Avici Money
Avici
A privacy-oriented Visa card with 0% Avici FX markup (Visa's 0.4-1% cross-border fee may still apply), a 20% referral programme and MetaDAO support. On the base (Platinum) tier ATM withdrawals cost $1+0.65%; they are free only on the Signature tier. Its stated custody model is not clearly documented, however, and several service parameters cannot be publicly verified, which limits its overall reliability.
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | dedicato · USA, EU |
| Multi-currency | Yes · 2 currencies |
| Outbound transfers to third-party IBANs | Yes |
| Utility direct billing | No |
| SEPA direct debit (SDD) | No |
| SEPA transfer | €1 |
| ATM withdrawal | not declared |
| Fund custody | Custodial (platform holds funds) |
| KYC | Light |
| Supported countries | US, EEA, APAC, LATAM · 100+ countries |
| Regulator | FinCEN / state regulators |
| OAM Italy registration | No |
| Segment | B2C |
| MiCA / License status | EMI / Money Transmitter |
Plans & pricing
Strengths
- Self-custodial Visa card; 0% Avici FX; free ATM on the Signature tier; 20% referral; MetaDAO-backed.
- Light KYC: minimal identity verification.
Weaknesses
- Beta; custody not clearly documented; non-traditional governance structure.
- Custodial: the platform holds your funds and can freeze or lose them.
Verdict
A 0% Avici FX markup and a 20% referral are appealing, but the score is held back by an undocumented custody model, a beta-stage service and a base (Platinum) tier that still charges $1+0.65% at ATMs (free only on the Signature tier). There is no regulator providing a deposit guarantee (only FinCEN/state regulators), so the actual protection remains unverified.
Here the profile is more interesting thanks to the privacy orientation and MetaDAO backing, with a non-traditional governance that nods to the crypto-native world. Yet light KYC remains and custody is unclarified: until self-custody is proven, the user's real autonomy is not guaranteed.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is Avici Money a real bank?
Avici Money is a digital financial service. The deposit-protection scheme is not documented for this service; check the official terms.
Can I send transfers to third-party IBANs with Avici Money?
The ability to send transfers to third-party IBANs is not documented; check the official website.
Does Avici Money support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does Avici Money support?
The number of supported fiat currencies is not documented. Multi-currency accounts: not documented.
Can I withdraw crypto on-chain from Avici Money?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework Data verified on Jun 13, 2026
- docs.avici.money Monthly fee · SEPA fee · SWIFT fee · IBAN countries · +5 Data verified on Jul 11, 2026
- kkinvesting.io FX markup · ATM fees · ATM limits · Cashback Data verified on Jun 14, 2026
- pitchbook.com Legal name · Company type · Latest funding round · Valuation Data verified on Jun 14, 2026
Show 3 more sources
- trustpilot.com Trustpilot reviews Data verified on Jun 14, 2026
- coinsoncards.com On-chain crypto withdrawals · Past incidents Data verified on Jun 13, 2026
- ourcryptotalk.com Founders Data verified on Jun 13, 2026