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Avici Card vs Krak Card

Avici Card

Crypto native

6.1
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Krak Card

Crypto native

7.4
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Verdict

  • Krak Card scores higher overall (7.4 vs 6.1 out of 10).
  • Avici Card is clearly stronger on: Product features, Credit & financing.
  • Krak Card is clearly stronger on: Cashback & rewards, Availability, FX & international, Limits & ATM, Transparency.
  • For 1,500 EUR/month of spend, Krak Card comes out about 55 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: Product features, Credit & financing

Krak Card is a good fit for

  • Frequent travellers

Stronger on: Cashback & rewards, Availability, FX & international, Limits & ATM, Transparency

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

Why we recommend it

  • 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
  • 5.35% variable interest on your balanceConditions apply
  • No annual or monthly fee on the base tierConditions apply
  • Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
  • Self-custody: funds stay in your own walletConditions apply
Get the card
Review & sourcesAvici Card vs ether.fi CashKrak Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionAvici CardKrak Card
Fees97100
Cashback & rewards021
Availability5793
FX & international60100
Product features8070
Custody & security7075
Credit & financing7530
Limits & ATM78100
Transparency86100
Best for Cashback3.95.7
Best for Travel6.58.8
Best for Self-Custody6.4n/a
Best for DeFi Users6.26.3
Best for Stablecoins6.3n/a
Best for High Spenders4.76.0
Best for Low Fees8.310.0
Best for Beginners7.28.1
Best Crypto Credit Card6.8n/a

Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.

Product

Product status

ActiveShow source
ActiveShow source

Card type

Crypto-backed creditConditions apply: tap or hover for detailsShow source

Secured credit card backed by your own deposit

Debit cardShow source

Network

VisaShow source
MastercardConditions apply: tap or hover for detailsShow source

UK and EEA; the US card is a Visa

Custody model

Self-custodyConditions apply: tap or hover for detailsShow source

Funds in a smart contract owned by your wallet; Avici can only withdraw against card charges

CustodialConditions apply: tap or hover for detailsShow source

Card spends the Krak account balance (e-money and crypto held by Kraken)

Card issuer / program manager

Third NationalConditions apply: tap or hover for detailsShow source

Card access provided by Avici Inc.

Monavate (UK) / UAB Monavate (EEA); e-money by Payward Ireland LimitedShow source

Tiers / plans

Platinum · SignatureShow source
Starter · Lite · Pro · Elite · MaxConditions apply: tap or hover for detailsShow source

Cashback tier by 30-day average assets held

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

Platinum; Signature costs $30 the first year, then $20/year

FreeShow source

Monthly fee

No data yet
FreeShow source

Physical card fee

$50Conditions apply: tap or hover for detailsShow source

Platinum; Signature $75

FreeConditions apply: tap or hover for detailsShow source

Plastic card; replacement €4.99

Virtual card fee

$15Conditions apply: tap or hover for detailsShow source

Platinum, first card; further cards $10

FreeShow source

Replacement fee

No data yet
€4.99Conditions apply: tap or hover for detailsShow source

Plastic card; metal card replacement €60

FX fee

1%Conditions apply: tap or hover for detailsShow source

Charged by Visa, no Avici markup; terms allow up to 3%

0%Conditions apply: tap or hover for detailsShow source

EEA/UK: Mastercard rate without markup; a variable spread applies when spending crypto. US card: 1%

Top-up fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Bank transfer free; debit card and Apple/Google Pay deposits €0.25 + 3.75% (UK £0.25 + 3.75%); PayPal fees vary by region. US: linked bank (ACH) free, USD/CAD SWIFT wire $3, card deposits $0.25 + 3.75%, PayPal 3.39%

Crypto withdrawal fee

FreeConditions apply: tap or hover for detailsShow source

Withdrawal from card to wallet

No data yet

ATM fee

$1 + 0.65%Conditions apply: tap or hover for detailsShow source

Listed as maximum charges; FX fee additionally charged on non-USD withdrawals; balance inquiry and decline fees $0.60 each

FreeConditions apply: tap or hover for detailsShow source

No Krak fee; third-party ATM fees may apply

Transfer fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

Incoming and outgoing SEPA free (UK domestic transfers free); outgoing SWIFT: regional funding fees may apply; transfers between Krak accounts free. US: ACH in/out free

Small transaction fee

FreeConditions apply: tap or hover for detailsShow source

No transaction fees

No data yet

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 cardConditions apply: tap or hover for detailsShow source

No extra charges for Apple Pay / Google Pay spending

Variable spread when spending crypto · AutoEarn fee: 30% of yield earned · Vault fee: 25% of yield earned · Small balance conversions: fixed 3% feeConditions apply: tap or hover for detailsShow source

Vault and AutoEarn fees are taken from yield; displayed APYs exclude them

Cashback & rewards

Base cashback

0%Conditions apply: tap or hover for detailsShow source

No cashback programme (owner research)

0%Conditions apply: tap or hover for detailsShow source

Starter tier: under €200 average assets; 0.5% from €200

Max cashback

No data yet
2%Conditions apply: tap or hover for detailsShow source

Max tier: 30-day average assets of at least €/£50,000; up to 4% boosted on travel via Krak Concierge

