Avici Card vs Bitpanda Card
Crypto native
Crypto native
Verdict
- Bitpanda Card scores higher overall (6.8 vs 6.7 out of 10).
- Avici Card is clearly stronger on: Availability, Product features, Credit & financing, Limits & ATM.
- Bitpanda Card is clearly stronger on: Cashback & rewards, FX & international.
- For 1,500 EUR/month of spend, Bitpanda Card comes out about 211 EUR a year ahead on base-tier terms.
Avici Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Stronger on: Availability, Product features, Credit & financing, Limits & ATM
Bitpanda Card is a good fit for
- Frequent travellers
Stronger on: Cashback & rewards, FX & international
Score by criterion
| Criterion | Avici Card | Bitpanda Card |
|---|---|---|
| Fees | 97 | 100 |
| Cashback & rewards | 0 | 21 |
| Availability | 100 | 70 |
| FX & international | 60 | 100 |
| Product features | 80 | 70 |
| Custody & security | 70 | 75 |
| Credit & financing | 75 | 30 |
| Limits & ATM | 78 | 60 |
| Transparency | 79 | 86 |
| Best for Cashback | 4.3 | 5.2 |
| Best for Travel | 6.9 | 7.9 |
| Best for Self-Custody | 6.4 | n/a |
| Best for DeFi Users | 6.2 | 6.2 |
| Best for Stablecoins | 6.3 | n/a |
| Best for High Spenders | 4.7 | 5.5 |
| Best for Low Fees | 8.2 | 9.2 |
| Best for Beginners | 7.7 | 7.5 |
| Best Crypto Credit Card | 6.7 | n/a |
Product
Product status
ActiveShow source
Product status: Active
Source: Secured Credit Cards
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
ActiveShow source
Product status: Active
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%
Secured credit card backed by your own deposit
Debit cardShow source
Card type: Debit card
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
VisaShow source
Network: Visa
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Funds in a smart contract owned by your wallet; Avici can only withdraw against card charges
Custodial*Show source
Custody model: Custodial
Platform-wide: Bitpanda holds customer crypto assets in custody as trustee (security page, not card-specific)
Source states (paraphrased): we hold them in custody, as a trustee
Source: Security at Bitpanda
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Platform-wide: Bitpanda holds customer crypto assets in custody as trustee (security page, not card-specific)
Card issuer / program manager
Third National*Show source
Card issuer / program manager: Third National
Card access provided by Avici Inc.
Source states (paraphrased): The issuer for this card program is Third National.
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Card access provided by Avici Inc.
Transact Payments Malta LimitedShow source
Card issuer / program manager: Transact Payments Malta Limited
Source states (paraphrased): This Visa card is issued by Transact Payments Malta Limited pursuant to licence by VISA Europe Limited.
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Tiers / plans
Platinum · SignatureShow source
Tiers / plans: Platinum · Signature
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Platinum; Signature costs $30 the first year, then $20/year
FreeShow source
Annual fee: Free
Source states (paraphrased): No card fees, monthly account fees or transaction fees for payments in EUR.
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Monthly fee
FreeShow source
Monthly fee: Free
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Physical card fee
$50*Show source
Physical card fee: $50
Platinum; Signature $75
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Platinum; Signature $75
Free*Show source
Physical card fee: Free
First card and initial shipment free; every additional physical card costs EUR 10
Source states (paraphrased): Initial shipment | Free
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
First card and initial shipment free; every additional physical card costs EUR 10
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Platinum, first card; further cards $10
Replacement fee
€5.90Show source
Replacement fee: €5.90
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 60%
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
Charged by Visa, no Avici markup; terms allow up to 3%
0%*Show source
FX fee: 0%
No Bitpanda fee; Visa's own exchange-rate mark-up applies
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
No Bitpanda fee; Visa's own exchange-rate mark-up applies
Top-up fee
FreeShow source
Top-up fee: Free
Source states (paraphrased): no top-up or withdrawal to wallet fees
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Crypto withdrawal fee
Free*Show source
Crypto withdrawal fee: Free
Withdrawal from card to wallet
Source states (paraphrased): no top-up or withdrawal to wallet fees
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
Withdrawal from card to wallet
ATM fee
$1 + 0.65%*Show source
ATM fee: $1 + 0.65%
Listed as maximum charges; FX fee additionally charged on non-USD withdrawals; balance inquiry and decline fees $0.60 each
Source states (paraphrased): ATM - Withdrawal Fee: $1.00 + 0.65%
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Listed as maximum charges; FX fee additionally charged on non-USD withdrawals; balance inquiry and decline fees $0.60 each
2% (min. €2)*Show source
ATM fee: 2% (min. €2)
Plus local ATM operator fees
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Plus local ATM operator fees
Small transaction fee
Free*Show source
Small transaction fee: Free
No transaction fees
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
No transaction fees
Other fees & markups
Dispute fee of $35 (USDC or USDT), non-refundable; only transactions over $30 can be disputed · Replacing a card (delete and create new) costs the same fees as a new card*Show source
Other fees & markups: Dispute fee of $35 (USDC or USDT), non-refundable; only transactions over $30 can be disputed · Replacing a card (delete and create new) costs the same fees as a new card
No extra charges for Apple Pay / Google Pay spending
Source states (paraphrased): Filing a dispute requires a $35 fee , payable in USDC or USDT .
