Avici Card vs Nexo Card
Crypto native
Crypto native
Verdict
- Avici Card scores higher overall (7.2 vs 6.1 out of 10).
- Avici Card is clearly stronger on: FX & international.
- Nexo Card is clearly stronger on: Credit & financing.
- 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: FX & international
Nexo Card is a good fit for
- Users who need credit rather than a debit/prepaid card
Stronger on: Credit & financing
Score by criterion
| Criterion | Avici Card | Nexo Card |
|---|---|---|
| Fees | 96 | 100 |
| Cashback & rewards | – | 8 |
| Availability | 100 | 100 |
| FX & international | 60 | 20 |
| Product features | – | – |
| Custody & security | 70 | – |
| Credit & financing | 70 | 85 |
| Limits & ATM | – | 80 |
| Transparency | 79 | 86 |
| Best for Cashback | n/a | 4.3 |
| Best for Travel | 6.7 | 5.4 |
| Best for Self-Custody | 6.8 | n/a |
| Best for DeFi Users | 6.8 | 5.5 |
| Best for High Spenders | n/a | 4.5 |
| Best for Low Fees | 7.8 | 7.5 |
| Best for Beginners | 7.5 | 7.1 |
| Best Crypto Credit Card | 7.2 | 7.2 |
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: Crypto Debit & Credit Card (EEA)
Official product page (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
Crypto-backed credit, Debit card*Show source
Card type: Crypto-backed credit, Debit card
Switch mode per payment
Source states (paraphrased): Dual-mode card: Credit Mode (borrow against crypto) and Debit Mode (spend crypto directly).
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Switch mode per payment
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%
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
FreeShow source
Annual fee: Free
Source states (paraphrased): No monthly, annual or inactivity fees.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Monthly fee
FreeShow source
Monthly fee: Free
Source states (paraphrased): No monthly, annual or inactivity fees.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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%
2%*Show source
FX fee: 2%
Weekdays, non-EEA/UK/CH currencies; 0.2% for EEA/UK/CH currencies; higher on weekends
Source states (paraphrased): FX fees on weekdays: 0.2% EEA/UK/CH, 2% rest of world; higher weekend rates.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Weekdays, non-EEA/UK/CH currencies; 0.2% for EEA/UK/CH currencies; higher on weekends
ATM fee
2% (min. €1.99)*Show source
ATM fee: 2% (min. €1.99)
After the free monthly allowance
Source states (paraphrased): 2% fee (min €1.99) per withdrawal above the free limit.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
After the free monthly allowance
Free ATM allowance
€2,000/month*Show source
Free ATM allowance: €2,000/month
Up to; top loyalty tier, lower tiers get less
Source states (paraphrased): Top tier: free ATM withdrawals up to €2,000 / £1,800 per month.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to; top loyalty tier, lower tiers get less
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
Weekend FX surcharge on top of weekday FX ratesShow source
Other fees & markups: Weekend FX surcharge on top of weekday FX rates
Source states (paraphrased): Higher FX rates apply on weekends.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback & rewards
Max cashback
2%*Show source
Max cashback: 2%
Up to; Credit Mode only, depends on loyalty tier
Source states (paraphrased): Up to 2% cashback in NEXO Tokens or Bitcoin on Credit Mode spending.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to; Credit Mode only, depends on loyalty tier
Cashback paid in
NEXO or BTCShow source
Cashback paid in: NEXO or BTC
Source states (paraphrased): Cashback paid in NEXO Tokens or Bitcoin.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback type
Platform tokenShow source
Cashback type: Platform token
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Minimum balance
$5,000*Show source
Minimum balance: $5,000
Digital-asset balance required to earn cashback
Source states (paraphrased): Cashback requires a balance above $5,000 in digital assets.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Digital-asset balance required to earn cashback
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
Yes*Show source
Credit line: Yes
Credit Mode
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Credit Mode
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%
Crypto-backed creditShow source
Credit type: Crypto-backed credit
Source states (paraphrased): Credit Mode borrows against your crypto.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Spend own balance directly
Yes*Show source
Spend own balance directly: Yes
Debit Mode
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Debit Mode
Spend by borrowing against collateral
Yes*Show source
Spend by borrowing against collateral: Yes
Credit Mode
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Credit Mode
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
EEA, United Kingdom, Argentina*Show source
Available in: EEA, United Kingdom, Argentina
Inferred from Nexo's regional card pages (EEA incl. UK pricing, Argentina)
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Inferred from Nexo's regional card pages (EEA incl. UK pricing, Argentina)
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
Nexo Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costs+0 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