HolyheldHolyheld
75
Side-by-side card comparison
Holyheld vs Avici: overall score versus use-case fit
Holyheld Card has the higher Overall Score by 4 points (75 vs 71). Holyheld Card looks stronger for Cashback and Transfers, while Avici Card comes out ahead for Travel, Funds control, and Lowest fees.
Information checked Aug 21, 202644 official sources reviewed
01 · Overall score versus use-case fit
Holyheld Card is the better all-round starting point
Holyheld 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.
OverallHolyheld75Avici71Higher score
CashbackHolyheld64Avici21Higher score
TravelHolyheld68Avici82Higher score
Funds controlHolyheld74Avici95Higher score
Lowest feesHolyheld67Avici73Higher score
TransfersHolyheld81Avici67Higher score
Choose Holyheld Card if cashback and transfers matter most
Holyheld 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.
- Self-custody crypto before card top-up
- Virtual, physical and metal Mastercard
- Personal IBAN and SEPA transfers
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
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
- Holyheld75Avici71
Holyheld Card has the higher Overall Score by 4 points.
- Entry cost & FX
- Holyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FXAvici$0 plan · 0–1% FX
Avici Card has the lower published FX fee (0–1% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- Holyheld0.5% base · up to 1%Avici0% cashback
Holyheld Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- HolyheldHybrid custodyAviciSelf-controlled wallet
Holyheld Card uses a hybrid custody setup, while Avici Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- HolyheldVirtual + Physical · Apple Pay, Google PayAviciVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Holyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transferAvici1 stablecoin · Stablecoin transfers
Holyheld 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
- 0.5%-1%
- Plan cost
- $0
- FX fee
- Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- ATM fee
- Up to EUR 2 + 2.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 3 crypto · 1 fiat
- 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
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
CardsHolyheld CardOverall75Avici CardOverall71
Holyheld CardOverall75Avici CardOverall71Scores
6 fields- Overall Score
- Holyheld Card75Avici Card71
- Cashback score
- Holyheld Card64Avici Card21
- Travel score
- Holyheld Card68Avici Card82
- Funds control score
- Holyheld Card74Avici Card95
- Lowest fees score
- Holyheld Card67Avici Card73
- Transfers score
- Holyheld Card81Avici Card67
Strengths & trade-offs
2 fields- Strengths
- Holyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal MastercardAvici CardUser-owned USDC collateral, Physical, virtual and phone-wallet use
- Trade-offs
- Holyheld CardCountry eligibility is incomplete, Foreign spend can be expensiveAvici CardNo standard purchase cashback, Visa and penalty layers need care
Costs
7 fields- Plan cost
- Holyheld Card$0Avici Card$0
- FX fee
- Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currencyAvici Card0–1%
- Top-up fee
- Holyheld Card0%Avici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully published
- Card spending fee
- Holyheld Card€0.50Avici Card0%
- ATM fee
- Holyheld CardUp to EUR 2 + 2.5%Avici Card0–0.65%
- Virtual card
- Holyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual accessAvici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewal
- Physical card
- Holyheld CardClassic: EUR 29; Metal: EUR 199Avici CardPlatinum $50; Signature $75 + $20/year from year two
Plans
2 fields- Available plans
- Holyheld Card3 plans: Classic, Limited Edition, MetalAvici Card2 plans: Visa Platinum, Visa Signature
- Top cashback plan
- Holyheld CardMetal: 1%Avici CardVisa Platinum: 0%
Everyday use
8 fields- Network
- Holyheld CardMastercardAvici CardVisa
- Card formats
- Holyheld CardVirtual, PhysicalAvici CardVirtual, Physical
- ATM withdrawals
- Holyheld CardAvailableAvici CardAvailable
- Mobile wallets
- Holyheld CardApple Pay, Google PayAvici CardApple Pay, Google Pay
- Apps
- Holyheld CardiOS, Android, WebAvici CardiOS, Android
- Daily spending limit
- Holyheld CardEUR 10,000 dailyAvici CardNo fixed public transaction cap; balance, issuer and user-set limits apply
- Monthly spending limit
- Holyheld CardEUR 25,000 monthly; EUR 250,000 annuallyAvici CardNo fixed public monthly cap; dynamic controls apply
- ATM limit
- Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 daysAvici Card$250 per day, up to 3 ATM transactions
Funding & transfers
5 fields- Networks
- Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2Avici CardEthereum, Polygon, Optimism, Arbitrum, Solana
- Crypto deposits
- Holyheld CardStablecoins: USDC, USDTAvici CardStablecoins: USDC
- Fiat deposits
- Holyheld CardPersonal EUR IBANAvici CardNot disclosed
- Transfers
- Holyheld CardStablecoin transfers; Outgoing SEPA transferAvici CardStablecoin transfers
- Payout currencies
- Holyheld CardEURAvici CardNot disclosed
Rewards
3 fields- Base cashback
- Holyheld Card0.5%Avici Card0%
- Max cashback
- Holyheld Card1%Avici Card0%
- Reward currency
- Holyheld CardUSDCAvici CardNo cashback
Earn
5 fields- Advertised APY
- Holyheld CardNot disclosedAvici CardNot offered
- How it works
- Holyheld CardOptional earn vaultAvici CardNot offered
- Separate deposit
- Holyheld CardYesAvici CardNot offered
- Use balance for spending
- Holyheld CardNot disclosedAvici CardNot offered
- Lock-up
- Holyheld CardNoAvici CardNot offered
Trust & availability
6 fields- Custody
- Holyheld CardHybrid custodyAvici CardSelf-custody
- Control until payment
- Holyheld CardProvider controls fundsAvici CardYou keep control
- Card issuer
- Holyheld CardUnlimit EU LtdAvici CardThird National
- Card processing
- Holyheld CardNot disclosedAvici CardRelay
- Identity verification
- Holyheld CardSumsub / IdenfyAvici CardSumsub
- Programme operator
- Holyheld CardHolyheld Labs AGAvici CardNot disclosed
Sources
2 fields- Official sources
- Holyheld Card28Avici Card16
- Last reviewed
- Holyheld CardAug 12, 2026Avici CardAug 21, 2026
04 · The trade-off
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 71 for Avici Card. Avici Card has the lower published FX fee (0–1% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Holyheld Card has the higher published base cashback rate (0.5% 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. Holyheld Card uses a hybrid custody setup, while Avici Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Holyheld 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 Holyheld Card and Avici Card reviews first.
Continue with
Holyheld Card
Continue with
Avici Card
05 · Common questions
Holyheld vs Avici FAQ
Is Holyheld or Avici better overall?
Holyheld Card has the higher Overall Score (75 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, Holyheld or Avici?
Avici Card has the lower published FX fee (0–1% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Holyheld or Avici?
Holyheld Card has the higher published base cashback rate (0.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Holyheld and Avici differ on custody?
Holyheld Card uses a hybrid custody setup, while Avici Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Holyheld vs Avici comparison?
The latest information check for these two cards was August 21, 2026, using 44 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.