Fees
Every published figure in one place, and a plain warning about all of them.
Last updated
These numbers are invented
AVORA is a demonstration project. It holds no banking licence, is authorised by no regulator, takes no deposits and sells nothing. This document is written to show the shape and tone such a document takes, and creates no rights or obligations for anyone.
The figures below are the ones quoted elsewhere on this site, gathered here so they can be read together. They are illustrative. Do not compare them to a real provider's rate card and conclude anything.
What the site quotes
As stated on the home page and in the plan sheets:
- Spending abroad: 0.04% of the amount converted, quoted as identical on weekdays and weekends.
- Crypto conversion to spendable balance: 0.04%, quoted as settling instantly.
- Standard plan: no monthly fee, no minimum balance.
- Metal plan: €9.99 per month.
- Reserve plan: €95 per month.
- Card shipping after a series closes: no charge, quoted as five working days.
What a real rate card would add
A genuine institution would have to publish ATM withdrawal limits and the charge beyond them, the interchange it earns, the cost of a replacement card, and the circumstances in which any of it can change with notice. None of that exists here.
What does exist, and is worth saying: the platform applies a configurable spread to currency conversions, and staff can charge a tax to an account. Both are shown to the customer before they are committed — the spread in the conversion's breakdown, a tax on its own screen with its reason. Neither has a published tariff, because the figures are configured per installation rather than per product.