Main strengths
- The Free plan has no monthly charge and 0.5% weekday FX margin.
- Physical and virtual cards work with Apple Pay and Google Pay.
- Incoming and outgoing routes list USDT, BTC, ETH and USDC.
ZEN Mastercard conceptNot actual design
Stablecoin account + Mastercard/Visa card
ZEN Card
ZEN Card is a Visa-or-Mastercard account card funded from a fiat e-money balance. Its Free-to-Pro plans combine physical and virtual cards, phone wallets, multi-currency payments and SEPA transfers, while crypto routes convert USDT, BTC, ETH or USDC through external providers rather than spending crypto directly.
Visa / MCLow FXNo CEXTravel focusUS availableClear fees
Main trade-offs
- The Free plan charges 1.5% at ATMs with no monthly allowance.
- Merchant cashback rates are variable and visible only in the ZEN app.
- Exact crypto networks and universal card-country coverage remain unknown.
01 · Core economics
Costs that matter
Use these ranges as quick boundaries. Exact Free, Gold, Platinum and Pro pricing, allowances and reward entitlement are shown under Memberships.
ItemStandard tierWhat it means
Annual plan€0–€6.90/moFour monthly plans are available; exact prices and included cards are shown under Memberships.
Cash funding0%–3%Payment-card top-up pricing depends on card origin and plan; exact plan rates are under Memberships.
Provider FX margin0–0.5% + 0.4% wkndThe weekday margin depends on plan; the additional weekend margin can apply to every plan.
Asset conversion fee0%No separate asset-conversion fee is listed for card spending.
ATM withdrawal€0–€800/mo free; then 1.5%The free monthly allowance depends on plan; withdrawals above an allowance cost 1.5%.
Card spending0%ZEN does not add a fee to ordinary card purchases; merchant or other third-party charges can still apply.
Physical card€0–€10The first-card price, included quantity and shipping depend on plan; details are under Memberships.
Extra virtual card€5Applies after the plan's included virtual-card allowance; exact allowances are under Memberships.
Limits and secondary feesLimits and other fees
Declined transactionNot disclosedNot disclosed
Daily card spendNot disclosedListed
Monthly card spendNot disclosedListed
ATM limitNot disclosedListed
Account depositNot disclosedListed
02 · Plans & rewards
Merchant-specific Instant Cashback
ZEN Instant Cashback is active, but it does not use one public rate for every purchase. Choose a participating merchant and current offer in the ZEN app; for online orders, start through the offer link and pay the full order with ZEN Card. Eligible point-of-sale offers require payment with ZEN Card at the participating merchant. Rates and availability vary by partner, country and offer period.
There is no universal purchase rate; use an active merchant offer in the app
The percentage changes by partner, country and current offer period
Eligible cashback returns to the ZEN account in the payment currency
Per user and Program Partner; the daily limit resets at 00:00 CET
Memberships
1-3 / 4
Best default
€0per monthFree
ZEN Basic
- Cashback
- 50% of merchant offer
- Virtual cards
- 1 included; additional virtual cards cost €5
- ATM
- 1.5%
- Card top-up
- EEA personal 0.5%; other eligible cards 3%
- Points
- None
- Physical card
- First card €10; shipping is not included
- FX
- 0.5% weekday margin; additional 0.4% weekend margin
- Best fit
- No monthly fee; receives half of each active merchant-offer cashback rate.
Upgrade
€0.90per monthGold
ZEN Basic
- Cashback
- 100% of merchant offer
- Virtual cards
- 1 included; additional virtual cards cost €5
- ATM
- €200/month free, then 1.5%
- Card top-up
- EEA personal 0%; other eligible cards 2.75%
- Points
- None
- Physical card
- 1 included with shipping; additional cards cost €10
- FX
- 0.2% weekday margin; additional 0.4% weekend margin
- Best fit
- Lowest paid plan; receives the full active offer rate and adds a €200 monthly ATM allowance.
Upgrade
€6.90per monthPlatinum
ZEN Basic
- Cashback
- 100% of merchant offer
- Virtual cards
- 3 included; additional virtual cards cost €5
- ATM
- €800/month free, then 1.5%
- Card top-up
- EEA personal 0%; other eligible cards 2.5%
- Points
- None
- Physical card
- 2 included with shipping; additional cards cost €10
- FX
- 0% weekday margin; 0.4% weekend margin
- Best fit
- Full active offer rate with the larger ATM allowance and lower transfer and FX pricing.
