ZEN.COMZEN
77
Side-by-side card comparison
ZEN vs 1inch: overall score versus use-case fit
1inch Card has the higher Overall Score by 2 points (79 vs 77). ZEN Card looks stronger for Travel, Lowest fees, and Transfers, while 1inch Card comes out ahead for Cashback and Funds control.
Information checked Aug 31, 202656 official sources reviewed
01 · Overall score versus use-case fit
1inch Card is the better all-round starting point
1inch Card has the higher Overall Score in this comparison. ZEN Card may be the better fit for Travel, Lowest fees, and Transfers. 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.
OverallZEN771inch79Higher score
CashbackZEN391inch63Higher score
TravelZEN961inch82Higher score
Funds controlZEN651inch80Higher score
Lowest feesZEN801inch74Higher score
TransfersZEN981inch93Higher score
Choose ZEN Card if travel and lowest fees matter most
ZEN Card comes out ahead for 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 1inch Card if cashback and funds control matter most
1inch Card comes out ahead for Cashback and Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Physical, virtual and ATM access
- Both major phone wallets
- Cashback in four crypto assets
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
- ZEN771inch79
1inch Card has the higher Overall Score by 2 points.
- Entry cost & FX
- ZEN$0 plan · 0–0.5% FX1inch$0 plan · 0% provider FX markup; Mastercard rate applies FX
1inch Card has the lower published FX fee (0% provider FX markup; Mastercard rate applies vs 0–0.5%).
- Purchase rewards
- ZEN0% base1inch1% base · up to 2%
1inch Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- ZENCustodial balance1inchHybrid custody
ZEN Card uses a custodial balance setup, while 1inch Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- ZENVirtual + Physical · Apple Pay, Google Pay1inchVirtual + 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 transfers1inch1 stablecoin · Stablecoin transfers; EUR or GBP bank withdrawal
ZEN Card lists more stablecoins and ways to send money out (5 vs 3).
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.
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- 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
- 0% provider FX markup; Mastercard rate applies
- ATM fee
- €2.50 UK; €3 + 1.5% outside UK
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 9 crypto · 2 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 CardOverall771inch CardOverall79
ZEN CardOverall771inch CardOverall79Scores
6 fields- Overall Score
- ZEN Card771inch Card79
- Cashback score
- ZEN Card391inch Card63
- Travel score
- ZEN Card961inch Card82
- Funds control score
- ZEN Card651inch Card80
- Lowest fees score
- ZEN Card801inch Card74
- Transfers score
- ZEN Card981inch Card93
Strengths & trade-offs
2 fields- Strengths
- ZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet access1inch CardPhysical, virtual and ATM access, Both major phone wallets
- Trade-offs
- ZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rate1inch CardPurchase fee stack is unclear, Card funds leave self-custody
Costs
7 fields- Plan cost
- ZEN Card$01inch Card$0
- FX fee
- ZEN Card0–0.5%1inch Card0% provider FX markup; Mastercard rate applies
- Top-up fee
- ZEN Card0–3%1inch CardEUR/GBP provider-account bank deposit: 0%
- Card spending fee
- ZEN Card0%1inch Card2%
- ATM fee
- ZEN Card0–1.5%1inch Card€2.50 UK; €3 + 1.5% outside UK
- Virtual card
- ZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €51inch CardNot disclosed
- Physical card
- ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €101inch CardNot disclosed
Plans
2 fields- Available plans
- ZEN Card4 plans: Free, Gold, Platinum, Pro1inch CardNot disclosed
- Top cashback plan
- ZEN CardFree: 0%1inch CardNot disclosed
Everyday use
8 fields- Network
- ZEN CardMastercard/Visa1inch CardMastercard
- Card formats
- ZEN CardVirtual, Physical1inch CardVirtual, Physical
- ATM withdrawals
- ZEN CardAvailable1inch CardAvailable
- Mobile wallets
- ZEN CardApple Pay, Google Pay1inch CardApple Pay, Google Pay
- Apps
- ZEN CardiOS, Android, Web1inch CardiOS, Android
- Daily spending limit
- ZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)1inch CardAccount-specific in Profile
- Monthly spending limit
- ZEN CardNot publicly confirmed1inch CardAccount-specific in Profile
- ATM limit
- ZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)1inch CardAccount-specific in Profile
Funding & transfers
5 fields- Networks
- ZEN CardNot disclosed1inch CardBitcoin, Litecoin, XRP Ledger, Ethereum, Solana
- Crypto deposits
- ZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETH1inch CardOther crypto: BTC, LTC, XRP or supported Ethereum/Solana assets
- Fiat deposits
- ZEN CardSEPA bank transfer, Payment-card top-up1inch CardEUR or GBP bank deposit
- Transfers
- ZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfers1inch CardStablecoin transfers; EUR or GBP bank withdrawal
- Payout currencies
- ZEN CardEUR1inch CardEUR, GBP
Rewards
3 fields- Base cashback
- ZEN Card0%1inch Card1%
- Max cashback
- ZEN CardNot disclosed1inch Card2%
- Reward currency
- ZEN CardTransaction currency1inch Card1INCH, USDT, BTC or BXX
Earn
5 fields- Advertised APY
- ZEN CardNot offered1inch CardNot offered
- How it works
- ZEN CardNot offered1inch CardNot offered
- Separate deposit
- ZEN CardNot offered1inch CardNot offered
- Use balance for spending
- ZEN CardNot offered1inch CardNot offered
- Lock-up
- ZEN CardNot offered1inch CardNot offered
Trust & availability
6 fields- Custody
- ZEN CardCustodial1inch CardHybrid custody
- Control until payment
- ZEN CardProvider controls funds1inch CardProvider controls funds
- Card issuer
- ZEN CardUAB ZEN.COM1inch CardMonavate Ltd, UAB Monavate
- Card processing
- ZEN CardNot disclosed1inch CardCrypto Life
- Custody / key management
- ZEN CardNot disclosed1inch CardBaanx
- Deposits & withdrawals
- ZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLC1inch CardNot disclosed
Sources
2 fields- Official sources
- ZEN Card431inch Card13
- Last reviewed
- ZEN CardAug 23, 20261inch CardAug 31, 2026
04 · The trade-off
1inch Card is the stronger all-round choice
1inch Card finishes ahead with an Overall Score of 79 versus 77 for ZEN Card. 1inch Card has the lower published FX fee (0% provider FX markup; Mastercard rate applies vs 0–0.5%). 1inch Card has the higher published base cashback rate (1% vs 0%).
ZEN Card still comes out ahead for Travel, Lowest fees, and Transfers, 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 1inch Card uses a hybrid custody 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 3). 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 1inch Card reviews first.
Continue with
ZEN Card
Continue with
1inch Card
05 · Common questions
ZEN vs 1inch FAQ
Is ZEN or 1inch better overall?
1inch Card has the higher Overall Score (79 vs 77). 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 1inch?
1inch Card has the lower published FX fee (0% provider FX markup; Mastercard rate applies 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 1inch?
1inch 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 1inch differ on custody?
ZEN Card uses a custodial balance setup, while 1inch Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this ZEN vs 1inch comparison?
The latest information check for these two cards was August 31, 2026, using 56 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.