UR Card vs Avici Money
The first number to check is net annual cost: €0 for Avici Money versus €144 for UR Card. For spending abroad FX markup matters, and Avici Money does better (0% vs 2%). In our editorial rating Avici Money leads (4.1 vs 3.5). In short: UR Card if your usage matches its strength, Avici Money otherwise — the numbers above beat any slogan.
| UR Card | Avici Money | |
|---|---|---|
| Tier | B | A |
| Rating | ★ 3.5 | ★ 4.1 |
| Estimated net annual cost | €144 | €0 |
| Account fee | €12 | Free |
| IBAN | IBAN svizzero multivaluta (SEPA + SWIFT) | dedicato · USA, EU |
| Multi-currency | EUR, CHF, USD, RMB | Yes · 2 currencies |
| Network | Mastercard | — |
| ATM withdrawal | Free | not declared |
| Free ATM limit | No ATM withdrawals (virtual card, no PIN) | — |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Light |
| Supported countries | EEA, UK, APAC · 40+ countries | US, EEA, APAC, LATAM · 100+ countries |
| Regulator | FINMA (Svizzera) | FinCEN / state regulators |
| Segment | B2C | B2C |
| Outbound transfers to third-party IBANs | — | Yes |
| Utility direct billing | — | No |
| SEPA direct debit (SDD) | — | No |
| SEPA transfer | — | €1 |
| OAM Italy registration | — | No |
| Regions | EU/EEA, UK, APAC | US, EU/EEA, APAC, LATAM |
| Licences & safety | FINMA FinTech License (Art. 1b Swiss Banking Act) | EMI / Money Transmitter |
Frequently asked questions
UR Card vs Avici Money: which is better?
The first number to check is net annual cost: €0 for Avici Money versus €144 for UR Card. For spending abroad FX markup matters, and Avici Money does better (0% vs 2%). In our editorial rating Avici Money leads (4.1 vs 3.5). In short: UR Card if your usage matches its strength, Avici Money otherwise — the numbers above beat any slogan.
Which is cheaper, UR Card or Avici Money?
On the standard spending profile Avici Money has the lowest net annual cost: €0 versus €144 for UR Card.
Is UR Card custodial or self-custody?
UR Card 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%.