COMPANY detail
ZEN Card Better card. Better shopping
TIERS
W BONUS
NONE
CASHBACK
YES
REGISTER FEE
FREE
NEED KYC
YES
FX FEE
UP TO %1.4
APR
NO
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
NOT DISCLOSED
APPLE PAY
YES
IBAN/SWIFT
YES
ATM LIMIT
€0
DAILY LIMIT
€30,000
GET THE CARD
W BONUS
NONE
CASHBACK
YES
REGISTER FEE
€0.90/MONTH
NEED KYC
YES
FX FEE
UP TO %0.9
APR
NO
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
NOT DISCLOSED
APPLE PAY
YES
IBAN/SWIFT
YES
ATM LIMIT
€200
DAILY LIMIT
€30,000
GET THE CARD
W BONUS
NONE
CASHBACK
YES
REGISTER FEE
€6.90/MONTH
NEED KYC
YES
FX FEE
UP TO %0.5
APR
NO
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
NOT DISCLOSED
APPLE PAY
YES
IBAN/SWIFT
YES
ATM LIMIT
€800
DAILY LIMIT
€30,000
GET THE CARD
W BONUS
NONE
CASHBACK
YES
REGISTER FEE
€6.90/MONTH
NEED KYC
YES
FX FEE
UP TO %0.2
APR
NO
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
NOT DISCLOSED
APPLE PAY
YES
IBAN/SWIFT
YES
ATM LIMIT
€800
DAILY LIMIT
€30,000
GET THE CARD
W BONUS
NONE
CASHBACK
YES
REGISTER FEE
FREE
NEED KYC
YES
FX FEE
Mid Rate+0.60%
APR
NO
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
NOT DISCLOSED
APPLE PAY
YES
IBAN/SWIFT
YES
ATM LIMIT
€200
DAILY LIMIT
€30,000
GET THE CARD
W BONUS
NONE
CASHBACK
YES
REGISTER FEE
€100/MONTH
NEED KYC
YES
FX FEE
Mid Rate+0.1%
APR
NO
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
NOT DISCLOSED
APPLE PAY
YES
IBAN/SWIFT
YES
ATM LIMIT
€1,500
DAILY LIMIT
€30,000
GET THE CARD
FREE
| W BONUS | NONE |
|---|---|
| CASHBACK | YES |
| REGISTER FEE | FREE |
| NEED KYC | YES |
| FX FEE | UP TO %1.4 |
| APR | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NOT DISCLOSED |
| APPLE PAY | YES |
| IBAN/SWIFT | YES |
| ATM LIMIT | €0 |
| DAILY LIMIT | €30,000 |
GOLD
| W BONUS | NONE |
|---|---|
| CASHBACK | YES |
| REGISTER FEE | €0.90/MONTH |
| NEED KYC | YES |
| FX FEE | UP TO %0.9 |
| APR | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NOT DISCLOSED |
| APPLE PAY | YES |
| IBAN/SWIFT | YES |
| ATM LIMIT | €200 |
| DAILY LIMIT | €30,000 |
PLATINUM
| W BONUS | NONE |
|---|---|
| CASHBACK | YES |
| REGISTER FEE | €6.90/MONTH |
| NEED KYC | YES |
| FX FEE | UP TO %0.5 |
| APR | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NOT DISCLOSED |
| APPLE PAY | YES |
| IBAN/SWIFT | YES |
| ATM LIMIT | €800 |
| DAILY LIMIT | €30,000 |
PRO
| W BONUS | NONE |
|---|---|
| CASHBACK | YES |
| REGISTER FEE | €6.90/MONTH |
| NEED KYC | YES |
| FX FEE | UP TO %0.2 |
| APR | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NOT DISCLOSED |
| APPLE PAY | YES |
| IBAN/SWIFT | YES |
| ATM LIMIT | €800 |
| DAILY LIMIT | €30,000 |
SMART/BUSINESS
| W BONUS | NONE |
|---|---|
| CASHBACK | YES |
| REGISTER FEE | FREE |
| NEED KYC | YES |
| FX FEE | Mid Rate+0.60% |
| APR | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NOT DISCLOSED |
| APPLE PAY | YES |
| IBAN/SWIFT | YES |
| ATM LIMIT | €200 |
| DAILY LIMIT | €30,000 |
ENTERPRISE/BUSINESS
| W BONUS | NONE |
|---|---|
| CASHBACK | YES |
| REGISTER FEE | €100/MONTH |
| NEED KYC | YES |
| FX FEE | Mid Rate+0.1% |
| APR | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NOT DISCLOSED |
| APPLE PAY | YES |
| IBAN/SWIFT | YES |
| ATM LIMIT | €1,500 |
| DAILY LIMIT | €30,000 |
Cashback Terms: Cashback may change, be available for a limited time, have limits, or even be awarded in points or other forms. For precise details, always check the card’s website.

