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Updated for July 2026
ZEN logo

ZEN Card

#30
MastercardDebit
ZEN Card card

ZEN Card is a competent EUR-denominated Mastercard for crypto holders across 60 countries, but its 2.5% conversion fee and cashback limited to a handful of partner stores undercut its value proposition for active spenders.

Get ZEN Card

Availability

Available nowComing soon

Rewards rate

None

FX fee

0.5%

Savings

0.0

Availability

60 countries

ZEN Card logoZEN Card

All about ZEN Card

ZEN Card card
Get ZEN Card

Main perks

Monthly feeNone
CashbackNone
FX fee0.5%
Savings0.0
ATM fee1.5%
Currencies6
Supported countries60
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Bonus offers

No current bonus offer.

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Rewards

Cashback on everyday purchases
Partner store cashback (free tier)50% of displayed rate
Welcome bonus
Staking rewards
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Pros

  • No monthly fee
  • Free virtual card
  • Personal IBAN included
  • Wide 60-country availability
  • High daily ATM limit (EUR 30,000)
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Cons

  • 2.5% crypto-to-EUR conversion fee
  • 0.5% FX fee on non-EUR transactions
  • No auto-conversion at point of sale
  • ATM withdrawals cost 1.5%
  • Physical card costs EUR 10
  • Cashback only at select partner stores
  • Free tier earns just 50% of displayed cashback
  • Custodial arrangement not disclosed
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Options to ZEN Card

CardTypeAnnual feeRewardsScore
B logoBleap CardDebit$0Up to 20%4.4View cardB logoBybit CardCrypto$0Up to 10%4.3View cardP logoPlutus CardDebit$0Up to 9%2.7View cardB logoBit2Me CardDebit$0Up to 9%3.9View card