ZEN.COMZEN
77
Side-by-side card comparison
ZEN vs Bitpanda: overall score versus use-case fit
ZEN Card has the higher Overall Score by 4 points (77 vs 73). ZEN Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Bitpanda Card comes out ahead for Cashback.
Information checked Oct 7, 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. Bitpanda Card may be the better fit for Cashback. 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.
OverallZEN77Bitpanda73Higher score
CashbackZEN39Bitpanda60Higher score
TravelZEN96Bitpanda79Higher score
Funds controlZEN65Bitpanda56Higher score
Lowest feesZEN81Bitpanda67Higher score
TransfersZEN98Bitpanda85Higher score
Choose ZEN Card if travel and funds control matter most
ZEN Card comes out ahead for 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 Bitpanda Card if cashback matters most
Bitpanda Card comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- No monthly fee
- Apple Pay and Google Pay
- Crypto and metals payments
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
- ZEN77Bitpanda73
ZEN Card has the higher Overall Score by 4 points.
- Entry cost & FX
- ZEN$0 plan · 0–0.5% FXBitpanda$0 plan · 0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable FX
Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable vs 0–0.5%).
- Purchase rewards
- ZEN0% baseBitpanda1% cashback
Bitpanda Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- ZENCustodial balanceBitpandaCustodial balance
ZEN Card and Bitpanda Card use the same custodial balance setup.
- Everyday access
- ZENVirtual + Physical · Apple Pay, Google PayBitpandaVirtual + 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 transfersBitpanda2 stablecoins · Stablecoin transfers; EUR SEPA withdrawal
ZEN Card lists more stablecoins and ways to send money out (5 vs 4).
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
- 1%
- Plan cost
- $0
- FX fee
- 0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- ATM fee
- 2%; min €2
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 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
CardsZEN CardOverall77Bitpanda CardOverall73
ZEN CardOverall77Bitpanda CardOverall73Scores
6 fields- Overall Score
- ZEN Card77Bitpanda Card73
- Cashback score
- ZEN Card39Bitpanda Card60
- Travel score
- ZEN Card96Bitpanda Card79
- Funds control score
- ZEN Card65Bitpanda Card56
- Lowest fees score
- ZEN Card81Bitpanda Card67
- Transfers score
- ZEN Card98Bitpanda Card85
Strengths & trade-offs
2 fields- Strengths
- ZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet accessBitpanda CardNo monthly fee, Apple Pay and Google Pay
- Trade-offs
- ZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rateBitpanda CardAsset sale fees on payments, Limited cashback eligibility
Costs
7 fields- Plan cost
- ZEN Card$0Bitpanda Card$0
- FX fee
- ZEN Card0–0.5%Bitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- Top-up fee
- ZEN Card0–3%Bitpanda CardEUR SEPA deposits and withdrawals: no Bitpanda fee. PayPal deposit: 1.49%. Bank charges and other methods may differ. These fund the provider account
- Card spending fee
- ZEN Card0%Bitpanda CardNot disclosed
- ATM fee
- ZEN Card0–1.5%Bitpanda Card2%; min €2
- Virtual card
- ZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5Bitpanda CardNot disclosed
- Physical card
- ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10Bitpanda CardFirst card free. One active physical card per user.
Plans
2 fields- Available plans
- ZEN Card4 plans: Free, Gold, Platinum, ProBitpanda Card1 plans: Standard
- Top cashback plan
- ZEN CardFree: 0%Bitpanda CardStandard: 1%
Everyday use
8 fields- Network
- ZEN CardMastercard/VisaBitpanda CardVisa
- Card formats
- ZEN CardVirtual, PhysicalBitpanda CardVirtual, Physical
- ATM withdrawals
- ZEN CardAvailableBitpanda CardAvailable
- Mobile wallets
- ZEN CardApple Pay, Google PayBitpanda CardApple Pay, Google Pay
- Apps
- ZEN CardiOS, Android, WebBitpanda CardiOS, Android, Web
- Daily spending limit
- ZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)Bitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.
- Monthly spending limit
- ZEN CardNot publicly confirmedBitpanda Card€280,000 per month
- ATM limit
- ZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)Bitpanda Card€500 per day
Funding & transfers
5 fields- Networks
- ZEN CardNot disclosedBitpanda CardNot disclosed
- Crypto deposits
- ZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETHBitpanda CardStablecoins: USDC
- Fiat deposits
- ZEN CardSEPA bank transfer, Payment-card top-upBitpanda CardEUR SEPA deposit
- Transfers
- ZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfersBitpanda CardStablecoin transfers; EUR SEPA withdrawal
- Payout currencies
- ZEN CardEURBitpanda CardEUR
Rewards
3 fields- Base cashback
- ZEN Card0%Bitpanda Card1%
- Max cashback
- ZEN CardNot disclosedBitpanda Card1%
- Reward currency
- ZEN CardTransaction currencyBitpanda CardSame eligible cryptocurrency used for payment
Earn
5 fields- Advertised APY
- ZEN CardNot offeredBitpanda CardNot disclosed
- How it works
- ZEN CardNot offeredBitpanda CardEarn on spending balance
- Separate deposit
- ZEN CardNot offeredBitpanda CardNo
- Use balance for spending
- ZEN CardNot offeredBitpanda CardYes
- Lock-up
- ZEN CardNot offeredBitpanda CardNo
Trust & availability
5 fields- Custody
- ZEN CardCustodialBitpanda CardCustodial
- Control until payment
- ZEN CardProvider controls fundsBitpanda CardProvider controls funds
- Card issuer
- ZEN CardUAB ZEN.COMBitpanda CardTransact Payments Malta Limited
- Card processing
- ZEN CardNot disclosedBitpanda CardMarqeta
- Deposits & withdrawals
- ZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLCBitpanda CardNot disclosed
Sources
2 fields- Official sources
- ZEN Card43Bitpanda Card16
- Last reviewed
- ZEN CardOct 7, 2026Bitpanda CardOct 6, 2026
04 · The trade-off
ZEN Card is the stronger all-round choice
ZEN Card finishes ahead with an Overall Score of 77 versus 73 for Bitpanda Card. Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable vs 0–0.5%). Bitpanda Card has the higher published base cashback rate (1% vs 0%).
Bitpanda Card still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. ZEN Card and Bitpanda Card use the same custodial balance setup.
ZEN Card lists more stablecoins and ways to send money out (5 vs 4). 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 Bitpanda Card reviews first.
Continue with
ZEN Card
Continue with
Bitpanda Card
05 · Common questions
ZEN vs Bitpanda FAQ
Is ZEN or Bitpanda better overall?
ZEN Card has the higher Overall Score (77 vs 73). 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 Bitpanda?
Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable 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, ZEN or Bitpanda?
Bitpanda Card has the higher published base cashback rate (1% 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 Bitpanda differ on custody?
ZEN Card and Bitpanda Card use the same custodial balance setup.
How current is this ZEN vs Bitpanda comparison?
The latest information check for these two cards was October 7, 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.