ZEN CARD
| FEATURE | FREE | GOLD | PLATINUM | PRO |
|---|---|---|---|---|
| W BONUS | NONE | NONE | NONE | NONE |
| CASHBACK | YES | YES | YES | YES |
| REGISTER FEE | FREE | €0.90/MONTH | €6.90/MONTH | €6.90/MONTH |
| NEED KYC | YES | YES | YES | YES |
| FX FEE | UP TO %1.4 | UP TO %0.9 | UP TO %0.5 | UP TO %0.2 |
| APR | NO | NO | NO | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD | VIRTUAL AND PHYSICAL CARD | VIRTUAL AND PHYSICAL CARD | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | ||||
| BLOCKCHAIN | ||||
| REGION |
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The Real Story on This Card.
PROS
Free Registration/Free Tiers
Get Cashback Instantly
Support Multiple Regions
IBAN AVAILABLE
High Daily Spending Limit
Multi-Tiers Available
CONS
Some Details Are Not Clearly Specified
Variable FX & Top-up Fees
Limited Free ATM Withdrawals
GENERAL Questions
Where can I open a ZEN Personal account?
Wondering if you can open a ZEN Personal account, or which documents you can use for verification? Here’s the full list of supported countries and documents. It helps you save time and ensures your registration goes smoothly.
The accepted identity documents depend on your nationality. If your document or country isn’t listed yet, it means we can’t open an account for you right now. We’re expanding the list regularly, so check back soon to see if your country has been added.
https://ask.zen.com/hc/en-us/articles/10955956082076-Where-can-I-open-a-ZEN-Personal-account
The accepted identity documents depend on your nationality. If your document or country isn’t listed yet, it means we can’t open an account for you right now. We’re expanding the list regularly, so check back soon to see if your country has been added.
https://ask.zen.com/hc/en-us/articles/10955956082076-Where-can-I-open-a-ZEN-Personal-account
What is a ZEN PRO Card?
A ZEN PRO Card is a payment card that gives you access to extra benefits when you pay and shop, while keeping everyday payments simple.
You can use the ZEN PRO Card for in-store payments, online purchases, and professional or private expenses.
Who can get a ZEN PRO Card?
The ZEN PRO Card is available for:
Individual ZEN accounts
If you are subscribed to the Pro plan. If you do not see the ZEN PRO Card in the app, check that your plan is set to Pro.
Business ZEN accounts
For business clients who have permission to order cards.
You can use the ZEN PRO Card for in-store payments, online purchases, and professional or private expenses.
Who can get a ZEN PRO Card?
The ZEN PRO Card is available for:
Individual ZEN accounts
If you are subscribed to the Pro plan. If you do not see the ZEN PRO Card in the app, check that your plan is set to Pro.
Business ZEN accounts
For business clients who have permission to order cards.
What is a ZEN Basic Card?
