A personal account is what a AVORA card draws from. It holds balances in 38 currencies, receives salary and transfers, and settles every card authorisation in real time rather than overnight.
There is one account type, not a ladder of them. What changes between plans is the card and the extras around it, never the account underneath — so choosing wrong costs you nothing.
What it gives you
One published rate
0.04% to convert, identical on a Sunday and a Tuesday. No weekend surcharge and no markup folded into the rate.
Real-time settlement
Every authorisation appears the second it happens, with the merchant, the amount and the rate applied. Not a pending block that resolves in three days.
No minimum balance
No fee for holding a low balance, and no fee for holding a high one.
What is included
- Balances in 38 currencies in one account
- Notification on every authorisation
- Sub-accounts for rent, bills and goals
- Payee verification before a first transfer
- Statement export in PDF and machine-readable form
- Instant card freeze at the authorisation layer
Who it is for
Someone who spends across borders often enough that the exchange rate matters more than the branch network.
Questions
About ten minutes, most of which is identity verification. The account is usable before the physical card ships.
The Standard plan has none. Metal and Reserve carry a stated monthly fee and nothing beyond it.