ZEN Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Free (first virtual card on the Free plan)The fine print
|
|---|---|
| Annual fee | Free (Free plan, EUR 0 per month); Gold EUR 0.90 per month; Platinum EUR 6.90 per month; Pro EUR 6.90 per month |
| FX fee | 0.50% over Mastercard rate on Free plan (0.20% Gold, 0% Platinum/Pro); +0.40% outside FX market hours except Pro |
| ATM limit | 1.5% on Free plan; free up to EUR 200/mo on Gold, EUR 800/mo on Platinum/Pro, then 1.5% |
| Spending limit | EUR 10,000 per day by default, adjustable in the app up to EUR 30,000 per day (EUR-settled card); ATM up to EUR 2,000 per day by default |
Fees change; the current ones are in ZEN’s terms.
Features
- Cashback: Partner cashback (in-app rates)
The fine print
- Merchant-funded instant cashback at hundreds of partner online stores, up to 30% per offer, rates shown in the app
- The Free plan gets 50% of the amount, paid plans 100%
- KYC: Yes
- Card type: Virtual + Physical
- Top up with: Crypto top-up of the EUR balance in BTC, ETH or USDC, converted to EUR by an external provider at a 0.5% fee, minimum…
Full list
- … EUR 15, for ZEN.COM UAB accounts only
- SEPA and SWIFT transfers
- Visa and Mastercard cards and Apple Pay or Google Pay from 0.5% to 4.5% on the Free plan
- BLIK, iDeal, Bancontact, PayPal and other local methods
- Available countries: EEA countries and the United Kingdom
Full list
- Card ordering may be unavailable to residents outside the EEA
- Singapore accounts run by ZEN.COM PTE
- LTD. have no payment card in their terms
Who issues the ZEN Card
The ZEN Card is issued by UAB ZEN.COM, Lithuania (Bank of Lithuania e-money licence No. 35, issued 2018-05-24) (Electronic money institution (EMI)). The issuer is named in the source linked below. Self-issued: "ZEN.COM Cards are issued by UAB ZEN.COM under the licence of the respective Card Organization." Sibling entities ZEN-UK Limited (FCA) and ZEN.COM PTE. LTD. (MAS) cover other regions.
Primary source · All cards issued by UAB ZEN.COM · Why the issuer matters
Supported cryptocurrencies
You can load the ZEN Card with crypto; the 2 assets we track for it are listed below.
Pros and cons
Pros
- Free plan with a free virtual card
The fine print
- No FX markup on Platinum and Pro
- Personal EUR IBAN plus SWIFT details in 35 currencies
- Crypto top-up from an external wallet in BTC, ETH or USDC
- Apple Pay, Google Pay, Xiaomi Pay and Garmin Pay
- Regulated EMI supervised by the Bank of Lithuania
- No card issuance fee
- No annual maintenance fee
Cons
- Crypto is converted to EUR on deposit, so you never spend from a crypto balance
The fine print
- Crypto top-up takes only BTC, ETH and USDC and is not offered to UK or Singapore accounts
- 0.5% FX plus 0.4% on weekends on the Free plan
- ATM cash costs 1.5% on Free
- Cashback rates are per merchant and halved on the Free plan
- Card top-ups cost up to 4.5%
Regional availability
Available across the EEA
The ZEN Card covers the EU member states plus Iceland, Liechtenstein and Norway.
Banking and fiat rails
The fine print
- SEPA incoming free, outgoing EUR 0.25 on Free and Gold, free on Platinum and Pro
- Outgoing SEPA Instant not available on Free
- Outgoing SWIFT SHA 0.10% + EUR 5 on Free, 0.10% + EUR 3 on paid plans
Card overview
ZEN Card is a live fiat EMI card from ZEN.COM UAB, an electronic money institution supervised by the Bank of Lithuania. It does not spend crypto: ZEN holds no crypto, only fiat. Crypto you bring gets converted to EUR at top-up by an external provider for a 0.5% fee (EUR 15 minimum), so there is an extra conversion step before money reaches the card. That ramp is shrinking rather than growing: it now takes only BTC, ETH and USDC, and only for EU accounts, not UK or Singapore ones.
It is fully custodial. Plans run on monthly subscriptions across four tiers: Free, Gold (€0.90/mo), Platinum and Pro (€6.90/mo each). FX decides the deal. Platinum and Pro add nothing over the Mastercard rate; Free adds 0.5% and Gold 0.2%, with a 0.4% surcharge outside FX market hours on every plan except Pro.
Cashback is merchant-funded at hundreds of partner online stores, up to 30% per offer at rates shown in the app, and the Free plan earns only half the advertised rate. Treat that as a ceiling at select shops, not a flat return: net of fees the aggregate math can run slightly negative. Apple, Google, Garmin and Xiaomi Pay all work, with virtual and physical cards.
- Best fit
- EEA shoppers who want a cheap, near-zero-FX multi-currency fiat card with retailer cashback and only occasional crypto on and off-ramping
- Wrong card if
- you want to spend a crypto or stablecoin balance at checkout, or you want self-custody
Common questions about the ZEN 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.
