Avici Card ATM Limits: $3,000 a Day, Three Withdrawals
Avici raised the daily ATM withdrawal cap on its cards to $3,000 for every user on 19 September. The number only means something read next to the two limits sitting underneath it, because those decide how much of the $3,000 anyone can actually take out.
Withdrawals stop at $1,000 per transaction and three transactions per day, on both the Platinum and Signature tiers. $3,000 is the product of those two numbers rather than a separate allowance: reaching it means three withdrawals of exactly $1,000 each. ATMs enforce their own per-dispense limits, often a few hundred in local currency, so the ceiling most people meet is whatever the machine allows multiplied by three.
The ATM fee is the whole difference between Platinum and Signature
Platinum pays $1 plus 0.65% per ATM withdrawal. Signature pays nothing. The same split runs through the smaller charges: a declined ATM transaction costs $0.60 on Platinum and $0 on Signature, and a balance inquiry costs the same again. Declined card purchases are free on both tiers, but that exemption stops at the ATM.
At the $1,000 transaction maximum a Platinum withdrawal costs $7.50, which sets up a direct comparison, because Signature is the more expensive card to hold. A virtual Platinum is $15 once with nothing recurring; a virtual Signature is $30 for the first year and $20 a year after that. Two maximum-size withdrawals cover the $15 gap in year one, and fewer than three cover the $20 a year that follows. Physical cards start further apart — $50 once for Platinum against $75 plus $20 a year from the second year for Signature — so the first year takes a little over three.
Smaller withdrawals move that break-even a long way. A $200 withdrawal costs $1 plus $1.30, or $2.30, so covering Signature's $20 annual fee in $200 increments takes roughly nine withdrawals a year. Someone who takes out cash rarely and in small amounts is paying an annual fee to avoid charges they would barely incur.
0% FX markup is Avici's own line, not the total
Avici adds no transaction fee and no FX markup of its own, and says Visa may apply a cross-border fee of roughly 0.4% to 1% on non-USD transactions. Withdrawing cash abroad is exactly the case that note covers, so a foreign-currency withdrawal costs the network fee rather than nothing, on both tiers.
Virtual cards at ATMs are documented only for physical cards
Avici says virtual cards work at NFC-capable ATMs. It also describes ATM access as a physical-card capability, and its guidance for virtual cards covers online checkout and Apple Pay or Google Pay without mentioning cash. A virtual card therefore needs a machine with contactless support and the card already loaded into a phone wallet, neither of which is guaranteed at an arbitrary ATM, and there is no published list of where it works.
Every Avici card, virtual or physical, draws on one shared spending balance, and Avici has not said whether the three-per-day counter applies per card or per account. Holding several cards is not a documented way around the limit.
Count the cash withdrawals in a normal year, multiply by $1 plus 0.65% of the usual amount, and set that against $20. Card details and fee fields are on the Avici Card page, and Ether.fi Cash is built the same way, with a fee profile that makes cash a backup rather than a habit.
Sources: Avici fees and limits, Avici spending and transactions.
