ZEN.COMZEN
77
Side-by-side card comparison
ZEN vs Binance: fees, rewards and account setup
ZEN Card has the higher Overall Score by 19 points (77 vs 58). ZEN Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Binance Card may still be the better personal fit.
Information checked Aug 23, 202655 official sources reviewed
01 · Make the first cut
ZEN Card is the better all-round starting point
ZEN Card has the higher Overall Score in this comparison. Binance 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.
OverallZEN77Binance58Higher score
CashbackZEN39Binance37Higher score
TravelZEN96Binance36Higher score
Funds controlZEN65Binance47Higher score
Lowest feesZEN80Binance56Higher score
TransfersZEN98Binance75Higher score
Choose ZEN Card if cashback and travel matter most
ZEN Card comes out ahead for Cashback, Travel, Funds control, 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 Binance Card if its day-to-day setup suits you
Binance 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. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Spend supported Binance crypto balances
- Google Pay support
- Cashback can rise by tier
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- ZEN77Binance58
ZEN Card has the higher Overall Score by 19 points.
- Entry cost & FX
- ZEN$0 plan · 0–0.5% FXBinance$0 plan · 2–3% FX
ZEN Card has the lower published FX fee (0–0.5% vs 2–3%).
- Purchase rewards
- ZEN0% baseBinance1.5% base · up to 3%
Binance Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- ZENCustodial balanceBinanceCustodial balance
ZEN Card and Binance Card use the same custodial balance setup.
- Everyday access
- ZENVirtual + Physical · Apple Pay, Google PayBinanceVirtual · Google Pay
ZEN Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- ZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfersBinance3 stablecoins · Stablecoin transfers; Binance account fiat withdrawal
Both cards list the same number of stablecoins and ways to send money out.
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
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
- 1.5%-3%
- Plan cost
- $0
- FX fee
- 2–3%
- ATM fee
- Not disclosed
- Card formats
- Virtual
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
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03 · Compare the details
Compare 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
CardsZEN CardOverall77Binance CardOverall58
ZEN CardOverall77Binance CardOverall58Scores
6 fields- Overall Score
- ZEN Card77Binance Card58
- Cashback score
- ZEN Card39Binance Card37
- Travel score
- ZEN Card96Binance Card36
- Funds control score
- ZEN Card65Binance Card47
- Lowest fees score
- ZEN Card80Binance Card56
- Transfers score
- ZEN Card98Binance Card75
Strengths & trade-offs
2 fields- Strengths
- ZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet accessBinance CardSpend supported Binance crypto balances, Google Pay support
- Trade-offs
- ZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rateBinance CardSpending follows the Binance account model, Virtual-only card
Costs
7 fields- Plan cost
- ZEN Card$0Binance Card$0
- FX fee
- ZEN Card0–0.5%Binance Card2–3%
- Top-up fee
- ZEN Card0–3%Binance CardNot disclosed
- Card spending fee
- ZEN Card0%Binance CardNot disclosed
- ATM fee
- ZEN Card0–1.5%Binance CardNot disclosed
- Virtual card
- ZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5Binance CardVirtual card up to 15 minutes after approval; 0 USD issuance fee
- Physical card
- ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10Binance CardGlobal Program virtual-only; Brazil physical card is a separate regional branch
Plans
2 fields- Available plans
- ZEN Card4 plans: Free, Gold, Platinum, ProBinance Card3 plans: Tier 1, Tier 2, Tier 3
- Top cashback plan
- ZEN CardFree: 0%Binance CardTier 3: 3%
Everyday use
8 fields- Network
- ZEN CardMastercard/VisaBinance CardMastercard
- Card formats
- ZEN CardVirtual, PhysicalBinance CardVirtual
- ATM withdrawals
- ZEN CardAvailableBinance CardNot disclosed
- Mobile wallets
- ZEN CardApple Pay, Google PayBinance CardGoogle Pay
- Apps
- ZEN CardiOS, Android, WebBinance CardiOS, Android
- Daily spending limit
- ZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)Binance CardShown in app
- Monthly spending limit
- ZEN CardNot publicly confirmedBinance CardShown in app
- ATM limit
- ZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)Binance CardNot disclosed
Funding & transfers
5 fields- Networks
- ZEN CardNot disclosedBinance CardNot disclosed
- Crypto deposits
- ZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETHBinance CardOther crypto: Supported crypto
- Fiat deposits
- ZEN CardSEPA bank transfer, Payment-card top-upBinance CardBinance account bank deposit
- Transfers
- ZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfersBinance CardStablecoin transfers; Binance account fiat withdrawal
- Payout currencies
- ZEN CardEURBinance CardNot disclosed
Rewards
3 fields- Base cashback
- ZEN Card0%Binance Card1.5%
- Max cashback
- ZEN CardNot disclosedBinance Card3%
- Reward currency
- ZEN CardTransaction currencyBinance CardUSDC or BTC equivalent cashback (country-dependent)
Earn
5 fields- Advertised APY
- ZEN CardNot offeredBinance CardNot offered
- How it works
- ZEN CardNot offeredBinance CardNot offered
- Separate deposit
- ZEN CardNot offeredBinance CardNot offered
- Use balance for spending
- ZEN CardNot offeredBinance CardNot offered
- Lock-up
- ZEN CardNot offeredBinance CardNot offered
Trust & availability
4 fields- Custody
- ZEN CardCustodialBinance CardCustodial
- Control until payment
- ZEN CardProvider controls fundsBinance CardProvider controls funds
- Card issuer
- ZEN CardUAB ZEN.COMBinance CardImmersve Limited
- Deposits & withdrawals
- ZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLCBinance CardNot disclosed
Sources
2 fields- Official sources
- ZEN Card43Binance Card12
- Last reviewed
- ZEN CardAug 23, 2026Binance CardAug 5, 2026
04 · The takeaway
ZEN Card is the stronger all-round choice
ZEN Card finishes ahead with an Overall Score of 77 versus 58 for Binance Card. ZEN Card has the lower published FX fee (0–0.5% vs 2–3%). Binance Card has the higher published base cashback rate (1.5% vs 0%).
Binance Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. ZEN Card and Binance Card use the same custodial balance setup.
Both cards list the same number of stablecoins and ways to send money out. 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 Binance Card reviews first.
Continue with
ZEN Card
Continue with
Binance Card
05 · Common questions
ZEN vs Binance FAQ
Is ZEN or Binance better overall?
ZEN Card has the higher Overall Score (77 vs 58). 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 Binance?
ZEN Card has the lower published FX fee (0–0.5% vs 2–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, ZEN or Binance?
Binance Card has the higher published base cashback rate (1.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do ZEN and Binance differ on custody?
ZEN Card and Binance Card use the same custodial balance setup.
How current is this ZEN vs Binance 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.