ZEN.COMZEN
77
Side-by-side card comparison
ZEN vs Bybit EU: overall score versus use-case fit
ZEN Card has the higher Overall Score by 9 points (77 vs 68). ZEN Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Bybit Card (EU) comes out ahead for Cashback.
Information checked Aug 23, 202653 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. Bybit Card (EU) 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.
OverallZEN77Bybit EU68Higher score
CashbackZEN39Bybit EU47Higher score
TravelZEN96Bybit EU87Higher score
Funds controlZEN65Bybit EU51Higher score
Lowest feesZEN80Bybit EU72Higher score
TransfersZEN98Bybit EU79Higher 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 Bybit Card (EU) if cashback matters most
Bybit Card (EU) 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.
- Funding Account connects deposits and card spend
- Lite and Standard card access
- Default applicants start at 1% cashback
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
- ZEN77Bybit EU68
ZEN Card has the higher Overall Score by 9 points.
- Entry cost & FX
- ZEN$0 plan · 0–0.5% FXBybit EU$0 plan · 0.5% FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- ZEN0% baseBybit EU1% base · up to 10%
Bybit Card (EU) has the higher published base cashback rate (1% vs 0%).
- Funds control
- ZENCustodial balanceBybit EUCustodial balance
ZEN Card and Bybit Card (EU) use the same custodial balance setup.
- Everyday access
- ZENVirtual + Physical · Apple Pay, Google PayBybit EUVirtual + 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 transfersBybit EU2 stablecoins · Stablecoin transfers; Bybit EU account fiat 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%-10%
- Plan cost
- $0
- FX fee
- 0.5%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 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 CardOverall77Bybit Card (EU)Overall68
ZEN CardOverall77Bybit Card (EU)Overall68Scores
6 fields- Overall Score
- ZEN Card77Bybit Card (EU)68
- Cashback score
- ZEN Card39Bybit Card (EU)47
- Travel score
- ZEN Card96Bybit Card (EU)87
- Funds control score
- ZEN Card65Bybit Card (EU)51
- Lowest fees score
- ZEN Card80Bybit Card (EU)72
- Transfers score
- ZEN Card98Bybit Card (EU)79
Strengths & trade-offs
2 fields- Strengths
- ZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet accessBybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card access
- Trade-offs
- ZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rateBybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account model
Costs
7 fields- Plan cost
- ZEN Card$0Bybit Card (EU)$0
- FX fee
- ZEN Card0–0.5%Bybit Card (EU)0.5%
- Top-up fee
- ZEN Card0–3%Bybit Card (EU)Not disclosed
- Card spending fee
- ZEN Card0%Bybit Card (EU)Not disclosed
- ATM fee
- ZEN Card0–1.5%Bybit Card (EU)2%
- Virtual card
- ZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5Bybit Card (EU)Free
- Physical card
- ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10Bybit Card (EU)First physical card free
Plans
2 fields- Available plans
- ZEN Card4 plans: Free, Gold, Platinum, ProBybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2
- Top cashback plan
- ZEN CardFree: 0%Bybit Card (EU)VIP 6 / PRO 3-5: 10%
Everyday use
8 fields- Network
- ZEN CardMastercard/VisaBybit Card (EU)Mastercard
- Card formats
- ZEN CardVirtual, PhysicalBybit Card (EU)Virtual, Physical
- ATM withdrawals
- ZEN CardAvailableBybit Card (EU)Available
- Mobile wallets
- ZEN CardApple Pay, Google PayBybit Card (EU)Apple Pay, Google Pay
- Apps
- ZEN CardiOS, Android, WebBybit Card (EU)iOS, Android, Web
- Daily spending limit
- ZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)Bybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetime
- Monthly spending limit
- ZEN CardNot publicly confirmedBybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetime
- ATM limit
- ZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)Bybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per day
Funding & transfers
5 fields- Networks
- ZEN CardNot disclosedBybit Card (EU)Not disclosed
- Crypto deposits
- ZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETHBybit Card (EU)Other crypto: Supported crypto
- Fiat deposits
- ZEN CardSEPA bank transfer, Payment-card top-upBybit Card (EU)Bybit EU Funding Account deposit
- Transfers
- ZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfersBybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawal
- Payout currencies
- ZEN CardEURBybit Card (EU)Not disclosed
Rewards
3 fields- Base cashback
- ZEN Card0%Bybit Card (EU)1%
- Max cashback
- ZEN CardNot disclosedBybit Card (EU)10%
- Reward currency
- ZEN CardTransaction currencyBybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)
Earn
5 fields- Advertised APY
- ZEN CardNot offeredBybit Card (EU)Up to 8% APY
- How it works
- ZEN CardNot offeredBybit Card (EU)Not disclosed
- Separate deposit
- ZEN CardNot offeredBybit Card (EU)Not disclosed
- Use balance for spending
- ZEN CardNot offeredBybit Card (EU)Not disclosed
- Lock-up
- ZEN CardNot offeredBybit Card (EU)Not disclosed
Trust & availability
4 fields- Custody
- ZEN CardCustodialBybit Card (EU)Custodial
- Control until payment
- ZEN CardProvider controls fundsBybit Card (EU)Provider controls funds
- Card issuer
- ZEN CardUAB ZEN.COMBybit Card (EU)Harmoniie SAS, Moorwand Ltd
- Deposits & withdrawals
- ZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLCBybit Card (EU)Not disclosed
Sources
2 fields- Official sources
- ZEN Card43Bybit Card (EU)10
- Last reviewed
- ZEN CardAug 23, 2026Bybit Card (EU)Aug 14, 2026
04 · The trade-off
ZEN Card is the stronger all-round choice
ZEN Card finishes ahead with an Overall Score of 77 versus 68 for Bybit Card (EU). The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Bybit Card (EU) has the higher published base cashback rate (1% vs 0%).
Bybit Card (EU) 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 Bybit Card (EU) 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 Bybit Card (EU) reviews first.
Continue with
ZEN Card
Continue with
Bybit Card (EU)
05 · Common questions
ZEN vs Bybit EU FAQ
Is ZEN or Bybit EU better overall?
ZEN Card has the higher Overall Score (77 vs 68). 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 Bybit EU?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 Bybit EU?
Bybit Card (EU) 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 Bybit EU differ on custody?
ZEN Card and Bybit Card (EU) use the same custodial balance setup.
How current is this ZEN vs Bybit EU comparison?
The latest information check for these two cards was August 23, 2026, using 53 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.