ZEN.COMZEN
77
Side-by-side card comparison
ZEN vs Kolo: 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, and Transfers, while Kolo Card comes out ahead for Cashback and Lowest fees.
Information checked Aug 28, 202671 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. Kolo Card may be the better fit for Cashback and Lowest fees. 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.
OverallZEN77Kolo73Higher score
CashbackZEN39Kolo54Higher score
TravelZEN96Kolo70Higher score
Funds controlZEN65Kolo56Higher score
Lowest feesZEN80Kolo83Higher score
TransfersZEN98Kolo92Higher score
Choose ZEN Card if travel and funds control matter most
ZEN Card comes out ahead for Travel, Funds control, 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 Kolo Card if cashback and lowest fees matter most
Kolo Card comes out ahead for Cashback and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Free virtual Visa Platinum
- 2% BTC cashback for 30 days
- Several withdrawal routes
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
- ZEN77Kolo73
ZEN Card has the higher Overall Score by 4 points.
- Entry cost & FX
- ZEN$0 plan · 0–0.5% FXKolo$0 plan · 1% FX
ZEN Card has the lower published FX fee (0–0.5% vs 1%).
- Purchase rewards
- ZEN0% baseKolo1% base · up to 2%
Kolo Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- ZENCustodial balanceKoloCustodial balance
ZEN Card and Kolo Card use the same custodial balance setup.
- Everyday access
- ZENVirtual + Physical · Apple Pay, Google PayKoloVirtual · Apple Pay, Google Pay
ZEN Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- ZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfersKolo5 stablecoins · Stablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
Kolo Card lists more stablecoins and ways to send money out (10 vs 5).
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%-2%
- Plan cost
- $0
- FX fee
- 1%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 20 crypto · 0 fiat
- Payout methods
- 20 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 CardOverall77Kolo CardOverall73
ZEN CardOverall77Kolo CardOverall73Scores
6 fields- Overall Score
- ZEN Card77Kolo Card73
- Cashback score
- ZEN Card39Kolo Card54
- Travel score
- ZEN Card96Kolo Card70
- Funds control score
- ZEN Card65Kolo Card56
- Lowest fees score
- ZEN Card80Kolo Card83
- Transfers score
- ZEN Card98Kolo Card92
Strengths & trade-offs
2 fields- Strengths
- ZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet accessKolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 days
- Trade-offs
- ZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rateKolo CardConversion and FX fees can stack, Card spending uses a custodial wallet
Costs
7 fields- Plan cost
- ZEN Card$0Kolo Card$0
- FX fee
- ZEN Card0–0.5%Kolo Card1%
- Top-up fee
- ZEN Card0–3%Kolo Card0%
- Card spending fee
- ZEN Card0%Kolo CardNot disclosed
- ATM fee
- ZEN Card0–1.5%Kolo Card$1 + 0.65%
- Virtual card
- ZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5Kolo CardFree
- Physical card
- ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10Kolo CardPlanned for Q3 2026; not currently available
Plans
2 fields- Available plans
- ZEN Card4 plans: Free, Gold, Platinum, ProKolo CardNot disclosed
- Top cashback plan
- ZEN CardFree: 0%Kolo CardNot disclosed
Everyday use
8 fields- Network
- ZEN CardMastercard/VisaKolo CardVisa
- Card formats
- ZEN CardVirtual, PhysicalKolo CardVirtual
- ATM withdrawals
- ZEN CardAvailableKolo CardAvailable
- Mobile wallets
- ZEN CardApple Pay, Google PayKolo CardApple Pay, Google Pay
- Apps
- ZEN CardiOS, Android, WebKolo CardiOS, Android
- Daily spending limit
- ZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)Kolo Card$9,000/day
- Monthly spending limit
- ZEN CardNot publicly confirmedKolo Card$9,000/month
- ATM limit
- ZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)Kolo Card$500/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- ZEN CardNot disclosedKolo CardNot disclosed
- Crypto deposits
- ZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETHKolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10
- Fiat deposits
- ZEN CardSEPA bank transfer, Payment-card top-upKolo CardNot disclosed
- Transfers
- ZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfersKolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
- Payout currencies
- ZEN CardEURKolo CardEUR
Rewards
3 fields- Base cashback
- ZEN Card0%Kolo Card1%
- Max cashback
- ZEN CardNot disclosedKolo Card2%
- Reward currency
- ZEN CardTransaction currencyKolo CardBTC cashback
Earn
5 fields- Advertised APY
- ZEN CardNot offeredKolo CardNot offered
- How it works
- ZEN CardNot offeredKolo CardNot offered
- Separate deposit
- ZEN CardNot offeredKolo CardNot offered
- Use balance for spending
- ZEN CardNot offeredKolo CardNot offered
- Lock-up
- ZEN CardNot offeredKolo CardNot offered
Trust & availability
6 fields- Custody
- ZEN CardCustodialKolo CardCustodial
- Control until payment
- ZEN CardProvider controls fundsKolo CardProvider controls funds
- Card issuer
- ZEN CardUAB ZEN.COMKolo CardBanco Popular de Puerto Rico, Wirex Limited
- Deposits & withdrawals
- ZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLCKolo CardNot disclosed
- Identity verification
- ZEN CardNot disclosedKolo CardSumSub
- Programme operator
- ZEN CardNot disclosedKolo CardHardline Holding Limited
Sources
2 fields- Official sources
- ZEN Card43Kolo Card28
- Last reviewed
- ZEN CardAug 23, 2026Kolo CardAug 28, 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 Kolo Card. ZEN Card has the lower published FX fee (0–0.5% vs 1%). Kolo Card has the higher published base cashback rate (1% vs 0%).
Kolo Card still comes out ahead for Cashback and Lowest fees, which may matter more than the overall result if that is how you plan to use the card. ZEN Card and Kolo Card use the same custodial balance setup.
Kolo Card lists more stablecoins and ways to send money out (10 vs 5). 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 Kolo Card reviews first.
Continue with
ZEN Card
Continue with
Kolo Card
05 · Common questions
ZEN vs Kolo FAQ
Is ZEN or Kolo 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 Kolo?
ZEN Card has the lower published FX fee (0–0.5% vs 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 Kolo?
Kolo 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 Kolo differ on custody?
ZEN Card and Kolo Card use the same custodial balance setup.
How current is this ZEN vs Kolo comparison?
The latest information check for these two cards was August 28, 2026, using 71 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.