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ZEN Card
Better card. Better shopping

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CARD FEATURE OVERVIEW.

TIERS
W BONUS
NONE
REG FEE / REQ
FREE
CASHBACK
YES
NEED KYC
YES
FX FEE
0.50%
APR / YIELD
NO
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
mastercard
BLOCKCHAIN
ethereumbitcoinsolanacardanoMore
REGION
USAEUUKGLOBAL
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
€2,000
DAILY LIMIT
€30,000
GET THE CARD
W BONUS
NONE
REG FEE / REQ
€0.90/MO
CASHBACK
YES
NEED KYC
YES
FX FEE
0.20%
APR / YIELD
NO
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
mastercard
BLOCKCHAIN
ethereumbitcoinsolanacardanoMore
REGION
USAEUUKGLOBAL
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
€2,000
DAILY LIMIT
€30,000
GET THE CARD
W BONUS
NONE
REG FEE / REQ
€6.90/MO
CASHBACK
YES
NEED KYC
YES
FX FEE
0%
APR / YIELD
NO
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
mastercard
BLOCKCHAIN
ethereumbitcoinsolanacardanoMore
REGION
USAEUUKGLOBAL
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
€2,000
DAILY LIMIT
€30,000
GET THE CARD
W BONUS
NONE
REG FEE / REQ
€6.90/MO
CASHBACK
YES
NEED KYC
YES
FX FEE
0%
APR / YIELD
NO
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
mastercard
BLOCKCHAIN
ethereumbitcoinsolanacardanoMore
REGION
USAEUUKGLOBAL
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
€2,000
DAILY LIMIT
€30,000
GET THE CARD
W BONUS
NONE
REG FEE / REQ
€25/MO
CASHBACK
YES
NEED KYC
YES
FX FEE
0.50%
APR / YIELD
NO
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
mastercard
BLOCKCHAIN
ethereumbitcoinsolanacardanoMore
REGION
USAEUUKGLOBAL
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
€2,000
DAILY LIMIT
€30,000
GET THE CARD
W BONUS
NONE
REG FEE / REQ
€100/MO
CASHBACK
YES
NEED KYC
YES
FX FEE
0%
APR / YIELD
NO
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
mastercard
BLOCKCHAIN
ethereumbitcoinsolanacardanoMore
REGION
USAEUUKGLOBAL
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
€2,000
DAILY LIMIT
€30,000
GET THE CARD
FREE
W BONUS NONE
REG FEE / REQ FREE
CASHBACK YES
NEED KYC YES
FX FEE 0.50%
APR / YIELD NO
CARD TYPE VIRTUAL AND PHYSICAL CARD
CARD NETWORK mastercard
BLOCKCHAIN ethereumbitcoinsolanacardanoMore
REGION USAEUUKGLOBAL
WALLET TYPE CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT €2,000
DAILY LIMIT €30,000
GET IT NOW
GOLD
W BONUS NONE
REG FEE / REQ €0.90/MO
CASHBACK YES
NEED KYC YES
FX FEE 0.20%
APR / YIELD NO
CARD TYPE VIRTUAL AND PHYSICAL CARD
CARD NETWORK mastercard
BLOCKCHAIN ethereumbitcoinsolanacardanoMore
REGION USAEUUKGLOBAL
WALLET TYPE CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT €2,000
DAILY LIMIT €30,000
GET IT NOW
PLATINUM
W BONUS NONE
REG FEE / REQ €6.90/MO
CASHBACK YES
NEED KYC YES
FX FEE 0%
APR / YIELD NO
CARD TYPE VIRTUAL AND PHYSICAL CARD
CARD NETWORK mastercard
BLOCKCHAIN ethereumbitcoinsolanacardanoMore
REGION USAEUUKGLOBAL
WALLET TYPE CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT €2,000
DAILY LIMIT €30,000
GET IT NOW
PRO
W BONUS NONE
REG FEE / REQ €6.90/MO
CASHBACK YES
NEED KYC YES
FX FEE 0%
APR / YIELD NO
CARD TYPE VIRTUAL AND PHYSICAL CARD
CARD NETWORK mastercard
BLOCKCHAIN ethereumbitcoinsolanacardanoMore
REGION USAEUUKGLOBAL
WALLET TYPE CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT €2,000
DAILY LIMIT €30,000
GET IT NOW
SMART/BUSINESS
W BONUS NONE
REG FEE / REQ €25/MO
CASHBACK YES
NEED KYC YES
FX FEE 0.50%
APR / YIELD NO
CARD TYPE VIRTUAL AND PHYSICAL CARD
CARD NETWORK mastercard
BLOCKCHAIN ethereumbitcoinsolanacardanoMore
REGION USAEUUKGLOBAL
WALLET TYPE CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT €2,000
DAILY LIMIT €30,000
GET IT NOW
ENTERPRISE/BUSINESS
W BONUS NONE
REG FEE / REQ €100/MO
CASHBACK YES
NEED KYC YES
FX FEE 0%
APR / YIELD NO
CARD TYPE VIRTUAL AND PHYSICAL CARD
CARD NETWORK mastercard
BLOCKCHAIN ethereumbitcoinsolanacardanoMore
REGION USAEUUKGLOBAL
WALLET TYPE CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT €2,000
DAILY LIMIT €30,000
GET IT NOW
Last Updated: Aug 8, 2026
CASHBACK
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.
REGIONAL AVAILABILITY
CLICK TO VIEW MAP
Available
Restricted
Not Specified
  • Free: 0.00 EUR/mo — FX from 0.50%, ATM 1.5%, SEPA in free
  • Gold: 0.90 EUR/mo — FX from 0.20%, ATM 200 EUR/mo free
  • Platinum: 6.90 EUR/mo — FX from 0.00%, ATM 800 EUR/mo free
  • PRO: 6.90 EUR/mo (limited promo) — same FX/ATM as Platinum + Reward Zone + ATM FeePass
  • Business Smart: 25.00 EUR/mo — FX from 0.50%, ATM 200 EUR/mo free (2% above)
  • Business Enterprise: 100.00 EUR/mo — FX from 0.00%, ATM 1,500 EUR/mo free (2% above)

