ZEN Card

#39 (out of 63) in Crypto Cards
Add to compare
5.9
Overall Rating
CRITERIA:
Brand Authority
3
Fees and Limits Structure
5.4
Customer Service
9.3
PROS:
  • Wonderful customer service
  • Apple Pay Enabled
  • Polish company: Users from Poland will enjoy country-specific features
CONS:
  • This is a Fiat card, with ability to top up with crypto via external provider
  • No traditional cashback
Visa or MC
Debit or Credit

Debit Card

Denominated In€ EUR
Apple PayEnabled
Monthly Fee

0.00 EUR

Monthly Inactivity Fee

0.00 EUR

Crypto to EUR Crypto->EUR Conversion Cost

~2.5%

Cashback

None

Daily Spending Limit

10,000 EUR

Daily ATM Withdrawal Limit

30,000 EUR

Foreign Exchange Fee

0.5%

Crypto to Fiat Conversion

Manual when Preloading

Crypto Asset Management

Fiat-Only (uses a third party service to convert your crypto)

Supported CountriesShow All (60)
Supported CryptocurrenciesBTCETHLTCUSDCUSDT
Your ZEN Card: A EUR debit card that lets you top up with crypto via an external provider

Your ZEN Card: A EUR debit card that lets you top up with crypto via an external provider

Zen Card Benefits and Rewards

Zen doesn’t offer traditional cashback, which other cards provide for every purchase. Instead, Zen offers cashback only at selected stores, and the list is quite small. For example, there could be just two offers: NordVPN (11%) and Travala (4%).

Moreover, if you are on the Free plan, you will only get 50% of the displayed cashback:

Free

Gold

Platinum

Monthly Cost 0 EUR 0.90 EUR 6.90 EUR
Cashback in Selected Stores 50% of the displayed cashback Standard Standard

 

ZEN Card is a Debit Card

  • Debit Card
  • Credit Card
  • Prepaid Card
  • LT88 8888 8888 8888 8888
  • Lithuania flag IBAN Bank Account
  • in your name

With ZEN Card, you'll get a true debit card experience, directly connected to a bank account. You'll receive a Lithuania-based IBAN bank account number issued in your name, and any funds you deposit into your account will become immediately available for spending on your card.

Useful:Some crypto card companies only allow fiat deposits from accounts that are directly in your name. With ZEN, third party senders are able to deposit funds into your bank account, which means you can receive fiat withdrawals from exchanges or receive salary payments.

It Comes in Both Physical and Virtual Forms

You can get ZEN Card in both physical and virtual versions, a feature only available with 30% of crypto cards. They'll mail you the physical card, and you can instantly get the virtual card online after completing KYC Identity Verification.

Wondering about the perks of each card type? Here are some highlights:

Physical Card
Virtual Card
ATM WithdrawalsSecond Card Number
Required for Car Rentals, HotelsInstant Availability
Useful When Phone Dies, or no WifiFreeze for Safety
Backup Payment MethodSet Lower Spend Limits
Cost to Order:
10 EUR
Cost to Order:
0 EUR

You will find the physical ZEN Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.

Back of Card

The back of ZEN Card

Card Issuer ZEN.COM
BIN Number
BIN number is the first 8 digits of the card and identifies the card issuer.
53571402
Validity Period4 years
Issuing CountryLithuania

Crypto-to-EUR Conversion Cost with ZEN Card

ZEN Card Requires Pre-Load

Before you can use your ZEN Card, you will need to top-up your account. This means you will have to convert your crypto in advance, exchanging it to EUR and moving it to the card account, to make it available for spending.

Crypto
Crypto to Fiat Conversion Fee0%
Broker Sell Spread2%
Load Fee0.5%
Transaction Fee
0%
Total Crypto to EUR Cost~2.5%
EUR

High Cost:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with ZEN Card will cost you more (~2.5%). This means that you will get less EUR for your crypto when using this card.

From all crypto cards we reviewed, Kast Card, WhiteBIT Card and Holyheld Card offer the cheapest crypto-to-fiat conversions (~0%, ~0.28% and ~0.5% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.

