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ZZEN.COM Card logo

ZEN.COM Card

Updated: Sep 18, 2026

The ZEN Card is a payment card directly linked to a ZEN.COM multi-currency e-money account; it essentially utilizes the fiat currency balance within the account for spending, rather than directly deducting cryptocurrency assets. Users can fund their accounts via bank transfers or bank cards; for accounts supporting crypto services, users can also transfer cryptocurrency from external wallets—which is automatically converted into EUR by a third-party provider before being deposited into the ZEN account for card-based spending.
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Card network
Product type
Crypto-friendly bank account card
Card form
Virtual + physical card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
80-89
Supported assets
USDTUSDCBTCETHSOLXRPADADOGETRXAVAXLTCBCHDAI
Last updated
Sep 18, 2026

Official and company information

Issuer identity and company credentials

ZEN.COM services are provided by different regulated entities depending on the customer's location. UAB ZEN.COM, registered in Lithuania, is an electronic money institution regulated by the Bank of Lithuania, registration number 304749651, license number LB000457, and serves the European Economic Area through the single passport mechanism. ZEN-UK Limited is an electronic money institution regulated by the UK Financial Conduct Authority, license number 1000019. ZEN.COM PTE. LTD., registered in Singapore, holds a Major Payment Institution license from the Monetary Authority of Singapore. The relevant entities are responsible for accounts, e-money, and card services; the Visa or Mastercard brand is assigned automatically by the system.
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Company / issuer
ZEN.COM
Legal name
ZEN.COM
Registered region
Poland (PL)
Headquarters
Rzeszów, Poland / the EU
Company type
Emi
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

The ZEN Card is part of the ZEN.COM electronic money account ecosystem; users first create a personal or business ZEN account and then apply for a virtual or physical card via the app. The specific card network assigned—Mastercard or Visa—is determined by the system based on available card programs. The card utilizes fiat currency funds held in the ZEN account; it does not store or directly spend crypto assets such as BTC, ETH, or USDC. For ZEN.COM UAB customers with access to crypto services, crypto deposits are converted by an external service provider, and only the resulting EUR is credited to the ZEN account as spendable funds. Consequently, the structure functions more like a multi-currency electronic money account card with crypto on- and off-ramps, rather than a card directly linked to a crypto wallet.
Mastercard / Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Usage scale & trends

Usage data is not available for this card yet. It will appear here when available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Drag or swipe anywhere in the table to view every card; labels stay fixed

ZEN PRO
ZEN Basic
ZEN Travel
Card formVirtual + physical cardVirtual + physical cardVirtual + physical card
Fees
Monthly fee
6.9 EUR
Limited-time price
Free
Free
Card issuance fee
Free
3 and 2 cards free, additional cards charged separately
Free
Free starting point; 0-10 EUR, free allowance per plan.
Free
Free starting point; 0-10 EUR, free allowance per plan.
ATM fee
1.5%
Free up to EUR 800 per month, 1.5% beyond that, calculated per account cycle
1.5%
Free plan: 1.5%; Gold: free up to EUR 200 per month, 1.5% beyond; Platinum and Pro: free up to EUR 800 per month, 1.5% beyond. Calculated cumulatively per plan.
1.5%
Free plan: 1.5%; Gold: free up to EUR 200 per month, 1.5% beyond; Platinum and Pro: free up to EUR 800 per month, 1.5% beyond. Calculated cumulatively per plan.
Foreign exchange fee
0%
Minimum 0%, charged per currency pair
0.5%
Free: minimum 0.5%; Gold: minimum 0.2%; Platinum and Pro: minimum 0%. Charged per plan and currency.
0.5%
Free: minimum 0.5%; Gold: minimum 0.2%; Platinum and Pro: minimum 0%. Charged per plan and currency.
Top-up fee———
Failed transaction fee———
Rewards
Cashback
0%
Shards converted to Moneyback, limited to specified spending categories
0%
Instant cashback at partner merchants; Free plan rewards halved.
0%
Instant cashback at partner merchants. No Reward Shards earned.
Crypto cashback———
Staking rewards———
Staking APR———
Welcome bonus———
Referral bonus———
Limits
Daily spending limit
10,000 EUR
EUR 10,000, PLN 30,000, or GBP 10,000; adjustable limit in app
10,000 EUR
Daily spending limit is €10,000, 30,000 PLN, or £10,000; the limit can be adjusted in-app.
10,000
Daily spending limit of EUR 10,000, PLN 30,000, or GBP 10,000. Adjustable limit in app.
Monthly spending limit———
ATM withdrawal limit
2,000 EUR
EUR 2,000, PLN 2,000, or GBP 2,000 per day; adjustable limit in app
2,000 EUR
The ATM withdrawal limit is 2000 euros, 2000 Polish zlotys, or 2000 pounds per day; the limit can be adjusted in the app.
2,000
ATM withdrawal limit of EUR 2,000, PLN 2,000, or GBP 2,000 per day. Adjustable limit in app.
Card network
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Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and language support

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

66
ArmeniaAMIndonesiaIDÅland IslandsAXSingaporeSGSouth KoreaKRCambodiaKHIndiaINSwitzerlandCHJerseyJEGeorgiaGENetherlandsNLUkraineUASan MarinoSMMaltaMTGermanyDEChileCLUnited KingdomGBAlbaniaALPortugalPTFinlandFISpainESGibraltarGIItalyITNew ZealandNZAustriaATBouvet IslandBVHeard & McDonald IslandsHMLiechtensteinLIBulgariaBGNorwayNOMontenegroMEJapanJPAndorraADCzechiaCZSlovakiaSKBosnia & HerzegovinaBALuxembourgLUSloveniaSIUnited Arab EmiratesAELithuaniaLTIsraelILIcelandISPhilippinesPHFaroe IslandsFOCroatiaHRGreeceGRBelgiumBEDenmarkDKEstoniaEESwedenSEUnited StatesUSTürkiyeTRRomaniaROGuernseyGGCyprusCYIrelandIEPolandPLFranceFRBhutanBTCanadaCAThailandTHMoldovaMDAustraliaAUNorth MacedoniaMKHungaryHULatviaLV
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

