WirexWirex One
77
Side-by-side card comparison
Wirex One vs ZEN: same score, different trade-offs
Wirex One Card and ZEN Card share an Overall Score of 77. Wirex One Card looks stronger for Cashback and Funds control, while ZEN Card comes out ahead for Travel, Lowest fees, and Transfers.
Information checked Aug 23, 202679 official sources reviewed
01 · A level score
The scores are tied, but the cards are not the same
Wirex One Card and ZEN Card have the same Overall Score. Start with what matters most to you: day-to-day costs, rewards, control of your funds or moving money. The sections below show how they differ. You should also check that your preferred card is available in your country.
OverallWirex One77ZEN77Same score
CashbackWirex One70ZEN39Higher score
TravelWirex One85ZEN96Higher score
Funds controlWirex One73ZEN65Higher score
Lowest feesWirex One68ZEN80Higher score
TransfersWirex One94ZEN98Higher score
Choose Wirex One Card if cashback and funds control matter most
Wirex One 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.
- Five current card tiers
- 0.5% to 8% cashback in USD
- Self-custodial digital assets
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 the cards part company
A tied score can hide meaningful differences in cost, custody, rewards and everyday access.
- Overall Score
- Wirex One77ZEN77
Both cards have the same displayed Overall Score of 77.
- Entry cost & FX
- Wirex One$0 plan · 0% FXZEN$0 plan · 0–0.5% FX
Wirex One Card has the lower published FX fee (0% vs 0–0.5%).
- Purchase rewards
- Wirex One0.5% base · up to 8%ZEN0% base
Wirex One Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- Wirex OneNon-custodial accountZENCustodial balance
Wirex One 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
- Wirex OneVirtual + 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
- Wirex One3 stablecoins · Stablecoin transfers; Pay to an external card, Bank account payoutsZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfers
Wirex One Card lists more stablecoins and ways to send money out (6 vs 5).
02 · Read the shortlist
A closer look at the tie
The score is level. These quick facts show where the cards still ask you to make a choice.
- Cashback
- 0.5%-8%
- Plan cost
- $0
- FX fee
- 0%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 2 fiat
- Payout methods
- 3 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
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Put the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsWirex One CardOverall77ZEN CardOverall77
Wirex One CardOverall77ZEN CardOverall77Scores
6 fields- Overall Score
- Wirex One Card77ZEN Card77
- Cashback score
- Wirex One Card70ZEN Card39
- Travel score
- Wirex One Card85ZEN Card96
- Funds control score
- Wirex One Card73ZEN Card65
- Lowest fees score
- Wirex One Card68ZEN Card80
- Transfers score
- Wirex One Card94ZEN Card98
Strengths & trade-offs
2 fields- Strengths
- Wirex One CardFive current card tiers, 0.5% to 8% cashback in USDZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet access
- Trade-offs
- Wirex One CardHigher tiers require WPAY exposure, Limits remain region-specificZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rate
Costs
7 fields- Plan cost
- Wirex One Card$0ZEN Card$0
- FX fee
- Wirex One Card0%ZEN Card0–0.5%
- Top-up fee
- Wirex One CardNot disclosedZEN Card0–3%
- Card spending fee
- Wirex One CardNot disclosedZEN Card0%
- ATM fee
- Wirex One Card2%ZEN Card0–1.5%
- Virtual card
- Wirex One CardIncluded on every membership tierZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5
- Physical card
- Wirex One CardPlastic from Premium; Visa Signature Metal from PrivateZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10
Plans
2 fields- Available plans
- Wirex One Card5 plans: Base, Premium, Elite, Private +1ZEN Card4 plans: Free, Gold, Platinum, Pro
- Top cashback plan
- Wirex One CardBespoke: 8%ZEN CardFree: 0%
Everyday use
8 fields- Network
- Wirex One CardVisaZEN CardMastercard/Visa
- Card formats
- Wirex One CardVirtual, PhysicalZEN CardVirtual, Physical