03 · Everyday use
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
Card access
- Mastercard/Visa networkAvailable
- Virtual cardAvailable
- Physical cardAvailable
- ATM withdrawalsAvailable
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appAvailable
Account rails
- Crypto depositsVia provider account
- Bank depositsRegion-dependent
- Crypto withdrawalsVia provider account
- Fiat withdrawalsRegion-dependent
- Direct card top-upsNot supported
04 · Money in and out
How money enters, settles and leaves ZEN.COM
The card uses the provider account balance. Account funding and withdrawal routes are included only when they feed that same card-linked account; they are not presented as direct card top-ups.
Money inWays to fund or receive6 routes
Crypto deposits
2 routes
Crypto depositsIncoming crypto is converted and credits the provider-account EUR balance.USDTBTCETHUSDCFee0.5%SpeedNot confirmedLimits€3,000 / dayAvailabilityConfirmed scopeDetails
Fee components
- 0.5% · processing / FX
Access path
Via provider account
Availability
Supported asset and network combinations
Limit scope
Not publicly confirmed
Restrictions
Asset and network support varies
Crypto top-up to ZEN accountThis is a provider-account route.USDTBTCETHUSDCFee0.5%SpeedNetwork-dependentLimitsCurrent route limits are shown before confirmationAvailabilityConfirmed scopeDetails
Fee components
- 0.5% · processing / FX
Access path
Via provider account
Availability
USDT, BTC, ETH and USDC; exact networks appear in the app
Restrictions
This is a provider-account route. Crypto is converted to EUR and does not become a crypto card balance.
Bank deposits
2 routes
SEPA bank transferCredits the ZEN provider account used by the card.EURFee€0SpeedInstantLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- €0 · transfer
Access path
Via provider account
Availability
Credits the ZEN provider account used by the card.
Limit scope
Not publicly confirmed
SEPA transfersFree has no outgoing SEPA Instant route; other plan pricing varies.EURFee€0–€0.25SpeedInstantLimitsRoute limits remain account- and compliance-dependentAvailabilitySEPADetails
Fee components
- €0 · transfer
- €0.25 · transfer
Access path
Via provider account
Availability
Standard incoming and outgoing EUR SEPA; outgoing instant depends on plan
Restrictions
Free has no outgoing SEPA Instant route; other plan pricing varies.
Card & app top-ups
1 route
Payment-card top-upEEA personal-card pricing is lower than non-EEA or business-card pricing.USDEURGBPAED10 currenciesFee0–3%SpeedVaries by railLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- 0% · transfer
- 3% · transfer
More assets, currencies or networks
SAR, JPY, PHP, THB, MXN, AUD
Access path
Via provider account
Availability
EEA personal-card pricing is lower than non-EEA or business-card pricing.
Limit scope
Not publicly confirmed
Internal funding
1 route
Card-to-card transferThe two directions have separate published fees.EURMXNJPYUGX35 currenciesFee1–2%SpeedVaries by railLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- 1% · transfer
- 2% · transfer
More assets, currencies or networks
NZD, KES, RON, PLN, DKK, HKD, SAR, ILS, SGD, AED, CNY, QAR, SEK, GBP, CHF, USD, CZK, THB, HUF, NOK, AUD, CAD, TRY, ZAR, BHD, KWD, OMR, VND, MYR, PHP, IDR
Access path
Via provider account
Availability
Sending from or receiving to a supported payment card
Limit scope
Not publicly confirmed
Restrictions
The two directions have separate published fees.
Balance & conversionAccount balance
Funds sit in a custodial account balance before card spend or payout.
What happens on receipt
ZEN is an account-backed fiat card.
Money outWays to send, withdraw or settle3 routes
External crypto sends
1 route
ZEN account to external crypto walletTriple A Technologies Pte Ltd or Coreline Solutions LLC may provide the route.USDTBTCETHUSDCFee0.5–2% + No fixed feeSpeedNetwork-dependentLimits€3,000 / dayAvailabilityConfirmed scopeDetails
Fee components
- 2% · transfer
- 0.5% · transfer
- No fixed transfer fee
Access path
Via provider account
Availability
USDT, BTC, ETH and USDC; exact networks appear in the app
Limit scope
€3,000 daily and €7,500 weekly
Restrictions
Triple A Technologies Pte Ltd or Coreline Solutions LLC may provide the route.
Internal transfers
1 route
Card-to-card transferThe two directions have separate published fees.EURMXNJPYUGX35 currenciesFee1–2%SpeedVaries by railLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- 1% · transfer
- 2% · transfer
More assets, currencies or networks
NZD, KES, RON, PLN, DKK, HKD, SAR, ILS, SGD, AED, CNY, QAR, SEK, GBP, CHF, USD, CZK, THB, HUF, NOK, AUD, CAD, TRY, ZAR, BHD, KWD, OMR, VND, MYR, PHP, IDR
Access path
Via provider account
Availability
Sending from or receiving to a supported payment card
Limit scope
Not publicly confirmed
Restrictions
The two directions have separate published fees.