A ZEN Basic Card (sometimes called a ZEN Standard Card) is a payment card for everyday spending. It lets you pay and shop with your ZEN account and gives you access to standard ZEN.COM benefits when you have an active paid plan.
Who can get a ZEN Basic Card?
The ZEN Basic Card is available for:
Individual ZEN accounts
Available to individual clients who have permission to order cards.
Business ZEN accounts
Available to business clients who have permission to order cards.
To learn how to order a card, see How to order a physical ZEN Card.
What benefits do I get with a ZEN Basic Card?
The ZEN Basic Card gives you additional benefits if you have an active paid ZEN Subscription Plan (Gold, Platinum, Pro, Smart [Business], or Enterprise [Business]).
Who can get a ZEN Basic Card?
The ZEN Basic Card is available for:
Individual ZEN accounts
Available to individual clients who have permission to order cards.
Business ZEN accounts
Available to business clients who have permission to order cards.
To learn how to order a card, see How to order a physical ZEN Card.
What benefits do I get with a ZEN Basic Card?
The ZEN Basic Card gives you additional benefits if you have an active paid ZEN Subscription Plan (Gold, Platinum, Pro, Smart [Business], or Enterprise [Business]).
What benefits do I get when I use a ZEN Card?
Using a ZEN Card gives you more flexibility when you pay, shop, or manage money. You can spend in multiple currencies, earn cashback, and get extra protection for your purchases, all in the ZEN.COM app.
What you get with a ZEN Card
Pay and manage money in multiple currencies
You can hold and exchange different currencies in your ZEN account, often without extra exchange fees, depending on your plan. This makes everyday payments and travel simpler.
See: How to exchange currency in the ZEN.COM app
Easy top-ups and transfers
You can add money to your account and send it in several ways, depending on what’s most convenient for you.
See: How to top up your ZEN account, How to transfer money from your ZEN account
Instant Cashback and shopping deals
When you pay with your ZEN Card, you can get Instant Cashback and access exclusive e-commerce offers, depending on your plan and the merchant.
See: How does Instant Cashback work?
Shopping protection with ZEN Care (paid plans)
If something goes wrong with a purchase, ZEN Care can help. This includes support with refunds, returns, and card transaction issues, so you don’t have to handle everything on your own.
See: How to get help with a purchase using ZEN Care Shopping Protection
Extended Warranty for electronics (paid plans)
For eligible electronics, ZEN can extend the manufacturer’s warranty by one year. This gives you extra peace of mind after the original warranty ends.
See: How does 1 year of ZEN Extended Warranty work?
Manage everything in one place
All these benefits are available in the ZEN.COM app. You can check your cards, payments, rewards, and protection features in one place, whenever you need them.
What you get with a ZEN Card
Pay and manage money in multiple currencies
You can hold and exchange different currencies in your ZEN account, often without extra exchange fees, depending on your plan. This makes everyday payments and travel simpler.
See: How to exchange currency in the ZEN.COM app
Easy top-ups and transfers
You can add money to your account and send it in several ways, depending on what’s most convenient for you.
See: How to top up your ZEN account, How to transfer money from your ZEN account
Instant Cashback and shopping deals
When you pay with your ZEN Card, you can get Instant Cashback and access exclusive e-commerce offers, depending on your plan and the merchant.
See: How does Instant Cashback work?
Shopping protection with ZEN Care (paid plans)
If something goes wrong with a purchase, ZEN Care can help. This includes support with refunds, returns, and card transaction issues, so you don’t have to handle everything on your own.
See: How to get help with a purchase using ZEN Care Shopping Protection
Extended Warranty for electronics (paid plans)
For eligible electronics, ZEN can extend the manufacturer’s warranty by one year. This gives you extra peace of mind after the original warranty ends.
See: How does 1 year of ZEN Extended Warranty work?
Manage everything in one place
All these benefits are available in the ZEN.COM app. You can check your cards, payments, rewards, and protection features in one place, whenever you need them.