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
No extra charges for Apple Pay / Google Pay spending
Visa FX mark-up applies on non-EUR transactionsShow source
Other fees & markups: Visa FX mark-up applies on non-EUR transactions
Source states (paraphrased): For non Euro transactions (VISA mark-up fees apply)
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Cashback & rewards
Base cashback
0%*Show source
Base cashback: 0%
No cashback programme (owner research)
Source states (paraphrased): Owner research: Avici has no cashback.
Source: https://avici.money/
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
No cashback programme (owner research)
1%*Show source
Base cashback: 1%
On payments funded with crypto
Source states (paraphrased): Cashback fixed at 1% of all qualifying transactions, no longer determined by BEST VIP level.
Source: Bitpanda Card Product Terms v2.0.0 (1 April 2025)
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
On payments funded with crypto
Max cashback
1%Show source
Max cashback: 1%
Source: Bitpanda Card Product Terms v2.0.0 (1 April 2025)
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
Cashback paid in
BitcoinShow source
Cashback paid in: Bitcoin
Source states (paraphrased): A visa card with Bitcoin cashback
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Cashback type
None*Show source
Cashback type: None
No cashback programme (owner research); the site only lists Visa network benefits
Source states (paraphrased): Owner research: Avici has no cashback.
Source: https://avici.money/
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
No cashback programme (owner research); the site only lists Visa network benefits
Crypto*Show source
Cashback type: Crypto
Paid in the crypto used for the purchase
Source: What is the Bitpanda Card and what are its benefits?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%
Paid in the crypto used for the purchase
Cashback conditions
Purchase must be funded with a crypto asset as the selected payment assetShow source
Cashback conditions: Purchase must be funded with a crypto asset as the selected payment asset
Source states (paraphrased): Cashback is available for purchases made using crypto.
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Staking / holding required for top rewards
NoShow source
Staking / holding required for top rewards: No
Source states (paraphrased): Cashback no longer determined by the customer's BEST VIP level.
Source: Bitpanda Card Product Terms v2.0.0 (1 April 2025)
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Reward exclusions
Payments funded with fiat (EUR) · Payments funded with Bitpanda Stocks · Payments funded with metals · Payments funded with stablecoins · Payments funded with other non-crypto assetsShow source
Reward exclusions: Payments funded with fiat (EUR) · Payments funded with Bitpanda Stocks · Payments funded with metals · Payments funded with stablecoins · Payments funded with other non-crypto assets
Source states (paraphrased): Your payments will be excluded from the Cashback programme if fiat (€), Bitpanda Stocks, Metals, stablecoin and other assets other than crypto are your selected payment asset.
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Credit & financing
Credit line
Yes*Show source
Credit line: Yes
Secured by your own deposit
Source: Secured Credit Cards
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Secured by your own deposit
NoShow source
Credit line: No
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Credit type
Crypto-backed creditShow source
Credit type: Crypto-backed credit
Source: Secured Credit Cards
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
NoneShow source
Credit type: None
Source states (paraphrased): The Bitpanda Card is a debit card, therefore you cannot create any debt when using it.
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Collateral assets
USDCShow source
Collateral assets: USDC
Source states (paraphrased): User deposits USDC in a Loan Escrow smart contract
Source: Secured Credit Cards
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Max loan-to-value
100%*Show source
Max loan-to-value: 100%
Collateral market value in USD must equal each dollar charged; spending limit equals collateral value
Source states (paraphrased): will be required to post Collateral that has Market Value in United States Dollars (“USD”) equal to each dollar that is charged to all of your Avici Cards
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 65%
Collateral market value in USD must equal each dollar charged; spending limit equals collateral value
Interest (APR)
0%*Show source
Interest (APR): 0%
0% interest on all purchases currently; Issuer and Avici reserve the right to introduce interest for new purchases with prior disclosure
Source states (paraphrased): Annual Percentage Rate (APR) for Purchases: 0%
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
0% interest on all purchases currently; Issuer and Avici reserve the right to introduce interest for new purchases with prior disclosure
Grace period
One calendar day before an unpaid obligation triggers a Liquidation Event; additional grace period at Avici/Issuer discretionShow source
Grace period: One calendar day before an unpaid obligation triggers a Liquidation Event; additional grace period at Avici/Issuer discretion
Source states (paraphrased): such payment obligation has not been paid in full by you within one (1) calendar day
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Repayment
Automatic deduction from topped-up USDC balance; no billing cycle or manual repaymentShow source
Repayment: Automatic deduction from topped-up USDC balance; no billing cycle or manual repayment
Source states (paraphrased): There’s no billing cycle or manual repayment. We auto-deduct from your topped-up USDC balance.
