Plutus vs Avici Money
On the standard spending profile Avici Money is cheaper: €0 net per year versus €84 for Plutus. On cashback Plutus wins (up to 9%); for spending abroad FX markup matters, and Avici Money does better (0% vs 2.5%). The choice depends on your real spending profile: redo the math with your volumes before picking between Plutus and Avici Money.
| Plutus | Avici Money | |
|---|---|---|
| Tier | B | A |
| Rating | ★ 3.8 | ★ 4.1 |
| Estimated net annual cost | €84 | €0 |
| Account fee | €7 | Free |
| IBAN | dedicato | dedicato · USA, EU |
| Deposit guarantee | None (e-money account) | — |
| Multi-currency | Yes · 2 currencies | Yes · 2 currencies |
| Outbound transfers to third-party IBANs | Yes | Yes |
| Utility direct billing | No | No |
| SEPA direct debit (SDD) | No | No |
| SEPA transfer | Free | €1 |
| Card included | Carta Visa inclusa | — |
| Interest on balance | 0% | — |
| Network | Visa | — |
| ATM withdrawal | 2.5% | not declared |
| Free ATM limit | High ATM threshold, then 2.5% | — |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Light |
| Supported countries | UK, EEA · 32+ countries | US, EEA, APAC, LATAM · 100+ countries |
| Regulator | Bank of Lithuania | FinCEN / state regulators |
| OAM Italy registration | No | No |
| Segment | B2C | B2C |
| Regions | UK, EU/EEA | US, EU/EEA, APAC, LATAM |
| Licences & safety | EMI (partner UK) | EMI / Money Transmitter |
Frequently asked questions
Plutus vs Avici Money: which is better?
On the standard spending profile Avici Money is cheaper: €0 net per year versus €84 for Plutus. On cashback Plutus wins (up to 9%); for spending abroad FX markup matters, and Avici Money does better (0% vs 2.5%). The choice depends on your real spending profile: redo the math with your volumes before picking between Plutus and Avici Money.
Which is cheaper, Plutus or Avici Money?
On the standard spending profile Avici Money has the lowest net annual cost: €0 versus €84 for Plutus.
Which offers more cashback, Plutus or Avici Money?
Plutus has the highest cashback: up to 9%. Note the top rate often requires token staking and is subject to spending caps.
Is Plutus custodial or self-custody?
Plutus is custodial: funds are held by the platform, while Avici Money is custodial.
Which is better for spending abroad?
For foreign-currency spending Avici Money wins, with the lowest FX markup: 0%.