Rebind SASRebind
69
Side-by-side card comparison
Rebind vs ZEN
ZEN Card has the higher Overall Score by 9 points (78 vs 69). Rebind Card looks stronger for Funds control, while ZEN Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Latest check Oct 20, 202678 official sources reviewed
Rebind Card
Best fit
- EU users who want EURe spending through a separate card Safe.
- Foreign purchases at Visa rates without an added Gnosis FX markup.
- Paying with Apple Pay or Google Pay without a virtual-card issuance fee.
Before you choose
- Move EURe to the card wallet before spending; savings are separate.
- Cashback enrollment and rates are unconfirmed; do not count on rewards.
- Native issuance is virtual-only; ATM access for new cards is unconfirmed.
ZEN Card
Best fit
- Combining multi-currency card spending, SEPA transfers and crypto cash-outs.
- Shopping with participating online merchants for offer-specific cashback.
- ATM use within Better's €200 or Best's €800 monthly allowance.
Before you choose
- Good charges 1% for crypto top-ups; card spending uses the converted fiat balance.
- Legacy plans change after notice; exchange allowances depend on the new plan.
- Reward Zone starts with Better; protection benefits depend on plan and residence.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsRebind CardOverall69ZEN CardOverall78
Rebind CardOverall69ZEN CardOverall78Scores
- Overall Score
- Rebind Card69ZEN Card78
- Cashback score
- Rebind Card32ZEN Card40
- Travel score
- Rebind Card53ZEN Card98
- Funds control score
- Rebind Card88ZEN Card66
- Lowest fees score
- Rebind Card67ZEN Card83
- Transfers score
- Rebind Card41ZEN Card98
Costs
- Plan cost
- Rebind CardNot disclosedZEN Card$0
- FX fee
- Rebind CardNo added Gnosis FX fee; Visa rate appliesZEN Card0.1–0.5%
- Top-up fee
- Rebind Card0%ZEN CardGood crypto top-up: 1%. Card-funded top-ups and other new-plan routes: check the current tariff. Legacy card-funded rates apply only until migration
- Card spending fee
- Rebind Card0%ZEN Card0%
- ATM fee
- Rebind CardNot disclosedZEN Card0–1.75%
- Virtual card
- Rebind CardFreeZEN CardGood includes a virtual card; Best includes up to 6. Other allowances follow the new plan tariff.
- Physical card
- Rebind CardNot offered through native Rebind issuance yetZEN CardBetter and Best include 1 physical card. Good pricing and delivery totals need the current quote; ZEN Metal is coming soon.
Plans
- Available plans
- Rebind CardNot disclosedZEN Card4 plans: Good, Better, Best, ZEN
- Top cashback plan
- Rebind CardNot disclosedZEN CardGood: 0%
Everyday use
- Network
- Rebind CardVisaZEN CardMastercard/Visa
- Card formats
- Rebind CardVirtualZEN CardVirtual, Physical
- ATM withdrawals
- Rebind CardNot disclosedZEN CardAvailable
- Mobile wallets
- Rebind CardApple Pay, Google PayZEN CardApple Pay, Google Pay
- Apps
- Rebind CardiOS, AndroidZEN CardiOS, Android, Web
- Daily spending limit
- Rebind Card8,000 EURe over rolling 24 hours; 5,000 EURe per purchaseZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)
- Monthly spending limit
- Rebind CardMonthly spending limit unclearZEN CardNot publicly confirmed
- ATM limit
- Rebind Card250 EURe per withdrawal and 500 EURe daily under the Gnosis programme; virtual access unclearZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)
Funding & transfers
- Networks
- Rebind CardGnosisZEN CardNot disclosed
- Crypto deposits
- Rebind CardStablecoins: EUReZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETH
- Fiat deposits
- Rebind CardNot disclosedZEN CardSEPA bank transfer, Payment-card top-up
- Transfers
- Rebind CardNot disclosedZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfers
- Payout currencies
- Rebind CardNot disclosedZEN CardEUR
Rewards
- Base cashback
- Rebind CardNot disclosedZEN Card0%
- Max cashback
- Rebind CardNot disclosedZEN CardNot disclosed
- Reward currency
- Rebind CardNot disclosedZEN CardTransaction currency
Earn
- Advertised APY
- Rebind CardUp to 8% APYZEN CardNot offered
- How it works
- Rebind CardOptional earn vaultZEN CardNot offered
- Separate deposit
- Rebind CardYesZEN CardNot offered
- Use balance for spending
- Rebind CardNoZEN CardNot offered
- Lock-up
- Rebind CardNoZEN CardNot offered
Trust & availability
- Custody
- Rebind CardNon-custodialZEN CardCustodial
- Control until payment
- Rebind CardYou keep controlZEN CardProvider controls funds
- Card issuer
- Rebind CardUAB MonavateZEN CardUAB ZEN.COM
- Card processing
- Rebind CardGnosis PayZEN CardNot disclosed
- Deposits & withdrawals
- Rebind CardMoneriumZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLC
Sources
- Official sources
- Rebind Card35ZEN Card43
- Last reviewed
- Rebind CardSep 5, 2026ZEN CardOct 20, 2026
Choosing between these cards
When to choose Rebind or ZEN
Keeping control of your funds
Rebind suits spending while retaining control of your funds until payment. With ZEN, control passes to the provider before the purchase.
Spending in foreign currencies
For FX on foreign-currency purchases, Rebind lists No added Gnosis FX fee; Visa rate applies, versus 0.1–0.5% at ZEN. Use the tariff for your country and plan; conversion fees can add to these figures.
Paying with a physical card
ZEN offers a physical card, while Rebind does not. For purchases that require the card itself rather than a phone wallet, consider ZEN and check its order and delivery terms.
Common questions
Rebind vs ZEN FAQ
Is Rebind or ZEN better overall?
ZEN Card has the higher Overall Score (78 vs 69). 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, Rebind or ZEN?
Rebind Card has the lower published FX fee (No added Gnosis FX fee; Visa rate applies vs 0.1–0.5%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Rebind 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 Rebind and ZEN differ on custody?
Rebind Card uses a non-custodial account 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 Rebind vs ZEN comparison?
The latest information check for these two cards was October 20, 2026, using 78 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.