Rebind SASRebind
69
Side-by-side card comparison
Rebind vs ZEN: where the score gap comes from
ZEN Card has the higher Overall Score by 8 points (77 vs 69). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Information checked Sep 5, 202678 official sources reviewed
01 · Where the gap opens
ZEN Card is the better all-round starting point
ZEN Card has the higher Overall Score in this comparison. Rebind Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallRebind69ZEN77Higher score
CashbackRebind32ZEN39Compare the details below
TravelRebind53ZEN96Compare the details below
Funds controlRebind88ZEN65Compare the details below
Lowest feesRebind67ZEN81Compare the details below
TransfersRebind41ZEN98Compare the details below
Choose Rebind Card if its day-to-day setup suits you
Rebind Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- No added FX markup
- Free virtual Visa
- A separate self-custodial balance
Choose ZEN Card if its day-to-day setup suits you
ZEN Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- Free plan with 0.5% weekday FX margin
- Physical, virtual and phone-wallet access
- Four current crypto-route assets
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Rebind69ZEN77
ZEN Card has the higher Overall Score by 8 points.
- Entry cost & FX
- RebindNot verified plan · No added Gnosis FX fee; Visa rate applies FXZEN$0 plan · 0–0.5% FX
Rebind Card has the lower published FX fee (No added Gnosis FX fee; Visa rate applies vs 0–0.5%).
- Purchase rewards
- RebindNot disclosedZEN0% base
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- RebindNon-custodial accountZENCustodial balance
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.
- Everyday access
- RebindVirtual · Apple Pay, Google PayZENVirtual + Physical · Apple Pay, Google Pay
ZEN Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Rebind1 stablecoin · Not modeledZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfers
ZEN Card lists more stablecoins and ways to send money out (5 vs 1).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- Cashback
- Not disclosed
- Plan cost
- Not disclosed
- FX fee
- No added Gnosis FX fee; Visa rate applies
- ATM fee
- Not disclosed
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 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
03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsRebind CardOverall69ZEN CardOverall77
Rebind CardOverall69ZEN CardOverall77Scores
6 fields- Overall Score
- Rebind Card69ZEN Card77
- Cashback score
- Rebind Card32ZEN Card39
- Travel score
- Rebind Card53ZEN Card96
- Funds control score
- Rebind Card88ZEN Card65
- Lowest fees score
- Rebind Card67ZEN Card81
- Transfers score
- Rebind Card41ZEN Card98
Strengths & trade-offs
2 fields- Strengths
- Rebind CardNo added FX markup, Free virtual VisaZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet access
- Trade-offs
- Rebind CardCashback eligibility needs confirmation, EU access restrictionsZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rate
Costs
7 fields- Plan cost
- Rebind CardNot disclosedZEN Card$0
- FX fee
- Rebind CardNo added Gnosis FX fee; Visa rate appliesZEN Card0–0.5%
- Top-up fee
- Rebind Card0%ZEN Card0–3%
- Card spending fee
- Rebind Card0%ZEN Card0%
- ATM fee
- Rebind CardNot disclosedZEN Card0–1.5%
- Virtual card
- Rebind CardFreeZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5
- Physical card
- Rebind CardNot offered through native Rebind issuance yetZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10
Plans
2 fields- Available plans
- Rebind CardNot disclosedZEN Card4 plans: Free, Gold, Platinum, Pro
- Top cashback plan
- Rebind CardNot disclosedZEN CardFree: 0%
Everyday use
8 fields- 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
5 fields- 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
3 fields- Base cashback
- Rebind CardNot disclosedZEN Card0%
- Max cashback
- Rebind CardNot disclosedZEN CardNot disclosed
- Reward currency
- Rebind CardNot disclosedZEN CardTransaction currency
Earn
5 fields- 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
5 fields- 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
2 fields- Official sources
- Rebind Card35ZEN Card43
- Last reviewed
- Rebind CardSep 5, 2026ZEN CardSep 5, 2026
04 · The verdict
ZEN Card is the stronger all-round choice
ZEN Card finishes ahead with an Overall Score of 77 versus 69 for Rebind Card. Rebind Card has the lower published FX fee (No added Gnosis FX fee; Visa rate applies vs 0–0.5%). The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
Rebind Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. 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.
ZEN Card lists more stablecoins and ways to send money out (5 vs 1). 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 Rebind Card and ZEN Card reviews first.
Continue with
Rebind Card
Continue with
ZEN Card
05 · Common questions
Rebind vs ZEN FAQ
Is Rebind or ZEN better overall?
ZEN Card has the higher Overall Score (77 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 0–0.5%). 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 September 5, 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.