ZEN.COMZEN
77
Side-by-side card comparison
ZEN vs Xapo: overall score versus use-case fit
ZEN Card has the higher Overall Score by 7 points (77 vs 70). ZEN Card looks stronger for Cashback, Travel, Funds control, and Lowest fees, while Xapo Card comes out ahead for Transfers.
Information checked Sep 1, 202664 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. Xapo Card may be the better fit for 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.
OverallZEN77Xapo70Higher score
CashbackZEN39Xapo24Higher score
TravelZEN96Xapo91Higher score
Funds controlZEN65Xapo63Higher score
Lowest feesZEN80Xapo77Higher score
TransfersZEN98Xapo100Higher score
Choose ZEN Card if cashback and travel matter most
ZEN Card comes out ahead for Cashback, Travel, Funds control, 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 plan with 0.5% weekday FX margin
- Physical, virtual and phone-wallet access
- Four current crypto-route assets
Choose Xapo Card if transfers matters most
Xapo Card comes out ahead for Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- No Xapo FX markup
- Account-backed bank and crypto rails
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
- ZEN77Xapo70
ZEN Card has the higher Overall Score by 7 points.
- Entry cost & FX
- ZEN$0 plan · 0–0.5% FXXapo$1,000/year plan · 0–0.29% FX
ZEN Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- ZEN0% baseXapo0% base · up to 3%
Both cards show the same base cashback rate of 0%.
- Funds control
- ZENCustodial balanceXapoCustodial balance
ZEN Card and Xapo Card use the same custodial balance setup.
- Everyday access
- ZENVirtual + Physical · Apple Pay, Google PayXapoVirtual + Physical · Unknown
ZEN Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- ZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfersXapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
Xapo Card lists more stablecoins and ways to send money out (8 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
- 0%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 3 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 CardOverall77Xapo CardOverall70
ZEN CardOverall77Xapo CardOverall70Scores
6 fields- Overall Score
- ZEN Card77Xapo Card70
- Cashback score
- ZEN Card39Xapo Card24
- Travel score
- ZEN Card96Xapo Card91
- Funds control score
- ZEN Card65Xapo Card63
- Lowest fees score
- ZEN Card80Xapo Card77
- Transfers score
- ZEN Card98Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- ZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet accessXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- ZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rateXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- ZEN Card$0Xapo Card$1,000/year
- FX fee
- ZEN Card0–0.5%Xapo Card0–0.29%
- Top-up fee
- ZEN Card0–3%Xapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- ZEN Card0%Xapo Card0%
- ATM fee
- ZEN Card0–1.5%Xapo Card0–2%
- Virtual card
- ZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5Xapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10Xapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- ZEN Card4 plans: Free, Gold, Platinum, ProXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- ZEN CardFree: 0%Xapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- ZEN CardMastercard/VisaXapo CardVisa/Mastercard
- Card formats
- ZEN CardVirtual, PhysicalXapo CardVirtual, Physical
- ATM withdrawals
- ZEN CardAvailableXapo CardAvailable
- Mobile wallets
- ZEN CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- ZEN CardiOS, Android, WebXapo CardiOS, Android
- Daily spending limit
- ZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)Xapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- ZEN CardNot publicly confirmedXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- ZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)Xapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- ZEN CardNot disclosedXapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- ZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETHXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- ZEN CardSEPA bank transfer, Payment-card top-upXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- ZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfersXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- ZEN CardEURXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- ZEN Card0%Xapo Card0%
- Max cashback
- ZEN CardNot disclosedXapo Card3%
- Reward currency
- ZEN CardTransaction currencyXapo CardBTC
Earn
5 fields- Advertised APY
- ZEN CardNot offeredXapo CardUp to 3.35% APY
- How it works
- ZEN CardNot offeredXapo CardEarn on spending balance
- Separate deposit
- ZEN CardNot offeredXapo CardNo
- Use balance for spending
- ZEN CardNot offeredXapo CardYes
- Lock-up
- ZEN CardNot offeredXapo CardNo
Trust & availability
5 fields- Custody
- ZEN CardCustodialXapo CardCustodial
- Control until payment
- ZEN CardProvider controls fundsXapo CardProvider controls funds
- Card issuer
- ZEN CardUAB ZEN.COMXapo CardTransact Payments Malta Limited
- Deposits & withdrawals
- ZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLCXapo CardNot disclosed
- Bank transfers
- ZEN CardNot disclosedXapo CardXapo Bank Limited
Sources
2 fields- Official sources
- ZEN Card43Xapo Card21
- Last reviewed
- ZEN CardAug 23, 2026Xapo CardSep 1, 2026
04 · The trade-off
ZEN Card is the stronger all-round choice
ZEN Card finishes ahead with an Overall Score of 77 versus 70 for Xapo Card. ZEN Card has the lower starting plan cost ($0 vs $1,000/year). Both cards show the same base cashback rate of 0%.
Xapo Card still comes out ahead for Transfers, which may matter more than the overall result if that is how you plan to use the card. ZEN Card and Xapo Card use the same custodial balance setup.
Xapo Card lists more stablecoins and ways to send money out (8 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 Xapo Card reviews first.
Continue with
ZEN Card
Continue with
Xapo Card
05 · Common questions
ZEN vs Xapo FAQ
Is ZEN or Xapo better overall?
ZEN Card has the higher Overall Score (77 vs 70). 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 Xapo?
ZEN Card has the lower starting plan cost ($0 vs $1,000/year). 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 Xapo?
Both cards show the same base cashback rate of 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 Xapo differ on custody?
ZEN Card and Xapo Card use the same custodial balance setup.
How current is this ZEN vs Xapo comparison?
The latest information check for these two cards was September 1, 2026, using 64 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.