ZEN.COMZEN
77
Side-by-side card comparison
ZEN vs Pionex: overall score versus use-case fit
ZEN Card has the higher Overall Score by 20 points (77 vs 57). ZEN Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Pionex Card comes out ahead for Cashback.
Information checked Aug 23, 2026102 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. Pionex 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.
OverallZEN77Pionex57Higher score
CashbackZEN39Pionex52Higher score
TravelZEN96Pionex29Higher score
Funds controlZEN65Pionex43Higher score
Lowest feesZEN80Pionex58Higher score
TransfersZEN98Pionex79Higher 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 Pionex Card if cashback matters most
Pionex 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.
- Visa and Mastercard options
- 0.1%-1% cashback in USDT
- Pionex account funding and payouts
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
- ZEN77Pionex57
ZEN Card has the higher Overall Score by 20 points.
- Entry cost & FX
- ZEN$0 plan · 0–0.5% FXPionex$0 plan · Not disclosed 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% basePionex0.1% base · up to 1%
Pionex Card has the higher published base cashback rate (0.1% vs 0%).
- Funds control
- ZENCustodial balancePionexCustodial balance
ZEN Card and Pionex Card use the same custodial balance setup.
- Everyday access
- ZENVirtual + Physical · Apple Pay, Google PayPionexVirtual · 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 transfersPionex1 stablecoin · Stablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
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
- 0.1%-1%
- Plan cost
- $0
- FX fee
- Not disclosed
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
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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 CardOverall77Pionex CardOverall57
ZEN CardOverall77Pionex CardOverall57Scores
6 fields- Overall Score
- ZEN Card77Pionex Card57
- Cashback score
- ZEN Card39Pionex Card52
- Travel score
- ZEN Card96Pionex Card29
- Funds control score
- ZEN Card65Pionex Card43
- Lowest fees score
- ZEN Card80Pionex Card58
- Transfers score
- ZEN Card98Pionex Card79
Strengths & trade-offs
2 fields- Strengths
- ZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet accessPionex CardVisa and Mastercard options, 0.1%-1% cashback in USDT
- Trade-offs
- ZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback ratePionex CardMastercard can cost up to 3.5%, General access is virtual-only
Costs
7 fields- Plan cost
- ZEN Card$0Pionex Card$0
- FX fee
- ZEN Card0–0.5%Pionex CardNot disclosed
- Top-up fee
- ZEN Card0–3%Pionex CardNot disclosed
- Card spending fee
- ZEN Card0%Pionex Card3.5%
- ATM fee
- ZEN Card0–1.5%Pionex CardNot available
- Virtual card
- ZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5Pionex CardAvailable
- Physical card
- ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10Pionex CardNot available
Plans
2 fields- Available plans
- ZEN Card4 plans: Free, Gold, Platinum, ProPionex Card2 plans: Mastercard, Visa
- Top cashback plan
- ZEN CardFree: 0%Pionex CardVisa: 1%
Everyday use
8 fields- Network
- ZEN CardMastercard/VisaPionex CardVisa/Mastercard
- Card formats
- ZEN CardVirtual, PhysicalPionex CardVirtual
- ATM withdrawals
- ZEN CardAvailablePionex CardNot available
- Mobile wallets
- ZEN CardApple Pay, Google PayPionex CardApple Pay, Google Pay
- Apps
- ZEN CardiOS, Android, WebPionex CardNot disclosed
- Daily spending limit
- ZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)Pionex Card$10,000-$20,000/day; $10,000-$20,000/transaction depending on network
- Monthly spending limit
- ZEN CardNot publicly confirmedPionex Card$50,000-$100,000/month depending on network
- ATM limit
- ZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)Pionex CardNot available
Funding & transfers
5 fields- Networks
- ZEN CardNot disclosedPionex CardNot disclosed
- Crypto deposits
- ZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETHPionex CardOther crypto: Supported crypto
- Fiat deposits
- ZEN CardSEPA bank transfer, Payment-card top-upPionex CardNot disclosed
- Transfers
- ZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfersPionex CardStablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
- Payout currencies
- ZEN CardEURPionex CardNot disclosed
Rewards
3 fields- Base cashback
- ZEN Card0%Pionex Card0.1%
- Max cashback
- ZEN CardNot disclosedPionex Card1%
- Reward currency
- ZEN CardTransaction currencyPionex CardUSDT
Earn
5 fields- Advertised APY
- ZEN CardNot offeredPionex CardUp to 5% APY
- How it works
- ZEN CardNot offeredPionex CardEarn on spending balance
- Separate deposit
- ZEN CardNot offeredPionex CardNo
- Use balance for spending
- ZEN CardNot offeredPionex CardYes
- Lock-up
- ZEN CardNot offeredPionex CardNo
Trust & availability
4 fields- Custody
- ZEN CardCustodialPionex CardCustodial
- Control until payment
- ZEN CardProvider controls fundsPionex CardProvider controls funds
- Card issuer
- ZEN CardUAB ZEN.COMPionex CardNot disclosed
- Deposits & withdrawals
- ZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLCPionex CardNot disclosed
Sources
2 fields- Official sources
- ZEN Card43Pionex Card59
- Last reviewed
- ZEN CardAug 23, 2026Pionex CardAug 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 57 for Pionex Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Pionex Card has the higher published base cashback rate (0.1% vs 0%).
Pionex 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 Pionex 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 Pionex Card reviews first.
Continue with
ZEN Card
Continue with
Pionex Card
05 · Common questions
ZEN vs Pionex FAQ
Is ZEN or Pionex better overall?
ZEN Card has the higher Overall Score (77 vs 57). 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 Pionex?
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 Pionex?
Pionex Card has the higher published base cashback rate (0.1% 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 Pionex differ on custody?
ZEN Card and Pionex Card use the same custodial balance setup.
How current is this ZEN vs Pionex comparison?
The latest information check for these two cards was August 23, 2026, using 102 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.