Cashback paid in

No data yet
EUR, GBP or BTCShow source

Cashback type

NoneConditions apply: tap or hover for detailsShow source

No cashback programme (owner research); the site only lists Visa network benefits

FiatConditions apply: tap or hover for detailsShow source

Or bitcoin

Interest on balance

No data yet
3.6%Conditions apply: tap or hover for detailsShow source

Up to; on eligible balances, variable

Cashback conditions

No data yet
Rate set by the 30-day average assets held across Krak, Kraken and Kraken Pro: 0.5% from €200, 1% from €1,000, 1.5% from €10,000, 2% from €50,000 · Metal card free from €/£50,000 average assetsShow source

Staking / holding required for top rewards

No data yet
YesConditions apply: tap or hover for detailsShow source

Holding assets (not staking) sets the cashback tier

Staking asset

No data yet
Any assets held at Krak, Kraken and Kraken ProShow source

Capital required for top rewards

No data yet
€50,000Conditions apply: tap or hover for detailsShow source

30-day average for the 2% tier

Credit & financing

Credit line

YesConditions apply: tap or hover for detailsShow source

Secured by your own deposit

NoShow source

Credit type

Crypto-backed creditShow source
No data yet

Collateral assets

USDCShow source
No data yet

Max loan-to-value

100%Conditions apply: tap or hover for detailsShow source

Collateral market value in USD must equal each dollar charged; spending limit equals collateral value

No data yet

Interest (APR)

0%Conditions apply: tap or hover for detailsShow source

0% interest on all purchases currently; Issuer and Avici reserve the right to introduce interest for new purchases with prior disclosure

No data yet

Grace period

One calendar day before an unpaid obligation triggers a Liquidation Event; additional grace period at Avici/Issuer discretionShow source
No data yet

Repayment

Automatic deduction from topped-up USDC balance; no billing cycle or manual repaymentShow source
No data yet

Liquidation risk

YesConditions apply: tap or hover for detailsShow source

Liquidation Event if a payment is unpaid after one calendar day or collateral value falls below existing charges

No data yet

Spend own balance directly

No data yet
YesConditions apply: tap or hover for detailsShow source

Spends directly from the Krak Everyday account balance

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 StatesConditions apply: tap or hover for detailsShow source

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.

European Union, United KingdomConditions apply: tap or hover for detailsShow source

Residents of the UK and the EU; a separate US card exists

Not available in

BY, CN, CU, India, IR, IQ, Israel, MM, NP, NI, KP, RU, SY, Turkey, Ukraine, VE, VietnamConditions apply: tap or hover for detailsShow source

Card unavailable to residents; China = Mainland. Card also cannot be used to spend in CU, IR, KP, RU, SY, UA, VE

No data yet

Account / spend currencies

USDConditions apply: tap or hover for detailsShow source

Foreign-currency transactions are converted into USD

600+ currenciesConditions apply: tap or hover for detailsShow source

Spend in more than 600 currencies

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
No data yet

Physical card

YesConditions apply: tap or hover for detailsShow source

Issuer may limit the number of physical cards

YesShow source

Virtual card

YesConditions apply: tap or hover for detailsShow source

Issuer may limit the number of virtual cards

YesShow source

ATM withdrawals

YesShow source
YesShow source

Spend stablecoins

YesConditions apply: tap or hover for detailsShow source

USDC deposit backs the USD credit balance

No data yet

Travel / rental car insurance

YesConditions apply: tap or hover for detailsShow source

Visa benefits: complimentary rental car insurance; trip cancellation and lost luggage cover

No data yet

Spendable assets

USDCConditions apply: tap or hover for detailsShow source

Charges are auto-deducted from the topped-up USDC balance; list may not be exhaustive

No data yet

Blockchains

Ethereum · Polygon · Optimism · ArbitrumConditions apply: tap or hover for detailsShow source

Terms define 'Supported Blockchains' (spelled 'Arbitrium' on the page); others may be added at Issuer's discretion

No data yet

Limits

ATM limit

$3,000Conditions apply: tap or hover for detailsShow source

Per day, both tiers; $1000 per transaction, max 3 ATM transactions per day

No data yet

Security & custody

Regulation / licences

No data yet
EEA: e-money by Payward Ireland Limited, regulated by the Central Bank of Ireland · EEA: card issuer UAB Monavate, licensed by the Bank of Lithuania (LB002139) · UK: card issuer Monavate Limited, FCA-authorised (FRN 901097) · UK: e-money and payment services by Payward Services Limited, FCA-authorised (FRN 1010381) · UK: Payward Ltd registered with the FCA as a cryptoasset business (FRN 928768)Conditions apply: tap or hover for detailsShow source

US: Payward Interactive, Inc. is a licensed money transmitter (NMLS #1843762) registered with FinCEN as an MSB

Deposit protection

No data yet
NoConditions apply: tap or hover for detailsShow source

EEA e-money wallet is not covered by a deposit guarantee scheme; UK: no FSCS protection; US: balances not FDIC or SIPC insured

Smart-contract risk

YesShow source
No data yet

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

Krak Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+0 EUR
  • Net annual value0 EUR

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Avici Card comparisons

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