ZEN.COMZEN
77
Side-by-side card comparison
ZEN vs Avici: overall score versus use-case fit
ZEN Card has the higher Overall Score by 6 points (77 vs 71). ZEN Card looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Avici Card comes out ahead for Funds control.
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. Avici 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.
OverallZEN77Avici71Higher score
CashbackZEN39Avici21Higher score
TravelZEN96Avici82Higher score
Funds controlZEN65Avici95Higher score
Lowest feesZEN80Avici73Higher score
TransfersZEN98Avici67Higher score
Choose ZEN Card if cashback and travel matter most
ZEN Card comes out ahead for Cashback, 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
Choose Avici Card if funds control matters most
Avici 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.
- User-owned USDC collateral
- Physical, virtual and phone-wallet use
- Low provider fees
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
- ZEN77Avici71
ZEN Card has the higher Overall Score by 6 points.
- Entry cost & FX
- ZEN$0 plan · 0–0.5% FXAvici$0 plan · 0–1% FX
ZEN Card has the lower published FX fee (0–0.5% vs 0–1%).
- Purchase rewards
- ZEN0% baseAvici0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- ZENCustodial balanceAviciSelf-controlled wallet
ZEN Card uses a custodial balance setup, while Avici Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- ZENVirtual + Physical · Apple Pay, Google PayAviciVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- ZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfersAvici1 stablecoin · Stablecoin 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.
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
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0–0.65%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 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
CardsZEN CardOverall77Avici CardOverall71
ZEN CardOverall77Avici CardOverall71Scores
6 fields- Overall Score
- ZEN Card77Avici Card71
- Cashback score
- ZEN Card39Avici Card21
- Travel score
- ZEN Card96Avici Card82
- Funds control score
- ZEN Card65Avici Card95
- Lowest fees score
- ZEN Card80Avici Card73
- Transfers score
- ZEN Card98Avici Card67
Strengths & trade-offs
2 fields- Strengths
- ZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet accessAvici CardUser-owned USDC collateral, Physical, virtual and phone-wallet use
- Trade-offs
- ZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rateAvici CardNo standard purchase cashback, Visa and penalty layers need care
Costs
7 fields- Plan cost
- ZEN Card$0Avici Card$0
- FX fee
- ZEN Card0–0.5%Avici Card0–1%
- Top-up fee
- ZEN Card0–3%Avici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully published
- Card spending fee
- ZEN Card0%Avici Card0%
- ATM fee
- ZEN Card0–1.5%Avici Card0–0.65%
- Virtual card
- ZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5Avici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewal
- Physical card
- ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10Avici CardPlatinum $50; Signature $75 + $20/year from year two
Plans
2 fields- Available plans
- ZEN Card4 plans: Free, Gold, Platinum, ProAvici Card2 plans: Visa Platinum, Visa Signature
- Top cashback plan
- ZEN CardFree: 0%Avici CardVisa Platinum: 0%
Everyday use
8 fields- Network
- ZEN CardMastercard/VisaAvici CardVisa
- Card formats
- ZEN CardVirtual, PhysicalAvici CardVirtual, Physical
- ATM withdrawals
- ZEN CardAvailableAvici CardAvailable
- Mobile wallets
- ZEN CardApple Pay, Google PayAvici CardApple Pay, Google Pay
- Apps
- ZEN CardiOS, Android, WebAvici CardiOS, Android
- Daily spending limit
- ZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)Avici CardNo fixed public transaction cap; balance, issuer and user-set limits apply
- Monthly spending limit
- ZEN CardNot publicly confirmedAvici CardNo fixed public monthly cap; dynamic controls apply
- ATM limit
- ZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)Avici Card$250 per day, up to 3 ATM transactions
Funding & transfers
5 fields- Networks
- ZEN CardNot disclosedAvici CardEthereum, Polygon, Optimism, Arbitrum, Solana
- Crypto deposits
- ZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETHAvici CardStablecoins: USDC
- Fiat deposits
- ZEN CardSEPA bank transfer, Payment-card top-upAvici CardNot disclosed
- Transfers
- ZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfersAvici CardStablecoin transfers
- Payout currencies
- ZEN CardEURAvici CardNot disclosed
Rewards
3 fields- Base cashback
- ZEN Card0%Avici Card0%
- Max cashback
- ZEN CardNot disclosedAvici Card0%
- Reward currency
- ZEN CardTransaction currencyAvici CardNo cashback
Earn
5 fields- Advertised APY
- ZEN CardNot offeredAvici CardNot offered
- How it works
- ZEN CardNot offeredAvici CardNot offered
- Separate deposit
- ZEN CardNot offeredAvici CardNot offered
- Use balance for spending
- ZEN CardNot offeredAvici CardNot offered
- Lock-up
- ZEN CardNot offeredAvici CardNot offered
Trust & availability
6 fields- Custody
- ZEN CardCustodialAvici CardSelf-custody
- Control until payment
- ZEN CardProvider controls fundsAvici CardYou keep control
- Card issuer
- ZEN CardUAB ZEN.COMAvici CardThird National
- Card processing
- ZEN CardNot disclosedAvici CardRelay
- Deposits & withdrawals
- ZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLCAvici CardNot disclosed
- Identity verification
- ZEN CardNot disclosedAvici CardSumsub
Sources
2 fields- Official sources
- ZEN Card43Avici Card16
- Last reviewed
- ZEN CardAug 23, 2026Avici CardAug 21, 2026
04 · The trade-off
ZEN Card is the stronger all-round choice
ZEN Card finishes ahead with an Overall Score of 77 versus 71 for Avici Card. ZEN Card has the lower published FX fee (0–0.5% vs 0–1%). Both cards show the same base cashback rate of 0%.
Avici 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. ZEN Card uses a custodial balance setup, while Avici Card uses a self-controlled wallet 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 ZEN Card and Avici Card reviews first.
Continue with
ZEN Card
Continue with
Avici Card
05 · Common questions
ZEN vs Avici FAQ
Is ZEN or Avici better overall?
ZEN Card has the higher Overall Score (77 vs 71). 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, ZEN or Avici?
ZEN Card has the lower published FX fee (0–0.5% vs 0–1%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, ZEN or Avici?
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 ZEN and Avici differ on custody?
ZEN Card uses a custodial balance setup, while Avici Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this ZEN vs Avici 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.