- ATM withdrawals
- Wirex One CardAvailableZEN CardAvailable
- Mobile wallets
- Wirex One CardApple Pay, Google PayZEN CardApple Pay, Google Pay
- Apps
- Wirex One CardiOS, AndroidZEN CardiOS, Android, Web
- Daily spending limit
- Wirex One CardEEA card-spend limit: €30,000/day and €30,000 per transaction; other regions are shown in appZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)
- Monthly spending limit
- Wirex One CardEEA card-spend limit: €30,000/month; other regions are shown in appZEN CardNot publicly confirmed
- ATM limit
- Wirex One CardEEA physical/Metal ATM limit: €500/day, €5,000/month and 5 withdrawals/day; 2% above the free allowanceZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)
Funding & transfers
5 fields- Networks
- Wirex One CardNot disclosedZEN CardNot disclosed
- Crypto deposits
- Wirex One CardStablecoins: USDC, USDT, EURCZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETH
- Fiat deposits
- Wirex One CardBank funding, External card top-upZEN CardSEPA bank transfer, Payment-card top-up
- Transfers
- Wirex One CardStablecoin transfers; Pay to an external card, Bank account payoutsZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfers
- Payout currencies
- Wirex One CardUSD, EUR, GBPZEN CardEUR
Rewards
3 fields- Base cashback
- Wirex One Card0.5%ZEN Card0%
- Max cashback
- Wirex One Card8%ZEN CardNot disclosed
- Reward currency
- Wirex One CardUSD cashbackZEN CardTransaction currency
Earn
5 fields- Advertised APY
- Wirex One CardNot offeredZEN CardNot offered
- How it works
- Wirex One CardNot offeredZEN CardNot offered
- Separate deposit
- Wirex One CardNot offeredZEN CardNot offered
- Use balance for spending
- Wirex One CardNot offeredZEN CardNot offered
- Lock-up
- Wirex One CardNot offeredZEN CardNot offered
Trust & availability
6 fields- Custody
- Wirex One CardNon-custodialZEN CardCustodial
- Control until payment
- Wirex One CardNot disclosedZEN CardProvider controls funds
- Card issuer
- Wirex One CardTransact Payments Malta Limited, Novatti Group LimitedZEN CardUAB ZEN.COM
- Custody / key management
- Wirex One CardPrivy Technologies, Inc.ZEN CardNot disclosed
- Deposits & withdrawals
- Wirex One CardNot disclosedZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLC
- Programme operator
- Wirex One CardUAB WirexZEN CardNot disclosed
Sources
2 fields- Official sources
- Wirex One Card36ZEN Card43
- Last reviewed
- Wirex One CardAug 12, 2026ZEN CardAug 23, 2026
04 · The closer call
Wirex One Card and ZEN Card need a closer personal call
The Overall Score ends level at 77, so there is no honest all-round winner here. Wirex One Card has the lower published FX fee (0% vs 0–0.5%). Wirex One Card has the higher published base cashback rate (0.5% vs 0%).
Wirex One Card looks stronger for Cashback and Funds control, while ZEN Card comes out ahead for Travel, Lowest fees, and Transfers. Wirex One 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.
Wirex One Card lists more stablecoins and ways to send money out (6 vs 5). Your final check should be whether the card is available where you live and whether the latest provider terms match the features you expect to use.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Wirex One Card and ZEN Card reviews first.
Continue with
Wirex One Card
Continue with
ZEN Card
05 · Common questions
Wirex One vs ZEN FAQ
Is Wirex One or ZEN better overall?
Wirex One Card and ZEN Card tie at 77 in the Overall Score. Compare their costs, rewards, way of holding funds and everyday features to decide which suits you.
Which has lower fees, Wirex One or ZEN?
Wirex One Card has the lower published FX fee (0% 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, Wirex One or ZEN?
Wirex One 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 Wirex One and ZEN differ on custody?
Wirex One 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 Wirex One vs ZEN comparison?
The latest information check for these two cards was August 23, 2026, using 79 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.