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Liquidation risk
Yes*Show source
Liquidation risk: Yes
Liquidation Event if a payment is unpaid after one calendar day or collateral value falls below existing charges
Source states (paraphrased): If a Liquidation Event occurs, only the amount required to repay your outstanding financial obligations to Issuer will be liquidated from your Collateral.
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Liquidation Event if a payment is unpaid after one calendar day or collateral value falls below existing charges
Spend own balance directly
YesShow source
Spend own balance directly: Yes
Source states (paraphrased): enables you to spend funds directly from any of your wallets
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Availability
Available in
AG, Argentina, Australia, BS, BB, BD, BZ, BO, Brazil, KY, Colombia, CR, CI, DO, EC, EG, SV, GH, GD, GT, GY, HN, Hong Kong, Japan, Kenya, Malaysia, Mexico, MA, New Zealand, PK, PA, PY, Peru, Philippines, KN, LC, VC, SN, Singapore, South Africa, SR, Thailand, TT, TC, United Arab Emirates, UG, UY, ZM, United States*Show source
Available in: AG, Argentina, Australia, BS, BB, BD, BZ, BO, Brazil, KY, Colombia, CR, CI, DO, EC, EG, SV, GH, GD, GT, GY, HN, Hong Kong, Japan, Kenya, Malaysia, Mexico, MA, New Zealand, PK, PA, PY, Peru, Philippines, KN, LC, VC, SN, Singapore, South Africa, SR, Thailand, TT, TC, United Arab Emirates, UG, UY, ZM, United States
Explicit list of available regions. USA only in listed supported states (personal accounts: AL, AK, AR, CA, CO, CT, FL, HI, IL, IN, IA, KS, KY, ME, MA, MI, MN, MT, NE, NH, NJ, NY, NC, OK, PA, SC, TX, UT, VA, WV, WY). Page lists 'Dominica Republica' and 'Dominicana' (mapped to DO; Dominica DM ambiguous, left out). Jurisdictions not mentioned may still be restricted.
Source states (paraphrased): Available Regions Prohibited Regions Supported US States Antigua & Barbuda Argentina Australia Bahamas Barbados Bangladesh
Source: Regions and Prohibitions for Avici Card
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Explicit list of available regions. USA only in listed supported states (personal accounts: AL, AK, AR, CA, CO, CT, FL, HI, IL, IN, IA, KS, KY, ME, MA, MI, MN, MT, NE, NH, NJ, NY, NC, OK, PA, SC, TX, UT, VA, WV, WY). Page lists 'Dominica Republica' and 'Dominicana' (mapped to DO; Dominica DM ambiguous, left out). Jurisdictions not mentioned may still be restricted.
Euro area*Show source
Available in: Euro area
Residents of euro-area countries with a verified account; not for users verified via Bankident
Source states (paraphrased): The card requires a verified account and residence in a country that uses the euro.
Source: What is the Bitpanda Card and what are its benefits?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
Residents of euro-area countries with a verified account; not for users verified via Bankident
Not available in
BY, CN, CU, India, IR, IQ, Israel, MM, NP, NI, KP, RU, SY, Turkey, Ukraine, VE, Vietnam*Show source
Not available in: BY, CN, CU, India, IR, IQ, Israel, MM, NP, NI, KP, RU, SY, Turkey, Ukraine, VE, Vietnam
Card unavailable to residents; China = Mainland. Card also cannot be used to spend in CU, IR, KP, RU, SY, UA, VE
Source states (paraphrased): Avici Card services are unavailable for users to residents of the following countries:
Source: Regions and Prohibitions for Avici Card
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Card unavailable to residents; China = Mainland. Card also cannot be used to spend in CU, IR, KP, RU, SY, UA, VE
Account / spend currencies
USD*Show source
Account / spend currencies: USD
Foreign-currency transactions are converted into USD
Source states (paraphrased): the credit card association will convert any transaction in foreign currency into U.S. dollars
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Foreign-currency transactions are converted into USD
EURShow source
Account / spend currencies: EUR
Source states (paraphrased): The Bitpanda Card is nominated in EUR and all related transactions are processed in EUR.
