AviciAvici
71
Side-by-side card comparison
Avici vs Bitpanda: overall score versus use-case fit
Bitpanda Card has the higher Overall Score by 2 points (73 vs 71). Avici Card looks stronger for Travel, Funds control, and Lowest fees, while Bitpanda Card comes out ahead for Cashback and Transfers.
Information checked Oct 6, 202633 official sources reviewed
01 · Overall score versus use-case fit
Bitpanda Card is the better all-round starting point
Bitpanda Card has the higher Overall Score in this comparison. Avici Card may be the better fit for Travel, Funds control, and Lowest fees. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallAvici71Bitpanda73Higher score
CashbackAvici21Bitpanda60Higher score
TravelAvici82Bitpanda79Higher score
Funds controlAvici95Bitpanda56Higher score
Lowest feesAvici74Bitpanda67Higher score
TransfersAvici67Bitpanda85Higher score
Choose Avici Card if travel and funds control matter most
Avici Card comes out ahead for Travel, Funds control, and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- User-owned USDC collateral
- Physical, virtual and phone-wallet use
- Low provider fees
Choose Bitpanda Card if cashback and transfers matter most
Bitpanda Card comes out ahead for Cashback and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- No monthly fee
- Apple Pay and Google Pay
- Crypto and metals payments
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Avici71Bitpanda73
Bitpanda Card has the higher Overall Score by 2 points.
- Entry cost & FX
- Avici$0 plan · 0–1% FXBitpanda$0 plan · 0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable FX
Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable vs 0–1%).
- Purchase rewards
- Avici0% cashbackBitpanda1% cashback
Bitpanda Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- AviciSelf-controlled walletBitpandaCustodial balance
Avici Card uses a self-controlled wallet setup, while Bitpanda Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- AviciVirtual + Physical · Apple Pay, Google PayBitpandaVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Avici1 stablecoin · Stablecoin transfersBitpanda2 stablecoins · Stablecoin transfers; EUR SEPA withdrawal
Bitpanda Card lists more stablecoins and ways to send money out (4 vs 2).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0–0.65%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
- Cashback
- 1%
- Plan cost
- $0
- FX fee
- 0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- ATM fee
- 2%; min €2
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 1 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsAvici CardOverall71Bitpanda CardOverall73
Avici CardOverall71Bitpanda CardOverall73Scores
6 fields- Overall Score
- Avici Card71Bitpanda Card73
- Cashback score
- Avici Card21Bitpanda Card60
- Travel score
- Avici Card82Bitpanda Card79
- Funds control score
- Avici Card95Bitpanda Card56
- Lowest fees score
- Avici Card74Bitpanda Card67
- Transfers score
- Avici Card67Bitpanda Card85
Strengths & trade-offs
2 fields- Strengths
- Avici CardUser-owned USDC collateral, Physical, virtual and phone-wallet useBitpanda CardNo monthly fee, Apple Pay and Google Pay
- Trade-offs
- Avici CardNo standard purchase cashback, Visa and penalty layers need careBitpanda CardAsset sale fees on payments, Limited cashback eligibility
Costs
7 fields- Plan cost
- Avici Card$0Bitpanda Card$0
- FX fee
- Avici Card0–1%Bitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- Top-up fee
- Avici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully publishedBitpanda CardEUR SEPA deposits and withdrawals: no Bitpanda fee. PayPal deposit: 1.49%. Bank charges and other methods may differ. These fund the provider account
- Card spending fee
- Avici Card0%Bitpanda CardNot disclosed
- ATM fee
- Avici Card0–0.65%Bitpanda Card2%; min €2
- Virtual card
- Avici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewalBitpanda CardNot disclosed
- Physical card
- Avici CardPlatinum $50; Signature $75 + $20/year from year twoBitpanda CardFirst card free. One active physical card per user.
