Head to head
Gnosis Pay vs Avici
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Gn Gnosis Pay | Av Avici |
|---|---|---|
| Overall rank | #7 of 13 | #13 of 13 |
| Gross FX spread | 0% | 1.15% |
| Net cost on test | N/A | |
| Base cashback | 0 | 0 |
| Custody | Self-custodial | Non-Custodial |
| Virtual card | Free | $15 once off/ $30 yearly premium |
| Physical card | €30 | Physical Platinum is $50; Physical Signature is $75 |
| Spend limit | €5,000 per transaction / €8,000 daily | Undisclosed |
| ATM withdrawals | 5 free ATM withdrawals per month or up to €200 | $1 Fee + 0.65 |
| Setup time | 20 minutes | ~10 minutes |
| KYC steps | 3 | 4 |
| Score | 8/10 | 5/10 |
Gnosis Pay
Gnosis Pay is arguably the most secure and technologically advanced self-custodial card on the market. Gnosis Pay's parent company is one of the most respected within the crypto space. This adds a lot of trustworthiness to the system. The self-custody method is highly recommended, though KYC is standard.
Avici
Avici functions as a self-custodial secured Visa credit card rather than a traditional direct-spend debit card. You must lock USDC into a smart contract to access an equivalent USD credit line. While the underlying account abstraction technology is excellent for security, the steep physical card issuance fees and reported hidden spreads on top-ups make it a heavily restrictive option compared to standard crypto debit cards.
Who ranks these cards
I'm Tristyn Pawson, founder of ConsistenC.xyz. Over the last five years I've worked on marketing, development and growth across five crypto cards and neobanks, building at least three of them from scratch.
Alongside that I've run in-depth research on 20+ crypto banks to understand what actually makes someone keep a card in their wallet. These rankings reflect that: which problems are tolerable, and which ones are genuine deal breakers.
- Years in market
- 5
- Cards built on
- 5
- Neobanks researched
- 20+