Avici Card vs Xapo Bank Card
Crypto native
Crypto enabled
Verdict
- Avici Card scores higher overall (6.7 vs 5.4 out of 10).
- Avici Card is clearly stronger on: Fees, Product features, Credit & financing, Limits & ATM.
- Xapo Bank Card is clearly stronger on: Cashback & rewards, FX & international.
- 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
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Stronger on: Fees, Product features, Credit & financing, Limits & ATM
Xapo Bank Card is a good fit for
- Frequent travellers
Stronger on: Cashback & rewards, FX & international
Score by criterion
| Criterion | Avici Card | Xapo Bank Card |
|---|---|---|
| Fees | 97 | 49 |
| Cashback & rewards | 0 | 24 |
| Availability | 100 | – |
| FX & international | 60 | 100 |
| Product features | 80 | 53 |
| Custody & security | 70 | 75 |
| Credit & financing | 75 | 30 |
| Limits & ATM | 78 | 62 |
| Transparency | 86 | 86 |
| Best for Cashback | 4.3 | 4.3 |
| Best for Travel | 7.0 | 6.8 |
| Best for Self-Custody | 6.4 | n/a |
| Best for DeFi Users | 6.2 | n/a |
| Best for Stablecoins | 6.3 | n/a |
| Best for High Spenders | 4.7 | 4.8 |
| Best for Low Fees | 8.3 | 6.9 |
| Best for Beginners | 7.9 | 5.7 |
| Best Crypto Credit Card | 6.8 | n/a |
| Best E-Money Card | n/a | 6.6 |
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: Xapo Bank membership
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)
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: Xapo Bank FAQs – Payments
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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%
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
The provider holds the funds
Source states (paraphrased): Owner research: custodial
Source: https://www.xapobank.com/banking-services/global-debit-card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
The provider holds the funds
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.
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
$1,000/year*Show source
Annual fee: $1,000/year
Xapo Bank membership, card included
Source: Xapo Bank membership
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Xapo Bank membership, card included
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
Card included in the membership; additional replacement card in a year 25 USD
Source states (paraphrased): Experience the flexibility of high spending limits and a complimentary premium metal card.
Source: https://www.xapobank.com/en/banking/transact
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Card included in the membership; additional replacement card in a year 25 USD
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
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%
Network exchange rate, no Xapo markup
Source: Xapo Bank FAQs – Payments
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Network exchange rate, no Xapo markup
Crypto conversion fee
0.1%*Show source
Crypto conversion fee: 0.1%
Spread when spending from the BTC wallet
Source: Secure Global Bitcoin Debit Card Benefits
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%
Spread when spending from the BTC wallet
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%*Show source
ATM fee: 2%
Outside Gibraltar, above the free monthly allowance; operator fees separate
Source: Fee Information Document – Xapo Bank Limited
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Outside Gibraltar, above the free monthly allowance; operator fees separate
Free ATM allowance
$100/monthShow source
Free ATM allowance: $100/month
Source: Fee Information Document – Xapo Bank Limited
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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
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)
Max cashback
1%*Show source
Max cashback: 1%
Up to, on qualifying purchases
Source: Secure Global Bitcoin Debit Card Benefits
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to, on qualifying purchases
Cashback paid in
BTCShow source
Cashback paid in: BTC
Source: Secure Global Bitcoin Debit Card Benefits
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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
CryptoShow source
Cashback type: Crypto
Source: Secure Global Bitcoin Debit Card Benefits
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Interest on balance
4.1%*Show source
Interest on balance: 4.1%
Standard variable rate on USD Savings product (not card balance), paid daily in BTC; promo 4.6% for first-time members
Source states (paraphrased): Xapo Bank offers up to 4.6%* interest on USD Savings, paid daily in BTC.
Source: https://www.xapobank.com/banking-services/global-debit-card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Standard variable rate on USD Savings product (not card balance), paid daily in BTC; promo 4.6% for first-time members
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: Xapo Bank FAQs – Payments
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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%
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
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.
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
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%
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
Yes*Show source
Physical card: Yes
Complimentary metal card with the membership
Source states (paraphrased): Your Xapo Bank membership includes metal, standard, and virtual debit cards
Source: https://www.xapobank.com/en/banking/transact
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Complimentary metal card with the membership
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
Yes*Show source
Virtual card: Yes
Included in the membership (metal, standard and virtual cards)
Source states (paraphrased): Your Xapo Bank membership includes metal, standard, and virtual debit cards
Source: https://www.xapobank.com/en/banking/transact
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Included in the membership (metal, standard and 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%
Yes*Show source
ATM withdrawals: Yes
Free up to USD 100 per month, then 2%
Source states (paraphrased): Cash withdrawal (ATM) in and outside Gibraltar above 100 USD per month: 2% of the withdrawal amount, ATM operator fees may apply.
Source: https://www.xapobank.com/en/banking/transact
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Free up to USD 100 per month, then 2%
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
No*Show source
Spend stablecoins: No
USDC/USDT deposits convert automatically to USD; the card spends USD or BTC
Source states (paraphrased): Deposit stablecoins with automatic conversion to USD
Source: https://www.xapobank.com/en/banking/transact
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
USDC/USDT deposits convert automatically to USD; the card spends USD or BTC
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)
Extracted from source by research agent · 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
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
$2,000*Show source
ATM limit: $2,000
Per day
Source: Xapo Bank FAQs – Payments
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Per day
Security & custody
Regulation / licences
Xapo Bank Limited: credit institution regulated by the GFSC (Permission No. 23171) · USD deposits covered by the Gibraltar Deposit Guarantee Scheme up to GBP 120,000 · crypto via Xapo VASP Limited (GFSC DLT Provider, No. 26061)Show source
Regulation / licences: Xapo Bank Limited: credit institution regulated by the GFSC (Permission No. 23171) · USD deposits covered by the Gibraltar Deposit Guarantee Scheme up to GBP 120,000 · crypto via Xapo VASP Limited (GFSC DLT Provider, No. 26061)
Source states (paraphrased): Banking services are provided by Xapo Bank Limited, which is regulated as a Credit Institution by the GFSC (Permission No. 23171)
Source: https://www.xapobank.com/en/banking/transact
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
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
Xapo Bank Card
- Annual & monthly fees−893 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−3 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