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Features
Apple Pay
YesShow source
Apple Pay: Yes
Source states (paraphrased): just add it to apple pay or google pay and start spending online or offline immediately
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
YesShow source
Apple Pay: Yes
Source states (paraphrased): Pay quickly and safely with Apple Pay
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Google Pay
YesShow source
Google Pay: Yes
Source states (paraphrased): just add it to apple pay or google pay and start spending online or offline immediately
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Physical card
Yes*Show source
Physical card: Yes
Issuer may limit the number of physical cards
Source states (paraphrased): limit the number of physical or virtual Avici Cards provided to you
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 65%
Issuer may limit the number of physical cards
YesShow source
Physical card: Yes
Source states (paraphrased): Every additional physical card
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Virtual card
Yes*Show source
Virtual card: Yes
Issuer may limit the number of virtual cards
Source states (paraphrased): limit the number of physical or virtual Avici Cards provided to you
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 65%
Issuer may limit the number of virtual cards
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): ATM - Withdrawal Fee: $1.00 + 0.65%
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): You can use it for online payments, to pay for your groceries at the supermarket or to make ATM withdrawals.
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Spend stablecoins
Yes*Show source
Spend stablecoins: Yes
USDC deposit backs the USD credit balance
Source states (paraphrased): We use the deposited USDC to create USD Credit balance on the card.
Source: Secured Credit Cards
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
USDC deposit backs the USD credit balance
Travel / rental car insurance
Yes*Show source
Travel / rental car insurance: Yes
Visa benefits: complimentary rental car insurance; trip cancellation and lost luggage cover
Source states (paraphrased): Auto Rental Insurances: complimentary rental car insurance for accidents or theft
Source: https://avici.money/
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Visa benefits: complimentary rental car insurance; trip cancellation and lost luggage cover
Spendable assets
USDC*Show source
Spendable assets: USDC
Charges are auto-deducted from the topped-up USDC balance; list may not be exhaustive
Source states (paraphrased): We auto-deduct from your topped-up USDC balance.
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Charges are auto-deducted from the topped-up USDC balance; list may not be exhaustive
All cryptocurrencies listed on Bitpanda · All precious metals listed on Bitpanda · EUR*Show source
Spendable assets: All cryptocurrencies listed on Bitpanda · All precious metals listed on Bitpanda · EUR
Bitpanda Crypto Indices excluded; other fiat currencies not supported; page also says 600+ crypto assets
Source states (paraphrased): All cryptocurrencies listed on Bitpanda
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Bitpanda Crypto Indices excluded; other fiat currencies not supported; page also says 600+ crypto assets
Blockchains
Ethereum · Polygon · Optimism · Arbitrum*Show source
Blockchains: Ethereum · Polygon · Optimism · Arbitrum
Terms define 'Supported Blockchains' (spelled 'Arbitrium' on the page); others may be added at Issuer's discretion
Source states (paraphrased): means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain and other blockchain networks
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 50%
Terms define 'Supported Blockchains' (spelled 'Arbitrium' on the page); others may be added at Issuer's discretion
Limits
ATM limit
$3,000*Show source
ATM limit: $3,000
Per day, both tiers; $1000 per transaction, max 3 ATM transactions per day
Source states (paraphrased): $1000 per txn $3000 per day
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Per day, both tiers; $1000 per transaction, max 3 ATM transactions per day
€500*Show source
ATM limit: €500
Per day
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Per day
Spending limit
€10,000*Show source
Spending limit: €10,000
Per day; weekly EUR 70,000, monthly EUR 280,000
Source states (paraphrased): Daily Expenditure | €10,000
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Per day; weekly EUR 70,000, monthly EUR 280,000
Security & custody
Regulation / licences
Bitpanda Payments GmbH: PSD2 payment service provider licence, E-Money Institution*Show source
Regulation / licences: Bitpanda Payments GmbH: PSD2 payment service provider licence, E-Money Institution
Bitpanda Group platform-level licences (MiFID II, E-Money, PSD II)
Source states (paraphrased): Bitpanda Payments GmbH possesses a payment service provider licence under PSD2, recently becoming an E-Money Institute
Source: Security at Bitpanda
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Bitpanda Group platform-level licences (MiFID II, E-Money, PSD II)
Smart-contract risk
YesShow source
Smart-contract risk: Yes
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Annual cost at 1,500 EUR/month
Avici Card
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costs−19 EUR
- Cashback+0 EUR
- Net annual value-55 EUR
Bitpanda Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−24 EUR
- Cashback+180 EUR
- Net annual value156 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers