Yearly cost at three spending levels
| Monthly spend | Xapo | Avici |
|---|---|---|
| $500 | $1,024 Membership | $39.60 Platinum |
| $2,000 | $1,024 Membership | $75.60 Platinum |
| $5,000 | $1,024 Membership | $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 | Xapo Membership | Avici Platinum |
|---|---|---|
| Top-up and conversion fees | $0 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | $0 | $48 |
| ATM fees | $24 | $27.60 |
| Annual, monthly and subscription fees | $1,000 | $0 |
| Cashback | -$0 | -$0 |
| Yearly cost | $1,024 | $75.60 |
Fees
Xapo charges 0% to convert or top up and 0% on spending in a foreign currency. Avici charges 0% and 1%.
ATM withdrawals: Xapo 2% after $100 free a month; Avici 0.65% + $1.
A virtual card costs nothing with Xapo and $15 with Avici. A physical card costs nothing and $50.
Cashback and rewards
Xapo cashback: None. Avici cashback: None.
Xapo tiers: Membership: 0%.
Avici tiers: Platinum: 0%; Signature ($20 a year after year one): 0%.
Xapo: Xapo pays cashback in Bitcoin only through limited-time offers, such as 3% on rideshares with the Metal card from 1 July to 30 September 2026. The membership also includes interest on USD savings, paid in Bitcoin.
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
Xapo does not publish a country list. Xapo Bank does not publish a list of countries where membership is open.
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.
Xapo 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
Xapo does not publish fixed spending or ATM limits.
Avici does not publish fixed spending or ATM limits.
Xapo does not list Apple Pay or Google Pay support, and Avici works with Apple Pay and Google Pay. Xapo and Avici issue a virtual card you can use straight away.
Custody and safety
Xapo scores 69/100. Licensing: holds a licence or registration outside the tier-one list (Credit institution regulated by the Gibraltar Financial Services Commission (Permission No. 23171); crypto services by Xapo VASP Limited, a GFSC-regulated DLT Provider (Permission No. 26061)). No incidents or enforcement actions found in the last 36 months. Xapo says Bitcoin is held 1:1 and legally segregated under Gibraltar's DLT framework, never lent or rehypothecated. USD deposits are covered by the Gibraltar Deposit Guarantee Scheme; crypto balances are not.
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: Xapo safety check and Avici safety check.
About each card
Xapo Bank Card is a custodial Visa card from Xapo Bank Limited (Gibraltar). It tops up with USD, BTC, USDC and USDT.
Avici Card is a self-custody Visa card from Avici Inc. It tops up with USDC.
Which card fits you
Xapo fits if
- You spend in foreign currencies often, since its FX markup is lower.
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Avici fits if
- You want to keep crypto in your own wallet until each payment.
Read more: Xapo fees and details · Avici fees and details