Bank transfers & payouts
1 route
SEPA transfersFree has no outgoing SEPA Instant route; other plan pricing varies.EURFee€0–€0.25SpeedInstantLimitsRoute limits remain account- and compliance-dependentAvailabilitySEPADetails
Fee components
- €0 · transfer
- €0.25 · transfer
Access path
Via provider account
Availability
Standard incoming and outgoing EUR SEPA; outgoing instant depends on plan
Restrictions
Free has no outgoing SEPA Instant route; other plan pricing varies.
06 · Trust and eligibility
Where ZEN.COM is available and who supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
Availability
These entries are regional guidance rather than a complete signup list. A missing country is not treated as unavailable; confirm programme assignment and eligibility during signup.
- Residence perimeter
- 67 countriesPublished regional guidance; final access remains account- and KYC-dependent.
- Final access check
- Confirm during signupCountry guidance does not guarantee access; programme assignment and KYC still apply.
Residence eligibility perimeter67 countries · access still account-gated
Aland IslandsAlbaniaAndorraArmeniaAustraliaAustriaBelgiumBhutanBosnia and HerzegovinaBouvet IslandBulgariaCambodiaCanadaChileCroatiaCyprusCzechiaDenmarkEstoniaFaroe IslandsFinlandFranceGeorgiaGermanyGibraltarGreeceGuernseyHeard Island and McDonald IslandsHungaryIcelandIndiaIndonesiaIrelandIsraelItalyJapanJerseyKosovoLatviaLiechtensteinLithuaniaLuxembourgMaltaMoldovaMontenegroNetherlandsNew ZealandNorth MacedoniaNorwayPhilippinesPolandPortugalRomaniaSan MarinoSingaporeSlovakiaSloveniaSouth KoreaSpainSwedenSwitzerlandThailandTurkeyUkraineUnited Arab EmiratesUnited KingdomUnited States
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productZEN.COM
Provides the product and account experience. Named legal operators appear separately.
Custody controlZEN.COM + programme partners
Controls settlement until payment.
Custodial accountCard issuerUAB ZEN.COM
E-money account and card issuance
Jurisdiction: Lithuania · Applies to: Reviewed ZEN individual card programmeDeposits & withdrawalsTriple A Technologies Pte Ltd
Supports deposit, withdrawal or conversion rails.
Applies to: Outbound crypto route onlyDeposits & withdrawalsCoreline Solutions LLC
Supports deposit, withdrawal or conversion rails.
Applies to: Outbound crypto route onlyCard services / infrastructureEpisode Six
Provides card services and infrastructure for the applicable programme; this does not by itself establish the issuer.
Applies to: New programme scope; not asserted for every legacy card07 · Methodology
Why the score is 77
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
77/100
GoodHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift99
Everyday usability
Mastercard/Visa spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.
Additional support93
Company & infrastructure
Named programme infrastructure includes UAB ZEN.COM (issuer), Visa (network), Mastercard (network) and Triple A Technologies Pte Ltd (on/off-ramp).
Main constraint25
Rewards value
No purchase cashback is included in the confirmed product terms.
08 · Evidence
Sources
43 sources43 officialChecked Aug 23, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
09 · Card comparison
How ZEN Card compares to others
A side-by-side look at cards built around stablecoin funding, everyday card access and money movement.
1 / 3
Current card
ZEN Card
Physical and virtual cards work with Apple Pay and Google Pay.
- Card
- Card type not confirmed Mastercard + Visa, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 0% base
- FX fee
- Weekday margin: Free 0.5%, Gold 0.2%, Platinum/Pro 0%; weekend adds 0.4%.
- Apps
- iOS, Android, Web app
- Stablecoin set
- USDT + USDC
- Transfers & payouts
- Crypto, Bank + Internal transfers
- Card
- Wallet-linked Mastercard, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 0%–2%
- FX fee
- Not confirmed
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDc, EURc, USDC +1
- Transfers & payouts
- Bank + Internal transfers
Similar match
Crypto stays user-controlled until it is converted into the EUR card balance.
- Card
- Debit Mastercard, Virtual + Physical
- Funds control
- Hybrid custody
- Cashback
- 0.5%–1%
- FX fee
- Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- Apps
- iOS, Android, Web app
- Stablecoin set
- USDC + USDT
- Transfers & payouts
- Crypto + Bank transfers
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
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