NexoNexo
65
Side-by-side card comparison
Nexo vs ZEN: overall score versus use-case fit
ZEN Card has the higher Overall Score by 12 points (77 vs 65). Nexo Card looks stronger for Cashback, while ZEN Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Information checked Aug 23, 202656 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. Nexo Card may be the better fit for Cashback. 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.
OverallNexo65ZEN77Higher score
CashbackNexo41ZEN39Higher score
TravelNexo65ZEN96Higher score
Funds controlNexo52ZEN65Higher score
Lowest feesNexo57ZEN80Higher score
TransfersNexo91ZEN98Higher score
Choose Nexo Card if cashback matters most
Nexo Card comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Choose debit spend or credit-line use
- No base monthly or annual card fee
- Virtual card works with phone wallets
Choose ZEN Card if travel and funds control matter most
ZEN Card comes out ahead for 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
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
- Nexo65ZEN77
ZEN Card has the higher Overall Score by 12 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% FXZEN$0 plan · 0–0.5% FX
ZEN Card has the lower published FX fee (0–0.5% vs 0.2–2.5%).
- Purchase rewards
- Nexo0.5% base · up to 2%ZEN0% base
Nexo Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- NexoCustodial balanceZENCustodial balance
Nexo Card and ZEN Card use the same custodial balance setup.
- Everyday access
- NexoVirtual + 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
- Nexo2 stablecoins · Stablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfers
Both cards list the same number of stablecoins and ways to send money out.
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%-2%
- Plan cost
- $0
- FX fee
- 0.2–2.5%
- ATM fee
- 0–2%; minimum 1.99 EUR/GBP
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 10 crypto · 1 fiat
- Payout methods
- 4 crypto · 3 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
CardsNexo CardOverall65ZEN CardOverall77
Nexo CardOverall65ZEN CardOverall77Scores
6 fields- Overall Score
- Nexo Card65ZEN Card77
- Cashback score
- Nexo Card41ZEN Card39
- Travel score
- Nexo Card65ZEN Card96
- Funds control score
- Nexo Card52ZEN Card65
- Lowest fees score
- Nexo Card57ZEN Card80
- Transfers score
- Nexo Card91ZEN Card98
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feeZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet access
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rate
Costs
7 fields- Plan cost
- Nexo Card$0ZEN Card$0
- FX fee
- Nexo Card0.2–2.5%ZEN Card0–0.5%
- Top-up fee
- Nexo CardNot disclosedZEN Card0–3%
- Card spending fee
- Nexo CardNot disclosedZEN Card0%
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPZEN Card0–1.5%
- Virtual card
- Nexo CardAvailable from $50 account balanceZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumZEN Card4 plans: Free, Gold, Platinum, Pro
- Top cashback plan
- Nexo CardPlatinum: 2%ZEN CardFree: 0%
Everyday use
8 fields- Network
- Nexo CardMastercardZEN CardMastercard/Visa
- Card formats
- Nexo CardVirtual, PhysicalZEN CardVirtual, Physical
- ATM withdrawals
- Nexo CardAvailableZEN CardAvailable
- Mobile wallets
- Nexo CardApple Pay, Google PayZEN CardApple Pay, Google Pay
- Apps
- Nexo CardiOS, Android, WebZEN CardiOS, Android, Web
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthZEN CardNot publicly confirmed
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedZEN CardNot disclosed
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3ZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETH
- Fiat deposits
- Nexo CardNexo account bank depositZEN CardSEPA bank transfer, Payment-card top-up
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfers
- Payout currencies
- Nexo CardEUR, GBP, USDZEN CardEUR
Rewards
3 fields- Base cashback
- Nexo Card0.5%ZEN Card0%
- Max cashback
- Nexo Card2%ZEN CardNot disclosed
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackZEN CardTransaction currency
Earn
5 fields- Advertised APY
- Nexo CardUp to 13% APYZEN CardNot offered
- How it works
- Nexo CardEarn on spending balanceZEN CardNot offered
- Separate deposit
- Nexo CardNot disclosedZEN CardNot offered
- Use balance for spending
- Nexo CardYesZEN CardNot offered
- Lock-up
- Nexo CardNoZEN CardNot offered
Trust & availability
5 fields- Custody
- Nexo CardCustodialZEN CardCustodial
- Control until payment
- Nexo CardProvider controls fundsZEN CardProvider controls funds
- Card issuer
- Nexo CardDiPocket UABZEN CardUAB ZEN.COM
- Deposits & withdrawals
- Nexo CardNot disclosedZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLC
- Programme operator
- Nexo CardNexo Services Sp. z o.o.ZEN CardNot disclosed
Sources
2 fields- Official sources
- Nexo Card13ZEN Card43
- Last reviewed
- Nexo CardAug 5, 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 65 for Nexo Card. ZEN Card has the lower published FX fee (0–0.5% vs 0.2–2.5%). Nexo Card has the higher published base cashback rate (0.5% vs 0%).
Nexo Card still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. Nexo Card and ZEN Card use the same custodial balance setup.
Both cards list the same number of stablecoins and ways to send money out. 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 Nexo Card and ZEN Card reviews first.
Continue with
Nexo Card
Continue with
ZEN Card
05 · Common questions
Nexo vs ZEN FAQ
Is Nexo or ZEN better overall?
ZEN Card has the higher Overall Score (77 vs 65). 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, Nexo or ZEN?
ZEN Card has the lower published FX fee (0–0.5% vs 0.2–2.5%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Nexo or ZEN?
Nexo 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 Nexo and ZEN differ on custody?
Nexo Card and ZEN Card use the same custodial balance setup.
How current is this Nexo vs ZEN comparison?
The latest information check for these two cards was August 23, 2026, using 56 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.