Yearly cost at three spending levels
| Monthly spend | KOSH | Avici |
|---|---|---|
| $500 | ≥ $14 Everyday | $39.60 Platinum |
| $2,000 | ≥ $32 Everyday | $75.60 Platinum |
| $5,000 | ≥ $68 Everyday | $147.60 Platinum |
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
| Line | KOSH Everyday | Avici Platinum |
|---|---|---|
| Top-up and conversion fees | $0 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | $24 | $48 |
| ATM fees | Not disclosed | $27.60 |
| Annual, monthly and subscription fees | $8 | $0 |
| Cashback | -$0 | -$0 |
| Yearly cost | $32 | $75.60 |
Fees
KOSH charges 0% to convert or top up and 0.5% on spending in a foreign currency. Avici charges 0% and 1%.
ATM withdrawals: KOSH 1% + $1; Avici 0.65% + $1.
A virtual card costs nothing with KOSH and $15 with Avici. A physical card costs $80 and $50.
Cashback and rewards
KOSH cashback: None. Avici cashback: None.
KOSH tiers: Everyday: 0%.
Avici tiers: Platinum: 0%; Signature ($20 a year after year one): 0%.
KOSH: KOSH lists 10% reward points as coming soon. No reward is paid today.
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.
Availability and KYC
KOSH does not publish a country list. KOSH says it supports onboarding in 90+ countries without publishing the list.
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.
KOSH needs full KYC and Avici needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
KOSH publishes ATM withdrawals of up to $750 a day.
Avici does not publish fixed spending or ATM limits.
KOSH works with Apple Pay and Google Pay, and Avici works with Apple Pay and Google Pay. Avici issues a virtual card you can use straight away.
Custody and safety
KOSH scores 44/100. Licensing: we could not confirm a licence for the card issuer on its own website. No incidents or enforcement actions found in the last 36 months. KOSH (Piers Technology Inc.) says it is a financial technology company, not a bank or a money services business, and that some services are provided by licensed partners it does not name. It says stablecoin holdings sit with regulated custodians.
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.
Full reports: KOSH safety check and Avici safety check.
About each card
KOSH Card (formerly Copperx) is a custodial Visa card from KOSH (Piers Technology Inc., formerly Copperx). It tops up with USDC and USDT.
Avici Card is a self-custody Visa card from Avici Inc. It tops up with USDC.
Which card fits you
KOSH fits if
- You spend in foreign currencies often, since its FX markup is lower.
Avici fits if
- You want to keep crypto in your own wallet until each payment.
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Read more: KOSH fees and details · Avici fees and details