TuyoTuyo
74
Side-by-side card comparison
Tuyo vs ZEN: overall score versus use-case fit
ZEN Card has the higher Overall Score by 3 points (77 vs 74). Tuyo Card looks stronger for Funds control, while ZEN Card comes out ahead for Travel, Lowest fees, and Transfers.
Information checked Aug 23, 202655 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. Tuyo 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.
OverallTuyo74ZEN77Higher score
CashbackTuyo39ZEN39Same score
TravelTuyo42ZEN96Higher score
Funds controlTuyo100ZEN65Higher score
Lowest feesTuyo71ZEN80Higher score
TransfersTuyo72ZEN98Higher score
Choose Tuyo Card if funds control matters most
Tuyo 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.
- Self-custody wallet control
- Virtual Visa with both phone wallets
- Multichain USDC funding and spendable Earn
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
- Tuyo74ZEN77
ZEN Card has the higher Overall Score by 3 points.
- Entry cost & FX
- Tuyo$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
- Tuyo0% base · up to 100%ZEN0% base
Both cards show the same base cashback rate of 0%.
- Funds control
- TuyoSelf-controlled walletZENCustodial balance
Tuyo 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
- TuyoVirtual · Apple Pay, Google PayZENVirtual + Physical · Apple Pay, Google Pay
ZEN Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tuyo1 stablecoin · Stablecoin transfersZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfers
ZEN Card lists more stablecoins and ways to send money out (5 vs 2).
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%-100%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 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
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
CardsTuyo CardOverall74ZEN CardOverall77
Tuyo CardOverall74ZEN CardOverall77Scores
6 fields- Overall Score
- Tuyo Card74ZEN Card77
- Cashback score
- Tuyo Card39ZEN Card39
- Travel score
- Tuyo Card42ZEN Card96
- Funds control score
- Tuyo Card100ZEN Card65
- Lowest fees score
- Tuyo Card71ZEN Card80
- Transfers score
- Tuyo Card72ZEN Card98
Strengths & trade-offs
2 fields- Strengths
- Tuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet access
- Trade-offs
- Tuyo CardReward value is unpredictable, Virtual-only with no ATM accessZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rate
Costs
7 fields- Plan cost
- Tuyo Card$0ZEN Card$0
- FX fee
- Tuyo Card1–3%ZEN Card0–0.5%
- Top-up fee
- Tuyo CardNot disclosedZEN Card0–3%
- Card spending fee
- Tuyo Card0%ZEN Card0%
- ATM fee
- Tuyo CardNot availableZEN Card0–1.5%
- Virtual card
- Tuyo CardFreeZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5
- Physical card
- Tuyo CardComing soon; not currently availableZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10
Plans
2 fields- Available plans
- Tuyo CardNot disclosedZEN Card4 plans: Free, Gold, Platinum, Pro
- Top cashback plan
- Tuyo CardNot disclosedZEN CardFree: 0%
Everyday use
8 fields- Network
- Tuyo CardVisaZEN CardMastercard/Visa
- Card formats
- Tuyo CardVirtualZEN CardVirtual, Physical
- ATM withdrawals
- Tuyo CardNot availableZEN CardAvailable
- Mobile wallets
- Tuyo CardApple Pay, Google PayZEN CardApple Pay, Google Pay
- Apps
- Tuyo CardiOS, AndroidZEN CardiOS, Android, Web
- Daily spending limit
- Tuyo CardUp to $10,000 per day; limits can change with usage and account history.ZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)
- Monthly spending limit
- Tuyo CardNo fixed monthly card-spend limit is publicly disclosed.ZEN CardNot publicly confirmed
- ATM limit
- Tuyo CardATM withdrawals are not currently supported.ZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, Optimism, PolygonZEN CardNot disclosed
- Crypto deposits
- Tuyo CardStablecoins: USDCZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETH
- Fiat deposits
- Tuyo CardVirtual-account receivingZEN CardSEPA bank transfer, Payment-card top-up
- Transfers
- Tuyo CardStablecoin transfersZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfers
- Payout currencies
- Tuyo CardNot disclosedZEN CardEUR
Rewards
3 fields- Base cashback
- Tuyo Card0%ZEN Card0%
- Max cashback
- Tuyo Card100%ZEN CardNot disclosed
- Reward currency
- Tuyo CardUSDZEN CardTransaction currency
Earn
5 fields- Advertised APY
- Tuyo CardUp to 11% APYZEN CardNot offered
- How it works
- Tuyo CardEarn on spending balance, Optional earn vaultZEN CardNot offered
- Separate deposit
- Tuyo CardYesZEN CardNot offered
- Use balance for spending
- Tuyo CardYesZEN CardNot offered
- Lock-up
- Tuyo CardNot disclosedZEN CardNot offered
Trust & availability
6 fields- Custody
- Tuyo CardSelf-custodyZEN CardCustodial
- Control until payment
- Tuyo CardYou keep controlZEN CardProvider controls funds
- Card issuer
- Tuyo CardThird NationalZEN CardUAB ZEN.COM
- Card processing
- Tuyo CardSignify Holdings, Inc. (Rain)ZEN CardNot disclosed
- Deposits & withdrawals
- Tuyo CardBridge Ventures, Inc. (Bridge)ZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLC
- Bank transfers
- Tuyo CardBANEX Microfinance Bank LimitedZEN CardNot disclosed
Sources
2 fields- Official sources
- Tuyo Card12ZEN Card43
- Last reviewed
- Tuyo 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 74 for Tuyo 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%.
Tuyo 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. Tuyo 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.
ZEN Card lists more stablecoins and ways to send money out (5 vs 2). 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 Tuyo Card and ZEN Card reviews first.
Continue with
Tuyo Card
Continue with
ZEN Card
05 · Common questions
Tuyo vs ZEN FAQ
Is Tuyo or ZEN better overall?
ZEN Card has the higher Overall Score (77 vs 74). 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, Tuyo 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, Tuyo 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 Tuyo and ZEN differ on custody?
Tuyo 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 Tuyo vs ZEN comparison?
The latest information check for these two cards was August 23, 2026, using 55 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.