CARD FEATURE OVERVIEW.
| 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 | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €2,000 |
| DAILY LIMIT | €30,000 |
| 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 | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €2,000 |
| DAILY LIMIT | €30,000 |
| 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 | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €2,000 |
| DAILY LIMIT | €30,000 |
| 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 | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €2,000 |
| DAILY LIMIT | €30,000 |
| 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 | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €2,000 |
| DAILY LIMIT | €30,000 |
| 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 | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €2,000 |
| DAILY LIMIT | €30,000 |
Free: €0.00/mo — FX from 0.50%, ATM 1.5%, incoming SEPA free
Gold: €0.90/mo — FX from 0.20%, ATM €200/mo free
Platinum: €6.90/mo — FX from 0.00%, ATM €800/mo free
Pro: €6.90/mo — same FX/ATM as Platinum + Unlimited Reward Zone + ZEN PRO Card
Business Smart: €25.00/mo standard pricing — FX from 0.50%, ATM €200/mo free, then 2%
Business Enterprise: €100.00/mo — FX from 0.00%, ATM €1,500/mo free, then 2%
Cashback
Free: Instant Cashback at 50% of the standard offer rate
Gold / Platinum / Pro: full Instant Cashback
Smart Business: Instant Cashback at 50% rate
Enterprise: full Instant Cashback
Pro: Unlimited Reward Zone through the ZEN PRO Card
THE REAL STORY ON THIS CARD.
- FREE VIRTUAL CARD AVAILABLE WITH FREE PLAN
- PHYSICAL CARDS INCLUDED WITH PAID PLANS
- 35 SUPPORTED FIAT CURRENCIES
- INTEGRATED CRYPTO TRADING AND DCA
- APPLE PAY, GOOGLE PAY, GARMIN & XIAOMI PAY
- INSTANT CASHBACK AVAILABLE ON ELIGIBLE PURCHASES
- ZEN CARE SHOPPING PROTECTION ON PAID PLANS
- 1-YEAR EXTENDED WARRANTY ON ELIGIBLE PURCHASES
- 2-YEAR WARRANTY WITH ZEN PRO CARD PURCHASES
- MULTI-CURRENCY ACCOUNTS WITH SEPA & SWIFT SUPPORT
- HIGH DAILY CARD SPENDING LIMITS AVAILABLE
- ZEN HOLDS FIAT, NOT CRYPTO BALANCES
- MONTHLY FEES APPLY TO PAID PLANS
- FREE PLAN CHARGES 1.5% FOR ATM WITHDRAWALS
- ATM FEES APPLY AFTER MONTHLY FREE ALLOWANCES
- FX FEES VARY BY SUBSCRIPTION PLAN
- CASHBACK RATES VARY BY PLAN AND MERCHANT
- CARD AVAILABILITY DEPENDS ON SUPPORTED COUNTRIES
- VISA OR MASTERCARD NETWORK CANNOT BE CHOSEN
- CRYPTO SERVICES LIMITED TO ZEN.COM UAB CUSTOMERS
- ZEN CARD PAYMENTS DO NOT EARN SHARDS
- SOME BENEFITS REQUIRE HIGHER-TIER PLANS
- WARRANTY ONLY COVERS ELIGIBLE PURCHASES
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.
HAPPY WITH WHAT YOU SEE?
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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 | ||||
| BLOCKCHAIN | ||||
| REGION |