21
AfghanistanAFCentral African RepublicCFIraqIQLibyaLYEthiopiaETSyriaSYVenezuelaVESudanSDRussiaRUMyanmar (Burma)MMSomaliaSOMaliMLNicaraguaNICubaCUSouth SudanSSLebanonLBBurkina FasoBFIranIRYemenYEBelarusBYNorth KoreaKP
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，U.S. residence alone does not meet ZEN.COM’s card eligibility requirement, which is based on EEA residence or citizenship, but an eligible ZEN.COM Card can be used in the United States.
2. United Kingdom：Can apply，Can use，UK residents are covered by ZEN.COM’s separate UK card program and can obtain a card after opening and verifying an eligible ZEN.COM account.
3. Canada：Cannot apply，Can use，Canadian residence alone does not qualify for card issuance because the non-UK card program requires EEA residence or citizenship, but an eligible ZEN.COM Card can be used in Canada.
4. Australia：Cannot apply，Can use，Australian residence alone does not satisfy the EEA issuance requirement, although an EEA citizen may qualify separately and an eligible card can be used in Australia.
5. South Africa：Cannot apply，Can use，South African residence is outside the EEA-based card eligibility requirement, but a ZEN.COM Card issued to an eligible user can be used in South Africa.
6. New Zealand：Cannot apply，Can use，New Zealand residence alone does not qualify under the EEA card-issuance rule, although an EEA citizen may qualify separately and an eligible card can be used locally.
7. Ireland：Can apply，Can use，Ireland is in the EEA, so residents with an active verified ZEN.COM account meet the geographic requirement for card issuance.

Updated: Sep 16, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / ID card / Plastic residence permit / Driver's license

Review time / regional limits

Automated verification generally takes minutes; triggering manual compliance review takes about three days.

KYC provider

iDenfy, Veriff

Updated

Aug 2, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported12
Not supported0
UpdatedAug 2, 2026

Wallet payments

Alipay

Supported

Aug 2, 2026

Wallet payments

Apple Pay

Supported

Aug 2, 2026

Cash services

ATM withdrawal

Supported

Aug 2, 2026

AI tools

ChatGPT

Supported

Aug 2, 2026

AI tools

Claude

Supported

Aug 2, 2026

Wallet payments

Google Pay

Supported

Aug 2, 2026

AI tools

Midjourney

Supported

Aug 2, 2026

In-person payments

Offline POS

Supported

Aug 2, 2026

Online shopping

Online shopping

Supported

Aug 2, 2026

Wallet payments

PayPal

Supported

Aug 2, 2026

Subscriptions

Subscription payment

Supported

Aug 2, 2026

Wallet payments

WeChat Pay

Supported

Aug 2, 2026

Review

Read the editorial review, its verdict and latest update.

No review yet

No review has been published for this card. Published reviews appear here.

User reviews

Showing 10 approved reviews matched to this card

Newest first
cucciola1929google_play★ 1 / 5

ZEN.COM – Mobile Wallet Google Play review - 1 star

this app is a scam, do not use it
View original
MYKHAILOtrustpilot★ 5 / 5
Топ чел быстро четко
View original
Tomasz Grażyńskigoogle_play★ 1 / 5

ZEN.COM – Mobile Wallet Google Play review - 1 star

I loved this app till I noticed that it used more than 5GB of mobile data in 2 weeks. Looks very suspicious - why banking app needs to transfer so much data?
View original
KAMILAtrustpilot★ 5 / 5

Świetny personel i doskonała jakość obsługi

Świetna obsługa, Pani Nadia bardzo sympatyczna i profesjonalna. Czas odzyskania zablokowanego konta był krótki, a czas oczekiwania na konsultanta wynosił mniej niż 5 minut.
View original
Alexandru Grumazescugoogle_play★ 5 / 5

ZEN.COM – Mobile Wallet Google Play review - 5 star

Great support. Wait tine is a bit iffy but the agent was on point and I use zen daily. No issues on the app or card side.
View original
Patryk Malczewskitrustpilot★ 5 / 5

Great wallet

Great wallet , amazing rewards and cashbacks ❤️
View original
Piotrtrustpilot★ 1 / 5

Witam jestem użytkownikiem zen od ponad…

Witam jestem użytkownikiem zen od ponad roku teraz od wczoraj zaczął się problem z przelewami na czyjąś kartę cały czas odrzuca mi moje przelewy które chce zrobić przypominam że jestem osobą z najwyższym planem ich i chyba będzie rezygnacja z konta nie polecam
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Jonatantrustpilot★ 5 / 5

Super obsluga

Szybko, konkretnie i efektywnie :)
View original

Risk factors

Updated: Aug 2, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does ZEN.COM Card require KYC?

Our record lists the ZEN.COM Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.

Does ZEN.COM Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up ZEN.COM Card with?

Our record lists ZEN.COM Card support for: USDT, USDC, BTC, ETH, SOL, XRP, ADA, and DOGE (13 in total).

Is ZEN.COM Card a virtual or a physical card?

ZEN.COM Card is offered as: Virtual + physical card.

Where is ZEN.COM Card available?

Our record lists 66 countries or regions as available and 21 as restricted. Country-by-country status is in the regions section of this page.

Who issues ZEN.COM Card?

ZEN.COM Card is operated by ZEN.COM on the Mastercard / Visa network.