Avici Money Base
A plan byAvici Money
Data verified on unchanged since the sources
Worth it if you want a self-custodial Visa card with 0% FX markup and free ATM withdrawals on the Signature tier.
Avoid it if you want clearly documented custody and traditional governance: it's in beta, custody isn't well documented, and the structure is atypical.
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.
Base
- Price
- Free
- Issuance fee
- Free
- FX markup
- 0%
- Cashback currency
- Nessuno
- Required staking
- Nessuno
- ATM fee
- 0.65%
- ATM limit
- $1 + 0,65% a prelievo (limite $250/giorno; tier Signature $0)
- Net annual cost
- Free
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 | 0.65% |
| Free ATM limit | $1 + 0,65% a prelievo (limite $250/giorno; tier Signature $0) |
| 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 |
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.
Reputation
What happened to people who used Avici Money, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
Past incidents, resolvedDocumented and closed events. They stay on file: an operator’s past is data, not a verdict.
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Hack / funds theft Severe $501K ✓ resolved
Exploit of issuer Rain's Solana card contracts: $500,859 drained from 1,685 users' card balances
On 28 Aug 2026 an attacker exploited a vulnerability in an outdated version of issuer Rain's Solana card contracts, withdrawing funds from users' card balances. Avici acknowledged the issue roughly two hours after the first theft; the AVICI token dropped 49% to an all-time low. Early onchain estimates put the loss above $1M (10,005 SOL plus USDC and USDT), but the official reconciliation Avici published on the evening of 28 Aug (22:44 CEST) revises the damage down to $500,859.22 across 1,685 affected users. Avici states the app's Solana and EVM wallets are self-custodial and were NOT touched: only the separate Solana contract holding the balance topped up onto the card was hit. The contract has been upgraded across all programs and no further unauthorized activity has been observed. Avici promised full reimbursement of every affected user and filed a report with the FBI's Internet Crime Complaint Center. On 29 Aug Avici declared refunds COMPLETED: full balance restored to every affected user, plus an extra 10% cashback on the amount withdrawn. Solana contract upgraded, no further related activity observed.
↗ source
verified on
Public reviews
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App Store ↗
4.5/5
49 reviews
Exact figure from itunes lookup (US storefront, app id 6465962039). Rating covers the 'Avici' app as a whole (wallet + card), not the Visa card in isolation. Small sample (49 ratings).
Weighted average across 1 public review platform (49 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
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