How Does ZEN Card Compare to Other Crypto Cards?

ZEN Card ranks #39 out of 63 amongst all the crypto cards we have reviewed so far. This card is a solid choice among the many crypto cards available, offering competitive features and benefits.

Strongest Features Against Competitors

Here are the strongest features of ZEN Card against its 63 competitors:

  • Has a Foreign Exchange Fee of 0.5% (other cards have 1.5% average).
  • Provides a substantial ATM widthdrawal allowance of 30,000 EUR per day (average amongst other cards is only 1,000 EUR).
  • Their customer service is very good with a 9.3/10 score (others score only 7.2/10 on average).
  • You can get both a physical card and a second virtual card (while 70% of competing crypto cards offer only one type - either physical or just virtual).
  • Available for residents of United States.

Weakest Features Against Competitors

Compared to its 63 competitors, here are the shortcomings of ZEN Card:

  • Doesn't offer any cashback (while other cards give an average of 4%).
  • Daily spend is capped at 10,000 EUR (while other cards offer 21,500 EUR daily spend limit on average).
  • Supports only 5 cryptocurrencies (while other cards support an average of 20).
  • Lesser-known company with a 3/10 brand authority score (the average for all competing cards is 6/10).
  • Requires preconversion of crypto to load the card (while 30% of competitors auto-convert on every purchase).
  • Doesn't offer any free ATM withdrawals (in contrast to 40% of crypto cards which offer an average of 200 EUR free withdrawal allowance per month).
  • ZEN Card vs. Crypto.com Card vs. Nexo Card

    ZEN Card
    Crypto.com Card
    Nexo Card
    Monthly Fee 0.00 EUR 0.00 CAD 0.00 EUR
    Crypto to Fiat Cost ~2.5% ~0.75% ~0.75%
    Highest Cashback None up to 5% up to 2%
    Entry-Level Cashback None 1% 0.5%
    Daily Spending Limit 10,000 EUR 35,000 CAD 10,000 EUR
    Daily ATM Limit 30,000 EUR 700 CAD 2,000 EUR
    Foreign Exchange Fee 0.5% 2% 2%
    Asset Management Fiat-Only Custodial Custodial
    Availability for United States flagUnited States
    Supported Cryptocurrencies 5 22 86
    Apple Pay Enabled Enabled Enabled
    Customer Service Great Bad Great
    Brand Authority Less-Known Well-Known Well-Known

    If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Crypto.com Card offers the highest daily spending limit of 35,000 EUR. You will get lower daily limits with ZEN Card and Nexo Card.

    Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, Crypto.com Card offers the best cashback rewards of up to 5%. The cashback rewards for Nexo Card are not as high. With ZEN Card, you will have no cashback rewards at all.

    To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.

ZEN Card ATM Fees: The Real Cost of Cashing Out

Local ATM Withdrawals in EUR

Here's a breakdown of the fees you'll face when making local ATM withdrawals with your ZEN Card:

You're at a local ATM and have:
0.076 ETH (200 EUR)
-5 EUR
ZEN Crypto-to-Fiat Conversion Cost: ~2.5%
-2.93 EUR
ZEN ATM Withdrawal Fee: 1.5%
-3 EUR
ATM Operator Fee: ~3 EUR
189.07 EUR

Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with ZEN Card will cost you a total of ~10.93 EUR (5.5% of 200 EUR), resulting in a final cash withdrawal of 189.07 EUR in hand.

Plus, if you'd like to check your balance via the ATM, it will cost you an additional 1 EUR.

Doesn't ZEN Card Offer Free ATM Withdrawals?

No, it doesn't. Which is a shame, because 40% of competing cards offer free ATM withdrawals, typically allowing up to 200 EUR per month without fees.

