HolyheldHolyheld
75
Side-by-side card comparison
Holyheld vs ZEN: overall score versus use-case fit
ZEN Card has the higher Overall Score by 2 points (77 vs 75). Holyheld Card looks stronger for Cashback and Funds control, while ZEN Card comes out ahead for Travel, Lowest fees, and Transfers.
Information checked Aug 23, 202671 official sources reviewed
01 · Overall score versus use-case fit
ZEN Card is the better all-round starting point
ZEN Card has the higher Overall Score in this comparison. Holyheld Card may be the better fit for Cashback and Funds control. 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.
OverallHolyheld75ZEN77Higher score
CashbackHolyheld64ZEN39Higher score
TravelHolyheld68ZEN96Higher score
Funds controlHolyheld74ZEN65Higher score
Lowest feesHolyheld67ZEN80Higher score
TransfersHolyheld81ZEN98Higher score
Choose Holyheld Card if cashback and funds control matter most
Holyheld Card comes out ahead for Cashback and Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody crypto before card top-up
- Virtual, physical and metal Mastercard
- Personal IBAN and SEPA transfers
Choose ZEN Card if travel and lowest fees matter most
ZEN Card comes out ahead for Travel, 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
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Holyheld75ZEN77
ZEN Card has the higher Overall Score by 2 points.
- Entry cost & FX
- Holyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FXZEN$0 plan · 0–0.5% FX
ZEN Card has the lower published FX fee (0–0.5% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- Holyheld0.5% base · up to 1%ZEN0% base
Holyheld Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- HolyheldHybrid custodyZENCustodial balance
Holyheld Card uses a hybrid custody setup, while ZEN Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- HolyheldVirtual + Physical · Apple Pay, Google PayZENVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Holyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transferZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfers
ZEN Card lists more stablecoins and ways to send money out (5 vs 4).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0.5%-1%
- Plan cost
- $0
- FX fee
- Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- ATM fee
- Up to EUR 2 + 2.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 3 crypto · 1 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
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsHolyheld CardOverall75ZEN CardOverall77
Holyheld CardOverall75ZEN CardOverall77Scores
6 fields- Overall Score
- Holyheld Card75ZEN Card77
- Cashback score
- Holyheld Card64ZEN Card39
- Travel score
- Holyheld Card68ZEN Card96
- Funds control score
- Holyheld Card74ZEN Card65
- Lowest fees score
- Holyheld Card67ZEN Card80
- Transfers score
- Holyheld Card81ZEN Card98
Strengths & trade-offs
2 fields- Strengths
- Holyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal MastercardZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet access
- Trade-offs
- Holyheld CardCountry eligibility is incomplete, Foreign spend can be expensiveZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rate
Costs
7 fields- Plan cost
- Holyheld Card$0ZEN Card$0
- FX fee
- Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currencyZEN Card0–0.5%
- Top-up fee
- Holyheld Card0%ZEN Card0–3%
- Card spending fee
- Holyheld Card€0.50ZEN Card0%
- ATM fee
- Holyheld CardUp to EUR 2 + 2.5%ZEN Card0–1.5%
- Virtual card
- Holyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual accessZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5
- Physical card
- Holyheld CardClassic: EUR 29; Metal: EUR 199ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10
Plans
2 fields- Available plans
- Holyheld Card3 plans: Classic, Limited Edition, MetalZEN Card4 plans: Free, Gold, Platinum, Pro
- Top cashback plan
- Holyheld CardMetal: 1%ZEN CardFree: 0%
Everyday use
8 fields- Network
- Holyheld CardMastercardZEN CardMastercard/Visa
- Card formats
- Holyheld CardVirtual, PhysicalZEN CardVirtual, Physical
- ATM withdrawals
- Holyheld CardAvailableZEN CardAvailable
- Mobile wallets
- Holyheld CardApple Pay, Google PayZEN CardApple Pay, Google Pay
- Apps
- Holyheld CardiOS, Android, WebZEN CardiOS, Android, Web
- Daily spending limit
- Holyheld CardEUR 10,000 dailyZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)
- Monthly spending limit
- Holyheld CardEUR 25,000 monthly; EUR 250,000 annuallyZEN CardNot publicly confirmed
- ATM limit
- Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 daysZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)
Funding & transfers
5 fields- Networks
- Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2ZEN CardNot disclosed
- Crypto deposits
- Holyheld CardStablecoins: USDC, USDTZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETH
- Fiat deposits
- Holyheld CardPersonal EUR IBANZEN CardSEPA bank transfer, Payment-card top-up
- Transfers
- Holyheld CardStablecoin transfers; Outgoing SEPA transferZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfers
- Payout currencies
- Holyheld CardEURZEN CardEUR
Rewards
3 fields- Base cashback
- Holyheld Card0.5%ZEN Card0%
- Max cashback
- Holyheld Card1%ZEN CardNot disclosed
- Reward currency
- Holyheld CardUSDCZEN CardTransaction currency
Earn
5 fields- Advertised APY
- Holyheld CardNot disclosedZEN CardNot offered
- How it works
- Holyheld CardOptional earn vaultZEN CardNot offered
- Separate deposit
- Holyheld CardYesZEN CardNot offered
- Use balance for spending
- Holyheld CardNot disclosedZEN CardNot offered
- Lock-up
- Holyheld CardNoZEN CardNot offered
Trust & availability
6 fields- Custody
- Holyheld CardHybrid custodyZEN CardCustodial
- Control until payment
- Holyheld CardProvider controls fundsZEN CardProvider controls funds
- Card issuer
- Holyheld CardUnlimit EU LtdZEN CardUAB ZEN.COM
- Deposits & withdrawals
- Holyheld CardNot disclosedZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLC
- Identity verification
- Holyheld CardSumsub / IdenfyZEN CardNot disclosed
- Programme operator
- Holyheld CardHolyheld Labs AGZEN CardNot disclosed
Sources
2 fields- Official sources
- Holyheld Card28ZEN Card43
- Last reviewed
- Holyheld CardAug 12, 2026ZEN CardAug 23, 2026
04 · The trade-off
ZEN Card is the stronger all-round choice
ZEN Card finishes ahead with an Overall Score of 77 versus 75 for Holyheld Card. ZEN Card has the lower published FX fee (0–0.5% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Holyheld Card has the higher published base cashback rate (0.5% vs 0%).
Holyheld Card still comes out ahead for Cashback and Funds control, which may matter more than the overall result if that is how you plan to use the card. Holyheld Card uses a hybrid custody setup, while ZEN Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
ZEN Card lists more stablecoins and ways to send money out (5 vs 4). 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 Holyheld Card and ZEN Card reviews first.
Continue with
Holyheld Card
Continue with
ZEN Card
05 · Common questions
Holyheld vs ZEN FAQ
Is Holyheld or ZEN better overall?
ZEN Card has the higher Overall Score (77 vs 75). 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, Holyheld or ZEN?
ZEN Card has the lower published FX fee (0–0.5% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Holyheld or ZEN?
Holyheld Card has the higher published base cashback rate (0.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Holyheld and ZEN differ on custody?
Holyheld Card uses a hybrid custody setup, while ZEN Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Holyheld vs ZEN comparison?
The latest information check for these two cards was August 23, 2026, using 71 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.