Avici vs Tangem Pay

Yearly cost at three spending levels

Yearly cost: conversion, FX, ATM and fixed fees minus cashback. A minus sign means cashback outweighs fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.

Where the money goes at $2,000 a month

Fees

Avici charges 0% to convert or top up and 1% on spending in a foreign currency. Tangem Pay charges 0% and 1.5%.

ATM withdrawals: Avici 0.65% + $1; Tangem Pay 4%.

A virtual card costs $15 with Avici and nothing with Tangem Pay. A physical card costs $50 and an undisclosed fee. Neither card has an annual fee on its base tier.

Cashback and rewards

Avici cashback: None. Tangem Pay cashback: 1% to 2%.

Avici tiers: Platinum: 0%; Signature ($20 a year after year one): 0%.

Tangem Pay tiers: Basic (free): 1% on the first $10,000 a month, capped at $100 a month; Plus ($29.99 a month): 2% on the first $15,000 a month, capped at $300 a month.

Avici: No card cashback is published. Signature adds Visa Signature benefits (lounge access via Visa Airport Companion, rental car cover, purchase protection, travel insurance) but no free lounge visits yet. New users get a $5 welcome bonus ($8 through a referral). Referrers earn 2% of a friend's card spend for the friend's first 90 days.

Tangem Pay: Paid in USDC at the end of each billing cycle. Only purchases of $30 or more earn cashback, and in-store purchases at EU and UK merchants are excluded. The Plus plan fee is waived with $4,500 of monthly spending. A $999-a-year Prestige plan with 4% cashback is listed as coming soon.

Availability and KYC

Avici is offered in 49 countries, including Argentina, Australia, Brazil, Malaysia, Mexico, Philippines, Singapore, South Africa, Thailand and United Arab Emirates. Avici lists these regions for the card. In the US it is open in 31 states only (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). The list has "Dominica Republica" and "Dominicana", read here as the Dominican Republic. Residents of Belarus, mainland China, Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Sri Lanka, Syria, Turkey, Ukraine, Venezuela and Vietnam are barred, and Avici says unlisted places may also be restricted. The card cannot be used in Cuba, Iran, North Korea, Russia, Syria, Ukraine or Venezuela. The card terms page also says "Non-US citizens only", which conflicts with the US state list.

Tangem Pay does not publish a country list. Tangem says the card is available in the US (not every state) and in select countries across Latin America, Asia-Pacific, the Middle East and Africa. It does not publish a country list; eligibility is checked in the app during onboarding.

Avici needs full KYC and Tangem Pay needs full KYC.

The card finder checks both cards against your country, KYC level and must-have features.

Limits, wallets and card types

Avici does not publish fixed spending or ATM limits.

Tangem Pay publishes a daily spending limit of $10,000 and ATM withdrawals of up to $750 a day.

Avici works with Apple Pay and Google Pay, and Tangem Pay works with Apple Pay and Google Pay. Avici and Tangem Pay issue a virtual card you can use straight away.

Custody and safety

Avici scores 67/100. Licensing: holds a licence or registration outside the tier-one list (Issuer Third National (Nimbus LLC dba Third National) is a licensed money transmitter in Puerto Rico, NMLS #2612780, licence TM-0207). The card is issued through Third National. 2026-08-28: An attacker exploited an outdated Rain card-collateral contract and drained about $500,859 from the card balances of 1,685 Avici users (about $1.1 million across several programs). Self-custodial wallets were not affected. Avici and Rain committed to refund every user in full and Rain upgraded the affected deployments. Avici filed an FBI IC3 report. Avici Inc is a Delaware company with a named San Francisco address and published terms, privacy policy and docs, and the app has been on the iOS App Store since 2023 (app id 6465962039). The card holds no user funds in Avici's own accounts, but card balances sit in a Rain contract that was exploited in August 2026. Card spend is settled with Visa roughly weekly by liquidating the spent USDC.

Tangem Pay scores 80/100. Licensing: holds a licence or registration outside the tier-one list (Card issued by Nimbus LLC dba Third National, licensed as a Money Transmitter by the Commissioner of Financial Institutions of Puerto Rico (licence TM-0207, NMLS 2612780). Tangem's own pages name Rain, a Visa Principal Member, as the issuer; Third National's site runs on Rain's legal pages.). The card is issued through Nimbus LLC dba Third National. No incidents or enforcement actions found in the last 36 months. Tangem Pay is run by Paera LLC, not Tangem AG. The card is legally a collateralised charge card. Your USDC or USDT sits in a smart contract you control, but Paera can liquidate it if a balance goes unpaid. The terms list a late fee of up to $40 and a liquidation penalty of up to $35. They also ask for 3 business days' notice before you withdraw collateral, while the app FAQ says you can withdraw at any time. The account is tied to a single Tangem Wallet, and losing that wallet means losing access to the card balance.

Full reports: Avici safety check and Tangem Pay safety check.

About each card

Avici Card is a self-custody Visa card from Avici Inc. It tops up with USDC.

Tangem Pay is a self-custody Visa card from Paera LLC (Tangem Pay program). It tops up with USDC and USDT.

Which card fits you

Avici fits if

• You spend in foreign currencies often, since its FX markup is lower.

Tangem Pay fits if

• You want a higher cashback ceiling (up to 2%).
• You weigh licensing and fund segregation heavily, since it scores higher on our safety check.

Read more: Avici fees and details · Tangem Pay fees and details