OobitOobit
72
Side-by-side card comparison
Oobit vs ZEN: overall score versus use-case fit
ZEN Card has the higher Overall Score by 5 points (77 vs 72). Oobit Card looks stronger for Cashback and Funds control, while ZEN Card comes out ahead for Travel, Lowest fees, and Transfers.
Information checked Aug 23, 202659 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. Oobit 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.
OverallOobit72ZEN77Higher score
CashbackOobit68ZEN39Higher score
TravelOobit45ZEN96Higher score
Funds controlOobit77ZEN65Higher score
Lowest feesOobit51ZEN80Higher score
TransfersOobit64ZEN98Higher score
Choose Oobit Card if cashback and funds control matter most
Oobit 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.
- Connected-wallet spending
- Phone wallets and contactless ATM
- Stablecoin cashback and points
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
- Oobit72ZEN77
ZEN Card has the higher Overall Score by 5 points.
- Entry cost & FX
- Oobit$0 plan · 3% FXZEN$0 plan · 0–0.5% FX
ZEN Card has the lower published FX fee (0–0.5% vs 3%).
- Purchase rewards
- Oobit5% base · up to 10%ZEN0% base
Oobit Card has the higher published base cashback rate (5% vs 0%).
- Funds control
- OobitHybrid custodyZENCustodial balance
Oobit 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
- OobitVirtual · Apple Pay, Google PayZENVirtual + Physical · Apple Pay, Google Pay
ZEN Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Oobit4 stablecoins · Oobit Pay Friends; Crypto-to-bank payoutZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfers
Oobit 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
- 5%-10%
- Plan cost
- $0
- FX fee
- 3%
- ATM fee
- 2.5% Oobit fee plus any contactless ATM operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 12 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
CardsOobit CardOverall72ZEN CardOverall77
Oobit CardOverall72ZEN CardOverall77Scores
6 fields- Overall Score
- Oobit Card72ZEN Card77
- Cashback score
- Oobit Card68ZEN Card39
- Travel score
- Oobit Card45ZEN Card96
- Funds control score
- Oobit Card77ZEN Card65
- Lowest fees score
- Oobit Card51ZEN Card80
- Transfers score
- Oobit Card64ZEN Card98
Strengths & trade-offs
2 fields- Strengths
- Oobit CardConnected-wallet spending, Phone wallets and contactless ATMZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet access
- Trade-offs
- Oobit CardEvery payment carries a provider fee, Physical card is unclearZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rate
Costs
7 fields- Plan cost
- Oobit Card$0ZEN Card$0
- FX fee
- Oobit Card3%ZEN Card0–0.5%
- Top-up fee
- Oobit CardConnected-wallet spending needs no prefunding; account-balance top-up pricing varies by routeZEN Card0–3%
- Card spending fee
- Oobit Card$0.25 + 1%ZEN Card0%
- ATM fee
- Oobit Card2.5% Oobit fee plus any contactless ATM operator surchargeZEN Card0–1.5%
- Virtual card
- Oobit CardFreeZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5
- Physical card
- Oobit CardNot disclosedZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10
Plans
2 fields- Available plans
- Oobit CardNot disclosedZEN Card4 plans: Free, Gold, Platinum, Pro
- Top cashback plan
- Oobit CardNot disclosedZEN CardFree: 0%
Everyday use
8 fields- Network
- Oobit CardVisaZEN CardMastercard/Visa
- Card formats
- Oobit CardVirtualZEN CardVirtual, Physical
- ATM withdrawals
- Oobit CardAvailableZEN CardAvailable
- Mobile wallets
- Oobit CardApple Pay, Google PayZEN CardApple Pay, Google Pay
- Apps
- Oobit CardiOS, AndroidZEN CardiOS, Android, Web
- Daily spending limit
- Oobit Card$10,000 daily card-spend limit; account-specific controls may be lowerZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)
- Monthly spending limit
- Oobit CardNo universal monthly card-spend limit publishedZEN CardNot publicly confirmed
- ATM limit
- Oobit Card$250 maximum per contactless ATM withdrawal; up to three attempts per rolling 24 hoursZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)
Funding & transfers
5 fields- Networks
- Oobit CardEthereum, BNB Smart Chain, Solana, Polygon, Optimism, ArbitrumZEN CardNot disclosed
- Crypto deposits
- Oobit CardNot disclosedZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETH
- Fiat deposits
- Oobit CardNot disclosedZEN CardSEPA bank transfer, Payment-card top-up
- Transfers
- Oobit CardOobit Pay Friends; Crypto-to-bank payoutZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfers
- Payout currencies
- Oobit CardUSD, EUR, GBP, INR, TRY, NGN, IDR, PHP +4ZEN CardEUR
Rewards
3 fields- Base cashback
- Oobit Card5%ZEN Card0%
- Max cashback
- Oobit Card10%ZEN CardNot disclosed
- Reward currency
- Oobit CardStablecoin rewards or OOB tokenZEN CardTransaction currency
Earn
5 fields- Advertised APY
- Oobit CardNot offeredZEN CardNot offered
- How it works
- Oobit CardNot offeredZEN CardNot offered
- Separate deposit
- Oobit CardNot offeredZEN CardNot offered
- Use balance for spending
- Oobit CardNot offeredZEN CardNot offered
- Lock-up
- Oobit CardNot offeredZEN CardNot offered
Trust & availability
4 fields- Custody
- Oobit CardHybrid custodyZEN CardCustodial
- Control until payment
- Oobit CardYou keep controlZEN CardProvider controls funds
- Card issuer
- Oobit CardThirdNationalZEN CardUAB ZEN.COM
- Deposits & withdrawals
- Oobit CardNot disclosedZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLC
Sources
2 fields- Official sources
- Oobit Card16ZEN Card43
- Last reviewed
- Oobit 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 72 for Oobit Card. ZEN Card has the lower published FX fee (0–0.5% vs 3%). Oobit Card has the higher published base cashback rate (5% vs 0%).
Oobit 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. Oobit 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.
Oobit 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 Oobit Card and ZEN Card reviews first.
Continue with
Oobit Card
Continue with
ZEN Card
05 · Common questions
Oobit vs ZEN FAQ
Is Oobit or ZEN better overall?
ZEN Card has the higher Overall Score (77 vs 72). 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, Oobit or ZEN?
ZEN Card has the lower published FX fee (0–0.5% vs 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, Oobit or ZEN?
Oobit Card has the higher published base cashback rate (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 Oobit and ZEN differ on custody?
Oobit 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 Oobit vs ZEN comparison?
The latest information check for these two cards was August 23, 2026, using 59 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.