Avici Card vs N26
Crypto native
E-money / FinTech
Verdict
- At least one of the two cards does not have enough published data for an overall score.
- Avici Card is clearly stronger on: Availability.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Avici Card is a good fit for
- People who want to keep control of their keys
- Users who need credit rather than a debit/prepaid card
Stronger on: Availability
N26 is a good fit for
- No specific audience can be derived from the published data yet.
Score by criterion
| Criterion | Avici Card | N26 |
|---|---|---|
| Fees | 96 | 100 |
| Cashback & rewards | – | – |
| Availability | 100 | 80 |
| FX & international | 60 | – |
| Product features | – | – |
| Custody & security | 70 | – |
| Credit & financing | 70 | – |
| Limits & ATM | – | 80 |
| Transparency | 79 | – |
| Best for Travel | 6.7 | n/a |
| Best for Self-Custody | 6.8 | n/a |
| Best for DeFi Users | 6.8 | n/a |
| Best for Low Fees | 7.8 | 7.7 |
| Best for Beginners | 7.5 | n/a |
| Best Crypto Credit Card | 7.2 | n/a |
| Best E-Money Card | n/a | 7.3 |
Product
Product status
ActiveShow source
Product status: Active
Source: Secured Credit Cards
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ActiveShow source
Product status: Active
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
Crypto-backed credit*Show source
Card type: Crypto-backed credit
Secured credit card backed by your own deposit
Source: Secured Credit Cards
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Secured credit card backed by your own deposit
Network
VisaShow source
Network: Visa
Source states (paraphrased): Works anywhere a Visa international card is accepted.
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Custody model
Self-custody*Show source
Custody model: Self-custody
Funds in a smart contract owned by your wallet; Avici can only withdraw against card charges
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Funds in a smart contract owned by your wallet; Avici can only withdraw against card charges
Tiers / plans
Platinum · SignatureShow source
Tiers / plans: Platinum · Signature
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Standard (free) · Smart €4.90/mo · Go €9.90/mo · Metal €16.90/mo*Show source
Tiers / plans: Standard (free) · Smart €4.90/mo · Go €9.90/mo · Metal €16.90/mo
Belgium/Spain pricing; EU page lists Smart at €9.90
Source: Bank for free with an N26 account (Belgium)
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Belgium/Spain pricing; EU page lists Smart at €9.90
Fees
Annual fee
Free*Show source
Annual fee: Free
Platinum; Signature costs $30 the first year, then $20/year
Source states (paraphrased): Platinum: one-time fee, no recurring charges. Signature: $30 first year, then $20 annually.
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Platinum; Signature costs $30 the first year, then $20/year
Monthly fee
Free*Show source
Monthly fee: Free
Standard account
Source: Bank for free with an N26 account (Belgium)
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Standard account
Physical card fee
$50*Show source
Physical card fee: $50
Platinum; Signature $75
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Platinum; Signature $75
Virtual card fee
$15*Show source
Virtual card fee: $15
Platinum, first card; further cards $10
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Platinum, first card; further cards $10
FX fee
1%*Show source
FX fee: 1%
Charged by Visa, no Avici markup; terms allow up to 3%
Source states (paraphrased): Foreign Exchange Fee (non USD): up to 3%, currently 1% (charged by Visa, no markup from Avici).
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Charged by Visa, no Avici markup; terms allow up to 3%
ATM fee
€2*Show source
ATM fee: €2
Euro withdrawals above the free quota (Standard 2/month, Smart 3, Go 5, Metal 8 in DE, FR and rest of Europe)
Source: Withdraw Cash for Free
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Euro withdrawals above the free quota (Standard 2/month, Smart 3, Go 5, Metal 8 in DE, FR and rest of Europe)
Small transaction fee
Free*Show source
Small transaction fee: Free
No transaction fees
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
No transaction fees
Other fees & markups
1.7% fee on foreign-currency ATM withdrawals with Standard and Smart (free with Go and Metal)Show source
Other fees & markups: 1.7% fee on foreign-currency ATM withdrawals with Standard and Smart (free with Go and Metal)
Source: Withdraw Cash for Free
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Credit & financing
Credit line
Yes*Show source
Credit line: Yes
Secured by your own deposit
Source: Secured Credit Cards
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Secured by your own deposit
Credit type
Crypto-backed creditShow source
Credit type: Crypto-backed credit
Source: Secured Credit Cards
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Availability
Available in
Global*Show source
Available in: Global
Except prohibited regions; US only in supported states
Source: Regions and Prohibitions for Avici Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Except prohibited regions; US only in supported states
Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland*Show source
Available in: Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland
24 markets; France excludes overseas territories; residency requirements apply
Source states (paraphrased): N26 currently operates in 24 markets (list on the support page).
Source: Availability across Countries
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
24 markets; France excludes overseas territories; residency requirements apply
Not available in
BY, CN, CU, India, IR, IQ, Israel, MM, NP, NI, KP, RU, LK, SY, Turkey, Ukraine, VE, VietnamShow source
Not available in: BY, CN, CU, India, IR, IQ, Israel, MM, NP, NI, KP, RU, LK, SY, Turkey, Ukraine, VE, Vietnam
Source: Regions and Prohibitions for Avici Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Security & custody
Smart-contract risk
YesShow source
Smart-contract risk: Yes
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Annual cost at 1,500 EUR/month
Avici Card
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
N26
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs−24 EUR
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers