NexoNexo
65
Side-by-side card comparison
Nexo vs Avici: overall score versus use-case fit
Avici Card has the higher Overall Score by 6 points (71 vs 65). Nexo Card looks stronger for Cashback and Transfers, while Avici Card comes out ahead for Travel, Funds control, and Lowest fees.
Information checked Aug 21, 202629 official sources reviewed
01 · Overall score versus use-case fit
Avici Card is the better all-round starting point
Avici Card has the higher Overall Score in this comparison. Nexo Card may be the better fit for Cashback and Transfers. 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.
OverallNexo65Avici71Higher score
CashbackNexo41Avici21Higher score
TravelNexo65Avici82Higher score
Funds controlNexo52Avici95Higher score
Lowest feesNexo57Avici73Higher score
TransfersNexo91Avici67Higher score
Choose Nexo Card if cashback and transfers matter most
Nexo 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.
- Choose debit spend or credit-line use
- No base monthly or annual card fee
- Virtual card works with phone wallets
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
- Nexo65Avici71
Avici Card has the higher Overall Score by 6 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% FXAvici$0 plan · 0–1% FX
Avici Card has the lower published FX fee (0–1% vs 0.2–2.5%).
- Purchase rewards
- Nexo0.5% base · up to 2%Avici0% cashback
Nexo Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- NexoCustodial balanceAviciSelf-controlled wallet
Nexo Card uses a custodial balance 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
- NexoVirtual + 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
- Nexo2 stablecoins · Stablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalAvici1 stablecoin · Stablecoin transfers
Nexo Card lists more stablecoins and ways to send money out (5 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%-2%
- Plan cost
- $0
- FX fee
- 0.2–2.5%
- ATM fee
- 0–2%; minimum 1.99 EUR/GBP
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 10 crypto · 1 fiat
- Payout methods
- 4 crypto · 3 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
CardsNexo CardOverall65Avici CardOverall71
Nexo CardOverall65Avici CardOverall71Scores
6 fields- Overall Score
- Nexo Card65Avici Card71
- Cashback score
- Nexo Card41Avici Card21
- Travel score
- Nexo Card65Avici Card82
- Funds control score
- Nexo Card52Avici Card95
- Lowest fees score
- Nexo Card57Avici Card73
- Transfers score
- Nexo Card91Avici Card67
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feeAvici CardUser-owned USDC collateral, Physical, virtual and phone-wallet use
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskAvici CardNo standard purchase cashback, Visa and penalty layers need care
Costs
7 fields- Plan cost
- Nexo Card$0Avici Card$0
- FX fee
- Nexo Card0.2–2.5%Avici Card0–1%
- Top-up fee
- Nexo CardNot disclosedAvici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully published
- Card spending fee
- Nexo CardNot disclosedAvici Card0%
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPAvici Card0–0.65%
- Virtual card
- Nexo CardAvailable from $50 account balanceAvici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewal
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierAvici CardPlatinum $50; Signature $75 + $20/year from year two
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumAvici Card2 plans: Visa Platinum, Visa Signature
- Top cashback plan
- Nexo CardPlatinum: 2%Avici CardVisa Platinum: 0%
Everyday use
8 fields- Network
- Nexo CardMastercardAvici CardVisa
- Card formats
- Nexo CardVirtual, PhysicalAvici CardVirtual, Physical
- ATM withdrawals
- Nexo CardAvailableAvici CardAvailable
- Mobile wallets
- Nexo CardApple Pay, Google PayAvici CardApple Pay, Google Pay
- Apps
- Nexo CardiOS, Android, WebAvici CardiOS, Android
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionAvici CardNo fixed public transaction cap; balance, issuer and user-set limits apply
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthAvici CardNo fixed public monthly cap; dynamic controls apply
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthAvici Card$250 per day, up to 3 ATM transactions
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedAvici CardEthereum, Polygon, Optimism, Arbitrum, Solana
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3Avici CardStablecoins: USDC
- Fiat deposits
- Nexo CardNexo account bank depositAvici CardNot disclosed
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalAvici CardStablecoin transfers
- Payout currencies
- Nexo CardEUR, GBP, USDAvici CardNot disclosed
Rewards
3 fields- Base cashback
- Nexo Card0.5%Avici Card0%
- Max cashback
- Nexo Card2%Avici Card0%
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackAvici CardNo cashback
Earn
5 fields- Advertised APY
- Nexo CardUp to 13% APYAvici CardNot offered
- How it works
- Nexo CardEarn on spending balanceAvici CardNot offered
- Separate deposit
- Nexo CardNot disclosedAvici CardNot offered
- Use balance for spending
- Nexo CardYesAvici CardNot offered
- Lock-up
- Nexo CardNoAvici CardNot offered
Trust & availability
6 fields- Custody
- Nexo CardCustodialAvici CardSelf-custody
- Control until payment
- Nexo CardProvider controls fundsAvici CardYou keep control
- Card issuer
- Nexo CardDiPocket UABAvici CardThird National
- Card processing
- Nexo CardNot disclosedAvici CardRelay
- Identity verification
- Nexo CardNot disclosedAvici CardSumsub
- Programme operator
- Nexo CardNexo Services Sp. z o.o.Avici CardNot disclosed
Sources
2 fields- Official sources
- Nexo Card13Avici Card16
- Last reviewed
- Nexo CardAug 5, 2026Avici CardAug 21, 2026
04 · The trade-off
Avici Card is the stronger all-round choice
Avici Card finishes ahead with an Overall Score of 71 versus 65 for Nexo Card. Avici Card has the lower published FX fee (0–1% vs 0.2–2.5%). Nexo Card has the higher published base cashback rate (0.5% vs 0%).
Nexo Card still comes out ahead for Cashback and Transfers, which may matter more than the overall result if that is how you plan to use the card. Nexo Card uses a custodial balance 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.
Nexo Card lists more stablecoins and ways to send money out (5 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 Nexo Card and Avici Card reviews first.
Continue with
Nexo Card
Continue with
Avici Card
05 · Common questions
Nexo vs Avici FAQ
Is Nexo or Avici better overall?
Avici Card has the higher Overall Score (71 vs 65). 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, Nexo or Avici?
Avici Card has the lower published FX fee (0–1% vs 0.2–2.5%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Nexo or Avici?
Nexo 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 Nexo and Avici differ on custody?
Nexo Card uses a custodial balance 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 Nexo vs Avici comparison?
The latest information check for these two cards was August 21, 2026, using 29 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.