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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
visamastercard
BLOCKCHAIN
ethereumbitcoin
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
visamastercard
BLOCKCHAIN
ethereumbitcoin
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
visamastercard
BLOCKCHAIN
ethereumbitcoin
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
visamastercard
BLOCKCHAIN
ethereumbitcoin
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
visamastercard
BLOCKCHAIN
ethereumbitcoin
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
visamastercard
BLOCKCHAIN
ethereumbitcoin
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 visamastercard
BLOCKCHAIN ethereumbitcoin
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 visamastercard
BLOCKCHAIN ethereumbitcoin
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 visamastercard
BLOCKCHAIN ethereumbitcoin
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 visamastercard
BLOCKCHAIN ethereumbitcoin
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 visamastercard
BLOCKCHAIN ethereumbitcoin
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 visamastercard
BLOCKCHAIN ethereumbitcoin
REGION USAEUUKGLOBAL
WALLET TYPE CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT €2,000
DAILY LIMIT €30,000
GET IT NOW
Last Updated: Sep 22, 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/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.

PROS
[ STRENGTHS ]
  • thumbs-up-fill FREE VIRTUAL CARD AVAILABLE WITH FREE PLAN
  • thumbs-up-fill PHYSICAL CARDS INCLUDED WITH PAID PLANS
  • thumbs-up-fill 35 SUPPORTED FIAT CURRENCIES
  • thumbs-up-fill INTEGRATED CRYPTO TRADING AND DCA
  • thumbs-up-fill APPLE PAY, GOOGLE PAY, GARMIN & XIAOMI PAY
  • thumbs-up-fill INSTANT CASHBACK AVAILABLE ON ELIGIBLE PURCHASES
  • thumbs-up-fill ZEN CARE SHOPPING PROTECTION ON PAID PLANS
  • thumbs-up-fill 1-YEAR EXTENDED WARRANTY ON ELIGIBLE PURCHASES
  • thumbs-up-fill 2-YEAR WARRANTY WITH ZEN PRO CARD PURCHASES
  • thumbs-up-fill MULTI-CURRENCY ACCOUNTS WITH SEPA & SWIFT SUPPORT
  • thumbs-up-fill HIGH DAILY CARD SPENDING LIMITS AVAILABLE
CONS
[ LIMITATIONS ]
  • thumbs-down-fill ZEN HOLDS FIAT, NOT CRYPTO BALANCES
  • thumbs-down-fill MONTHLY FEES APPLY TO PAID PLANS
  • thumbs-down-fill FREE PLAN CHARGES 1.5% FOR ATM WITHDRAWALS
  • thumbs-down-fill ATM FEES APPLY AFTER MONTHLY FREE ALLOWANCES
  • thumbs-down-fill FX FEES VARY BY SUBSCRIPTION PLAN
  • thumbs-down-fill CASHBACK RATES VARY BY PLAN AND MERCHANT
  • thumbs-down-fill CARD AVAILABILITY DEPENDS ON SUPPORTED COUNTRIES
  • thumbs-down-fill VISA OR MASTERCARD NETWORK CANNOT BE CHOSEN
  • thumbs-down-fill CRYPTO SERVICES LIMITED TO ZEN.COM UAB CUSTOMERS
  • thumbs-down-fill ZEN CARD PAYMENTS DO NOT EARN SHARDS
  • thumbs-down-fill SOME BENEFITS REQUIRE HIGHER-TIER PLANS
  • thumbs-down-fill 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.

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MORE CRYPTO CARDS.

ZEN CARD
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 visamastercard visamastercard visamastercard visamastercard
BLOCKCHAIN ethereumbitcoin ethereumbitcoin ethereumbitcoin ethereumbitcoin
REGION USAEUUKGLOBAL USAEUUKGLOBAL USAEUUKGLOBAL USAEUUKGLOBAL
VISIT TODEY.XYZ TO FIND THE RIGHT CRYPTO CARD.

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