KartaKarta Personal
61
Side-by-side card comparison
Karta Personal vs ZEN: overall score versus use-case fit
ZEN Card has the higher Overall Score by 16 points (77 vs 61). Karta Personal Card looks stronger for Funds control, while ZEN Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Aug 23, 202668 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. Karta Personal Card may be the better fit for 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.
OverallKarta Personal61ZEN77Higher score
CashbackKarta Personal14ZEN39Higher score
TravelKarta Personal46ZEN96Higher score
Funds controlKarta Personal92ZEN65Higher score
Lowest feesKarta Personal53ZEN80Higher score
TransfersKarta Personal90ZEN98Higher score
Choose Karta Personal Card if funds control matters most
Karta Personal Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- USDT and USDC deposits across multiple networks
- Apple Pay, Google Pay and contactless ATM access
- Live multi-network crypto payouts
Choose ZEN Card if cashback and travel matter most
ZEN Card comes out ahead for Cashback, 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
- Karta Personal61ZEN77
ZEN Card has the higher Overall Score by 16 points.
- Entry cost & FX
- Karta Personal$0 plan · 1–3% FXZEN$0 plan · 0–0.5% FX
ZEN Card has the lower published FX fee (0–0.5% vs 1–3%).
- Purchase rewards
- Karta Personal0% cashbackZEN0% base
Both cards show the same base cashback rate of 0%.
- Funds control
- Karta PersonalSelf-controlled walletZENCustodial balance
Karta Personal Card uses a self-controlled wallet 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
- Karta PersonalVirtual · Apple Pay, Google PayZENVirtual + Physical · Apple Pay, Google Pay
ZEN Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Karta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payoutZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfers
Karta Personal Card lists more stablecoins and ways to send money out (6 vs 5).
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%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- USD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 5 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
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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
CardsKarta Personal CardOverall61ZEN CardOverall77
Karta Personal CardOverall61ZEN CardOverall77Scores
6 fields- Overall Score
- Karta Personal Card61ZEN Card77
- Cashback score
- Karta Personal Card14ZEN Card39
- Travel score
- Karta Personal Card46ZEN Card96
- Funds control score
- Karta Personal Card92ZEN Card65
- Lowest fees score
- Karta Personal Card53ZEN Card80
- Transfers score
- Karta Personal Card90ZEN Card98
Strengths & trade-offs
2 fields- Strengths
- Karta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM accessZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet access
- Trade-offs
- Karta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surfaceZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rate
Costs
7 fields- Plan cost
- Karta Personal Card$0ZEN Card$0
- FX fee
- Karta Personal Card1–3%ZEN Card0–0.5%
- Top-up fee
- Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20ZEN Card0–3%
- Card spending fee
- Karta Personal Card1.5%ZEN Card0%
- ATM fee
- Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attemptZEN Card0–1.5%
- Virtual card
- Karta Personal Card5 USDT one-timeZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5
- Physical card
- Karta Personal Card99 USDT plastic / 299 USDT Metal LED preorderZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10
Plans
2 fields- Available plans
- Karta Personal CardNot disclosedZEN Card4 plans: Free, Gold, Platinum, Pro
- Top cashback plan
- Karta Personal CardNot disclosedZEN CardFree: 0%
Everyday use
8 fields- Network
- Karta Personal CardVisaZEN CardMastercard/Visa
- Card formats
- Karta Personal CardVirtualZEN CardVirtual, Physical
- ATM withdrawals
- Karta Personal CardAvailableZEN CardAvailable
- Mobile wallets
- Karta Personal CardApple Pay, Google PayZEN CardApple Pay, Google Pay
- Apps
- Karta Personal CardNo app listedZEN CardiOS, Android, Web
- Daily spending limit
- Karta Personal Card$25,000 per transaction; no universal daily amount publishedZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)
- Monthly spending limit
- Karta Personal CardNot publicly disclosed; limits are dynamicZEN CardNot publicly confirmed
- ATM limit
- Karta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24hZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)
Funding & transfers
5 fields- Networks
- Karta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17ZEN CardNot disclosed
- Crypto deposits
- Karta Personal CardStablecoins: USDT, USDCZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETH
- Fiat deposits
- Karta Personal CardBank depositsZEN CardSEPA bank transfer, Payment-card top-up
- Transfers
- Karta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payoutZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfers
- Payout currencies
- Karta Personal CardNot disclosedZEN CardEUR
Rewards
3 fields- Base cashback
- Karta Personal Card0%ZEN Card0%
- Max cashback
- Karta Personal Card0%ZEN CardNot disclosed
- Reward currency
- Karta Personal CardNo cashbackZEN CardTransaction currency
Earn
5 fields- Advertised APY
- Karta Personal CardNot offeredZEN CardNot offered
- How it works
- Karta Personal CardNot offeredZEN CardNot offered
- Separate deposit
- Karta Personal CardNot offeredZEN CardNot offered
- Use balance for spending
- Karta Personal CardNot offeredZEN CardNot offered
- Lock-up
- Karta Personal CardNot offeredZEN CardNot offered
Trust & availability
7 fields- Custody
- Karta Personal CardSelf-custodyZEN CardCustodial
- Control until payment
- Karta Personal CardYou keep controlZEN CardProvider controls funds
- Card issuer
- Karta Personal CardNimbus LLC d/b/a Third NationalZEN CardUAB ZEN.COM
- Custody / key management
- Karta Personal CardPrivyZEN CardNot disclosed
- Deposits & withdrawals
- Karta Personal CardNot disclosedZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLC
- Identity verification
- Karta Personal CardSumsubZEN CardNot disclosed
- Programme operator
- Karta Personal CardKarta Finance, Inc.ZEN CardNot disclosed
Sources
2 fields- Official sources
- Karta Personal Card25ZEN Card43
- Last reviewed
- Karta Personal CardAug 11, 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 61 for Karta Personal Card. ZEN Card has the lower published FX fee (0–0.5% vs 1–3%). Both cards show the same base cashback rate of 0%.
Karta Personal Card still comes out ahead for Funds control, which may matter more than the overall result if that is how you plan to use the card. Karta Personal Card uses a self-controlled wallet setup, while ZEN Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Karta Personal Card lists more stablecoins and ways to send money out (6 vs 5). 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 Karta Personal Card and ZEN Card reviews first.
Continue with
Karta Personal Card
Continue with
ZEN Card
05 · Common questions
Karta Personal vs ZEN FAQ
Is Karta Personal or ZEN better overall?
ZEN Card has the higher Overall Score (77 vs 61). 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, Karta Personal or ZEN?
ZEN Card has the lower published FX fee (0–0.5% vs 1–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Karta Personal or ZEN?
Both cards show the same base cashback rate of 0%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Karta Personal and ZEN differ on custody?
Karta Personal Card uses a self-controlled wallet 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 Karta Personal vs ZEN comparison?
The latest information check for these two cards was August 23, 2026, using 68 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.