International non-EUR ATM Withdrawals

Things will get significantly worse for International ATM Withdrawals. If you're out of country and cashing out with your ZEN Card, here's what it will look like:

You're at an international ATM and have:
0.076 ETH (200 EUR)
-5 EUR
ZEN Crypto-to-Fiat Conversion Cost: ~2.5%
-2.93 EUR
ZEN Intl ATM Withdrawal Fee: 1.5%
-0.98 EUR
ZEN Foreign Exchange Fee: 0.5%
-1.95 EUR
Mastercard Foreign Exchange Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
-3.9 EUR
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 182.24 EUR)

For an international withdrawal using your ZEN Card with an initial 200 EUR in ETH, you'll incur fees totaling ~17.76 EUR (8.9% of 200 EUR), leaving you with 182.24 EUR in the equivalent foreign currency.

Reality CheckOverall, ZEN Card is slightly more expensive than other cards for local ATM withdrawals and slightly cheaper for international ATM withdrawals:

Cost with ZEN CardCost with Other Cards
Local ATM Withdrawals~11 EUR (5.5% of 200 EUR)~9.2 EUR (4.6% of 200 EUR)
International ATM Withdrawals~17.8 EUR (8.9% of 200 EUR)~18.4 EUR (9.2% of 200 EUR)

From all crypto cards that we reviewed, Trade Republic Card, Holyheld Card and Netcoins Card offer the cheapest local ATM withdrawals (2.2%, 2.5% and 2.6% of 200 EUR respectively), while OWNR Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 9% of 200 EUR.

We Tested ZEN's Customer Support

We asked ZEN's customer support different questions, and then rated their responses to evaluate how good their support is.

Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.

ZEN offers support via the following channels:

Chatin-app
Emailhello@zen.com
Web Formhttps://ask.zen.com/hc/en-us/requests/new

Location: ZEN customer service reps are located in Poland flagPoland.¹

Support Channel Our Interaction Score
Email
(replied in
1 h 9 min)
Patiently answered multiple follow up questions, reiterating the same topic of supported countries. Didn't show frustration, handled it professionally.
High Competence
Not Personalized
Flawless English, Professional Tone
9/10
Email
(replied in
14 min)
Great response, with "I hope you're having a great day!", and a good explanation about monthly fees.
High Competence
Somewhat Personalized
Flawless English, Professional Tone
9.5/10
Web Form
(replied in
14 min)
Quick and to the point reply to a question about 3rd party bank transfers.
High Competence
Not Personalized
Flawless English, Professional Tone
9/10
Chat
(replied in
3 min)
Initially asked us to explain a basic question, but then gave a good answer and addressed another question about transaction fees.
High Competence
Not Personalized
Flawless English, Professional Tone
9/10
Chat
(replied in
4 min)
Gave a detailed explanation, also looked into our account, when asked about card delivery being late.
High Competence
Highly Personalized
Flawless English, Professional Tone
10/10

To summarize,

Competence and Problem-Solving: ZEN's customer service agents are highly competent, so you can expect every issue to be resolved with professional expertise and a thorough understanding.

Customer Love: Their responses will be personalized when they need to look up specific information from your account, although they may not always address you by name.

Reply Speed: They respond remarkably quickly, with most of their replies coming within an average of 21 minutes, significantly saving your time.

Overall Customer Service Rating: 9.3/10

This excellent score places ZEN's Customer Service well above the crypto card industry average of 7.2/10.

ZEN Card supports 60 countries

Is ZEN Card Available for Residents of United States?

Yes, ZEN Card is available for residents of United States.

ZEN Card supports the following countries: Aland, Austria, Belgium, Bulgaria, Canada, China, Colombia, Costa Rica, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, French Guiana, Germany, Gibraltar, Greece, Guadeloupe, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Israel, Italy, Japan, Jersey, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, Malta, Martinique, Mayotte, Mexico, Moldova, Monaco, Netherlands, Norway, Poland, Portugal, Reunion, Romania, Saint-Martin, Singapore, Slovakia, Slovenia, South Africa, Spain, Sweden, Switzerland, Thailand, Türkiye, Ukraine, United Arab Emirates, United Kingdom, United States.

To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 11 cards listed there.

You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.

Yes. What's My Next Step?

Paulina Masson

Paulina Masson

Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.

⭑cryptonoshi
Logo
Compare items
  • Total (0)
Compare
0