermuda, Bhutan, Bolivia, Bonaire, Sint Eustatius and Saba, Bosnia and Herzegovina, Botswana, Bouvet Island, Brazil, British Indian Ocean Territory, Brunei, Bulgaria, Burkina Faso, Burundi, Cabo Verde, Cambodia, Cameroon, Canada, Cayman Islands, Central African Republic, Chad, Chile, China, Christmas Island, Cocos Islands, Colombia, Comoros, Congo, Cook Islands, Costa Rica, Côte d'Ivoire, Croatia, Curacao, Cyprus, Czechia, Democratic Republic of the Congo, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Eswatini, Ethiopia, Falkland Islands, Faroe Islands, Fiji, Finland, France, French Guiana, French Polynesia, French Southern Territories, Gabon, Gambia, Georgia, Germany, Ghana, Gibraltar, Greece, Greenland, Grenada, Guadeloupe, Guam, Guatemala, Guernsey, Guinea, Guinea-Bissau, Guyana, Haiti, Heard Island and McDonald Islands, Honduras, Hong Kong, Hungary, Iceland, India, Indonesia, Iraq, Ireland, Isle of Man, Israel, Italy, Jamaica, Japan, Jersey, Jordan, Kazakhstan, Kenya, Kiribati, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Libya, Liechtenstein, Lithuania, Luxembourg, Macao, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Martinique, Mauritania, Mauritius, Mayotte, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Montserrat, Morocco, Mozambique, Myanmar, Namibia, Nauru, Nepal, Netherlands, New Caledonia, New Zealand, Nicaragua, Niger, Nigeria, Niue, Norfolk Island, North Macedonia, Northern Mariana Islands, Norway, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Pitcairn Islands, Poland, Portugal, Puerto Rico, Qatar, Reunion, Romania, Rwanda, Saint Barthélemy, Saint Helena, Ascension and Tristan da Cunha, Saint Kitts and Nevis, Saint Lucia, Saint Martin (French Part), Saint Pierre And Miquelon, Saint Vincent and the Grenadines, Samoa, San Marino, São Tomé and Príncipe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Sint Maarten, Slovakia, Slovenia, Solomon Islands, Somalia, South Africa, South Georgia and the South Sandwich Islands, South Korea, South Sudan, Spain, Sri Lanka, Sudan, Suriname, Svalbard and Jan Mayen, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tokelau, Tonga, Trinidad and Tobago, Tunisia, Turkey, Turkmenistan, Turks and Caicos Islands, Tuvalu, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States Minor Outlying Islands, Uruguay, Uzbekistan, Vanuatu, Vatican City, Venezuela, Vietnam, Virgin Islands, British, Virgin Islands, U.S., Wallis and Futuna, Western Sahara, Yemen, Zambia, Zimbabwe
Licence in Austria
FMA (Financial Market Authority Austria), checked September 26, 2026
Licence in Georgia
National Bank of Georgia, 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

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to trade on WhiteBit?+

Spot trading costs 0.1% for taker and 0.1% for maker on the standard schedule. That sits below the 0.2% median for exchanges tracked here, though 0% shows a cheaper taker rate elsewhere. Budget separately for withdrawals, which are listed as Varies by method.

Is WhiteBit regulated?+

WhiteBit is licensed in Austria, with the licence recorded as MiCA CASP 254900ERDZ4CZ5IF7P56. The regulator list also names the National Bank of Georgia. A named authority is the main reason to consider this platform over an unlicensed venue of the same size.

Who holds my crypto on the account?+

Custody is custodial, as custodial records, so balances are held by the platform rather than in a wallet you control. The account type is a centralised exchange, the most common setup in this comparison. If self-custody matters to you, this is the point to check first.

How do I get money into the account?+

Fiat deposits run through card, bank and sepa methods, which covers the common options for European users. The exchange type is a centralised exchange, so funding stays inside the platform rather than routing through a decentralised pool. No other deposit route is listed.

How many coins can I trade?+

The listing covers 330 coins, comfortably above the 62 median across exchanges tracked here. For a longer list, Bitpanda is listed with from 650 coins. Derivatives are also available, so leveraged trading sits in the same account.

Does the WhiteBit card cost anything to hold?+

The card carries a monthly fee of €0, so holding it costs nothing. It runs on the visa network and is a debit card, with cashback of 10% on spend. The free ATM allowance is €0, so cash withdrawals are the weak spot.

Who can I contact if something goes wrong?+

Support runs on email, chat and help centre. Written channels cover most questions, but no telephone line is listed, which matters if an account is locked or a payment is stuck. Plan on using chat or email rather than expecting a call back.

Who is behind the platform?+

The operator is WB-Shields Innovations GmbH, based in Austria, and the exchange was founded in 2018. The Austrian licence MiCA CASP 254900ERDZ4CZ5IF7P56 attaches to that same legal entity, so the company behind the brand is the one under supervision.

Sources

Compiled from 14 source pages, checked September 26, 2026. We did not open an account.

whitebit

whitebit

EU residents who want a regulated exchange, a broad coin list and a card in one account.

9.2/10See alternatives