FassetFasset
53
Side-by-side card comparison
Fasset vs ZEN: fees, rewards and account setup
ZEN Card has the higher Overall Score by 24 points (77 vs 53). ZEN Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Fasset Card may still be the better personal fit.
Information checked Aug 23, 202652 official sources reviewed
01 · Make the first cut
ZEN Card is the better all-round starting point
ZEN Card has the higher Overall Score in this comparison. Fasset Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallFasset53ZEN77Higher score
CashbackFasset19ZEN39Higher score
TravelFasset30ZEN96Higher score
Funds controlFasset45ZEN65Higher score
Lowest feesFasset51ZEN80Higher score
TransfersFasset50ZEN98Higher score
Choose Fasset Card if its day-to-day setup suits you
Fasset Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Clear internal USDT funding flow
- Broad phone-wallet support
- Complete card-country list
Choose ZEN Card if cashback and travel matter most
ZEN Card comes out ahead for Cashback, Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Free plan with 0.5% weekday FX margin
- Physical, virtual and phone-wallet access
- Four current crypto-route assets
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Fasset53ZEN77
ZEN Card has the higher Overall Score by 24 points.
- Entry cost & FX
- FassetNot disclosed plan · 3% non-USD FX; up to 3% cross-border may also apply FXZEN$0 plan · 0–0.5% FX
ZEN Card has the lower published FX fee (0–0.5% vs 3% non-USD FX; up to 3% cross-border may also apply).
- Purchase rewards
- FassetNot disclosedZEN0% base
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- FassetCustodial balanceZENCustodial balance
Fasset Card and ZEN Card use the same custodial balance setup.
- Everyday access
- FassetVirtual · Apple Pay, Google PayZENVirtual + Physical · Apple Pay, Google Pay
ZEN Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Fasset1 stablecoin · Card balance back to Fasset WalletZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfers
ZEN Card lists more stablecoins and ways to send money out (5 vs 2).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- Not disclosed
- Plan cost
- Not disclosed
- FX fee
- 3% non-USD FX; up to 3% cross-border may also apply
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
77
- Cashback
- 0% base
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- 0–1.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 4 crypto · 1 fiat
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsFasset CardOverall53ZEN CardOverall77
Fasset CardOverall53ZEN CardOverall77Scores
6 fields- Overall Score
- Fasset Card53ZEN Card77
- Cashback score
- Fasset Card19ZEN Card39
- Travel score
- Fasset Card30ZEN Card96
- Funds control score
- Fasset Card45ZEN Card65
- Lowest fees score
- Fasset Card51ZEN Card80
- Transfers score
- Fasset Card50ZEN Card98
Strengths & trade-offs
2 fields- Strengths
- Fasset CardClear internal USDT funding flow, Broad phone-wallet supportZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet access
- Trade-offs
- Fasset CardForeign spend can be expensive, OWN reward economics are missingZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rate
Costs
7 fields- Plan cost
- Fasset CardNot disclosedZEN Card$0
- FX fee
- Fasset Card3% non-USD FX; up to 3% cross-border may also applyZEN Card0–0.5%
- Top-up fee
- Fasset Card0%ZEN Card0–3%
- Card spending fee
- Fasset Card0%ZEN Card0%
- ATM fee
- Fasset CardNot availableZEN Card0–1.5%
- Virtual card
- Fasset Card9.99 USDT activation / issuance feeZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5
- Physical card
- Fasset CardNot disclosedZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10
Plans
2 fields- Available plans
- Fasset CardBase virtual live; Edge waitlist; Select, Elite and Reserve coming soonZEN Card4 plans: Free, Gold, Platinum, Pro
- Top cashback plan
- Fasset CardNot disclosedZEN CardFree: 0%
Everyday use
8 fields- Network
- Fasset CardVisaZEN CardMastercard/Visa
- Card formats
- Fasset CardVirtualZEN CardVirtual, Physical
- ATM withdrawals
- Fasset CardNot availableZEN CardAvailable
- Mobile wallets
- Fasset CardApple Pay, Google PayZEN CardApple Pay, Google Pay
- Apps
- Fasset CardiOS, AndroidZEN CardiOS, Android, Web
- Daily spending limit
- Fasset Card$2,000 per dayZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)
- Monthly spending limit
- Fasset CardNot publicly disclosedZEN CardNot publicly confirmed
- ATM limit
- Fasset CardNot applicable; ATM cash advances unavailableZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)
Funding & transfers
5 fields- Networks
- Fasset CardNot disclosedZEN CardNot disclosed
- Crypto deposits
- Fasset CardStablecoins: USDTZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETH
- Fiat deposits
- Fasset CardNot disclosedZEN CardSEPA bank transfer, Payment-card top-up
- Transfers
- Fasset CardCard balance back to Fasset WalletZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfers
- Payout currencies
- Fasset CardNot disclosedZEN CardEUR
Rewards
3 fields- Base cashback
- Fasset CardNot disclosedZEN Card0%
- Max cashback
- Fasset CardNot disclosedZEN CardNot disclosed
- Reward currency
- Fasset CardOWN pointsZEN CardTransaction currency
Earn
5 fields- Advertised APY
- Fasset CardNot offeredZEN CardNot offered
- How it works
- Fasset CardNot offeredZEN CardNot offered
- Separate deposit
- Fasset CardNot offeredZEN CardNot offered
- Use balance for spending
- Fasset CardNot offeredZEN CardNot offered
- Lock-up
- Fasset CardNot offeredZEN CardNot offered
Trust & availability
4 fields- Custody
- Fasset CardCustodialZEN CardCustodial
- Control until payment
- Fasset CardProvider controls fundsZEN CardProvider controls funds
- Card issuer
- Fasset CardThird NationalZEN CardUAB ZEN.COM
- Deposits & withdrawals
- Fasset CardNot disclosedZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLC
Sources
2 fields- Official sources
- Fasset Card9ZEN Card43
- Last reviewed
- Fasset CardAug 11, 2026ZEN CardAug 23, 2026
04 · The takeaway
ZEN Card is the stronger all-round choice
ZEN Card finishes ahead with an Overall Score of 77 versus 53 for Fasset Card. ZEN Card has the lower published FX fee (0–0.5% vs 3% non-USD FX; up to 3% cross-border may also apply). The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
Fasset Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Fasset Card and ZEN Card use the same custodial balance setup.
ZEN Card lists more stablecoins and ways to send money out (5 vs 2). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Fasset Card and ZEN Card reviews first.
Continue with
Fasset Card
Continue with
ZEN Card
05 · Common questions
Fasset vs ZEN FAQ
Is Fasset or ZEN better overall?
ZEN Card has the higher Overall Score (77 vs 53). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Fasset or ZEN?
ZEN Card has the lower published FX fee (0–0.5% vs 3% non-USD FX; up to 3% cross-border may also apply). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Fasset or ZEN?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Fasset and ZEN differ on custody?
Fasset Card and ZEN Card use the same custodial balance setup.
How current is this Fasset vs ZEN comparison?
The latest information check for these two cards was August 23, 2026, using 52 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.