Zebec Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
Get Zebec CardNot a partner link. We earn nothing from this card; it goes straight to the issuer.
Fees and limits
| Issuance fee | No sign-up fee on Silver or Carbon. Black: docs say no sign-up fee, but the zebec.io Black page lists a $1 activation fee |
|---|---|
| Annual fee | Free for SilverThe fine print
|
| FX fee | Variable FX fees may apply when spending outside the card currency; no rate published. Crypto conversion rates vary by token |
| ATM limit | Not disclosed; all consumer cards are virtual |
| Spending limit | Silver: load $10 to $1,000 per card, up to $10,000 a day across cardsThe fine print
|
Fees change; the current ones are in Zebec’s terms.
Features
- Cashback: None
The fine print
- No card cashback rate published
- Card pages say staking ZBCN earns extra rewards
- Zebec said tiered rewards on card spend would start in mid-2026 based on ZBCN balances, and no rates had been published by 22 September 2026
- KYC: Optional: a no-KYC tier is available
- Card type: Virtual
- Top up with: 180+ tokens across 21+ blockchains per docs, including Solana, Ethereum, Base, BNB Chain, Polygon, TON, Sui, Stellar…
Full list
… and XRP Ledger (card pages still say 150+ tokens on 18 blockchains)
- Available countries: Algeria, American Samoa, Angola, Argentina, Australia, Austria, Belgium, Bolivia (Plurinational State of), Brazil…
Full list
… Bulgaria, Cameroon, Canada, Chile, Costa Rica, Croatia, Cyprus, Czechia, Denmark, Ecuador, Egypt, El Salvador, Estonia, Finland, France, Georgia, Germany, Ghana, Gibraltar, Greece, Guam, Guatemala, Guernsey, Honduras, Hungary, Iceland, Ireland, Isle of Man, Italy, Jamaica, Japan, Jersey, Jordan, Kenya, Korea Republic of, Kuwait, Latvia, Lithuania, Luxembourg, Malawi, Malaysia, Malta, Mexico, Morocco, Mozambique, Nepal, Netherlands, Nigeria, Northern Mariana Islands, Norway, Oman, Pakistan, Papua New Guinea, Paraguay, Peru, Philippines, Poland, Portugal, Puerto Rico, Qatar, Romania, Saudi Arabia, Singapore, Slovakia, Slovenia, Spain, Sweden, Taiwan, Trinidad and Tobago, Turkey, U.S. Virgin Islands, United Kingdom, United States, Uruguay, Vanuatu, Zambia
Who issues the Zebec Card
Our issuer directory has no verified entry for the Zebec Card yet: a bank goes in only with a source we can cite. 39 of the 141 cards you can still get are in the same position. See our BIN-sponsor research for why disclosure varies and what it means for you.
Supported cryptocurrencies
You can load the Zebec Card with crypto; the 5 assets we track for it are listed below.
Pros and cons
Pros
- Funds stay in your own wallet until you load a card
The fine print
- 180+ tokens across 21 chains
- No sign-up or transaction fee on Silver and Carbon
- Apple Pay and Google Pay on every tier
- iOS and Android apps
- No-KYC option with minimal verification
- Multi-chain top-up across 5+ networks
Cons
- Silver is single-use
The fine print
- No published cashback rate, rewards tied to staking ZBCN
- No physical card
- FX rate not published
- Carbon's no-fee terms are 'for now'
- Black is temporarily offline and its fees conflict between the website and the docs
- The issuing bank is not named
- No IBAN or bank account, prepaid only
Regional availability
Available in Europe + USA
Carbon USD: residents of 78 listed countries and territories. Silver USD: US, Canada and US territories. Silver and Carbon GBP: UK, Gibraltar, Guernsey, Isle of Man and Jersey. Silver and Carbon EUR: EU countries except Malta. Black: by invitation or enterprise onboarding. Cards cannot be used in 23 listed countries.
Banking and fiat rails
Card overview
Zebec's consumer cards are virtual Mastercards run from the Zebec SuperApp on the web and on mobile, with no sign-up or transaction fee on Silver or Carbon, though Zebec describes Carbon's no-fee terms as 'for now'. Silver is a single-use entry card you load with $10 to $1,000, up to $10,000 a day across cards. Carbon reloads, with a $10,000 daily limit.
The USD Silver card is for the US, Canada and US territories and the USD Carbon card for residents of 78 listed countries; GBP versions of both serve the UK, Gibraltar, Guernsey, the Isle of Man and Jersey, and EUR versions the EU except Malta. Both issue with minimal information (name, email, phone) outside the UK and the EU, where KYC applies. GBP and EUR Carbon cards load up to £1,000 or €1,000 and hold at most £5,000 or €5,000.
The docs describe Black as an invitation-only card with a $50,000 daily limit and $10,000 per load, but the zebec.io cards page lists it as temporarily offline until late 2026, and its fees are not settled: the docs say no sign-up or transaction fee, while the zebec.io Black page still lists a $1 activation fee, about 2% per top-up, $0.30 per transaction and $1 a month. Funds stay in your own wallet until you load a card, from 180+ tokens across 21+ chains by the docs (the card pages still say 150+ on 18), and Apple Pay and Google Pay work on every tier.
Zebec publishes no FX rate and names no issuing bank. There is no published cashback rate either. The card pages say staking ZBCN earns "extra rewards", without any numbers. Cards cannot be used in 23 listed countries.
Treat the rewards as absent, and re-verify the fee sheet before loading a card.
Common questions about the Zebec Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