Plans
2 fields- Available plans
- Avici Card2 plans: Visa Platinum, Visa SignatureBitpanda Card1 plans: Standard
- Top cashback plan
- Avici CardVisa Platinum: 0%Bitpanda CardStandard: 1%
Everyday use
8 fields- Network
- Avici CardVisaBitpanda CardVisa
- Card formats
- Avici CardVirtual, PhysicalBitpanda CardVirtual, Physical
- ATM withdrawals
- Avici CardAvailableBitpanda CardAvailable
- Mobile wallets
- Avici CardApple Pay, Google PayBitpanda CardApple Pay, Google Pay
- Apps
- Avici CardiOS, AndroidBitpanda CardiOS, Android, Web
- Daily spending limit
- Avici CardNo fixed public transaction cap; balance, issuer and user-set limits applyBitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.
- Monthly spending limit
- Avici CardNo fixed public monthly cap; dynamic controls applyBitpanda Card€280,000 per month
- ATM limit
- Avici Card$3,000 per day; the older help page still lists up to 3 ATM transactions per dayBitpanda Card€500 per day
Funding & transfers
5 fields- Networks
- Avici CardEthereum, Polygon, Optimism, Arbitrum, SolanaBitpanda CardNot disclosed
- Crypto deposits
- Avici CardStablecoins: USDCBitpanda CardStablecoins: USDC
- Fiat deposits
- Avici CardNot disclosedBitpanda CardEUR SEPA deposit
- Transfers
- Avici CardStablecoin transfersBitpanda CardStablecoin transfers; EUR SEPA withdrawal
- Payout currencies
- Avici CardNot disclosedBitpanda CardEUR
Rewards
3 fields- Base cashback
- Avici Card0%Bitpanda Card1%
- Max cashback
- Avici Card0%Bitpanda Card1%
- Reward currency
- Avici CardNo cashbackBitpanda CardSame eligible cryptocurrency used for payment
Earn
5 fields- Advertised APY
- Avici CardNot offeredBitpanda CardNot disclosed
- How it works
- Avici CardNot offeredBitpanda CardEarn on spending balance
- Separate deposit
- Avici CardNot offeredBitpanda CardNo
- Use balance for spending
- Avici CardNot offeredBitpanda CardYes
- Lock-up
- Avici CardNot offeredBitpanda CardNo
Trust & availability
5 fields- Custody
- Avici CardSelf-custodyBitpanda CardCustodial
- Control until payment
- Avici CardYou keep controlBitpanda CardProvider controls funds
- Card issuer
- Avici CardThird NationalBitpanda CardTransact Payments Malta Limited
- Card processing
- Avici CardRelayBitpanda CardMarqeta
- Identity verification
- Avici CardSumsubBitpanda CardNot disclosed
Sources
2 fields- Official sources
- Avici Card17Bitpanda Card16
- Last reviewed
- Avici CardSep 20, 2026Bitpanda CardOct 6, 2026
04 · The trade-off
Bitpanda Card is the stronger all-round choice
Bitpanda Card finishes ahead with an Overall Score of 73 versus 71 for Avici Card. Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable vs 0–1%). Bitpanda Card has the higher published base cashback rate (1% vs 0%).
Avici Card still comes out ahead for Travel, Funds control, and Lowest fees, which may matter more than the overall result if that is how you plan to use the card. Avici Card uses a self-controlled wallet setup, while Bitpanda Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Bitpanda Card lists more stablecoins and ways to send money out (4 vs 2). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Avici Card and Bitpanda Card reviews first.
Continue with
Avici Card
Continue with
Bitpanda Card
05 · Common questions
Avici vs Bitpanda FAQ
Is Avici or Bitpanda better overall?
Bitpanda Card has the higher Overall Score (73 vs 71). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Avici or Bitpanda?
Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable vs 0–1%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Avici or Bitpanda?
Bitpanda Card has the higher published base cashback rate (1% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Avici and Bitpanda differ on custody?
Avici Card uses a self-controlled wallet setup, while Bitpanda Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Avici vs Bitpanda comparison?
The latest information check for these two cards was October 6, 2026, using 33 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.