All paid plans include ZEN Care Shopping Protection and Extended Warranty. SEPA incoming is free on all plans. SWIFT: 0.1% + 3–15 EUR depending on tier. Platinum/Pro/Enterprise include free outgoing SEPA transfers. Card top-up fees for EEA individual cards: Free 0.5%, Gold+ 0%. Non-EEA: 2.5–3%.

Only EUR balance can be topped up with crypto. Other currency balances cannot.

SWIFT incoming: 0.1% + 3–15 EUR depending on plan. Adds up fast for international transfers.

  • Cashback: Free and Biz Smart plans get Instant Cashback at 50% rate; paid personal plans get full Instant Cashback; PRO adds unlimited Reward Zone for extra moneyback via Shards/Stones, but ZEN Travel Cards earn nothing.

THE REAL STORY ON THIS CARD.

PROS
[ STRENGTHS ]
  • thumbs-up-fill Free virtual card with account (Free tier)
  • thumbs-up-fill Physical card with free worldwide shipping
  • thumbs-up-fill Strong multi-currency support (28+ currencies)
  • thumbs-up-fill Integrated crypto trading (buy/sell/dca)
  • thumbs-up-fill Exchange partnerships (Binance, Bybit, Bitget)
  • thumbs-up-fill Licensed in EEA, UK, and Singapore
  • thumbs-up-fill Apple Pay, Google Pay, Garmin Pay, Xiaomi Pay supported
  • thumbs-up-fill ZEN Care Shopping Protection on paid plans
  • thumbs-up-fill Extended warranty on electronics (1-2 years)
CONS
[ LIMITATIONS ]
  • thumbs-down-fill Custodial wallet only
  • thumbs-down-fill No yield/staking on crypto balances
  • thumbs-down-fill KYC required for all users
  • thumbs-down-fill ATM fees on basic plan (1.5%)

GENERAL QUESTIONS.

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

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.

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]).

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.

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MORE CRYPTO CARDS.

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FEATURE FREE GOLD PLATINUM PRO
W BONUS NONE NONE NONE NONE
REG FEE / REQ FREE €0.90/MO €6.90/MO €6.90/MO
CASHBACK YES YES YES YES
NEED KYC YES YES YES YES
FX FEE 0.50% 0.20% 0% 0%
APR / YIELD NO NO NO NO
CARD TYPE VIRTUAL AND PHYSICAL CARD VIRTUAL AND PHYSICAL CARD VIRTUAL AND PHYSICAL CARD VIRTUAL AND PHYSICAL CARD
CARD NETWORK mastercard mastercard mastercard mastercard
BLOCKCHAIN ethereumbitcoinsolanacardanoMore ethereumbitcoinsolanacardanoMore ethereumbitcoinsolanacardanoMore ethereumbitcoinsolanacardanoMore
REGION USAEUUKGLOBAL USAEUUKGLOBAL USAEUUKGLOBAL USAEUUKGLOBAL
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