ZEN CARD (FREE)

Status: Active

Issued by Zen

Curat Loyalty Bonus

Earn 50 xCURAT points on top of card benefits when you apply through us. T&Cs apply.

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ZEN CARD (FREE)
No back image available
FREE
Max Cashback YES
Fee Free
Card Use N/A
Self Reported
What is this?

Card Overview

Custody Type
custodial
Card Type
debit
Material
Plastic
KYC
Standard

Pros

Free Registration/Free Tiers
Get Cashback Instantly
Support Multiple Regions
IBAN AVAILABLE
High Daily Spending Limit
Multi-Tiers Available

Cons

Physical card costs 10 EUR
ATM withdrawals always charged at 1.50% (no free monthly allowance)
FX fee of 0.50% on non-account-currency purchases
Only 50% of Instant Cashback rate vs paid tiers
No extended warranty
ZEN Care limited to 1 claim/year and only refunds when transaction returned
Reward Zone access is limited

Rewards & Staking

Max Cashback
YES
On eligible purchases
Reward Token
N/A
Paid out monthly
Staking APY
N/A
On staked assets

Reward specifics

Boost Multiplier N/A
Monthly Cap N/A
Payout Frequency N/A
Welcome Bonus N/A
Referral Bonus N/A
Bonus APR N/A
Bonus Token N/A

Staking & Requirements

Required Token N/A
Min Stake Amount N/A
Fiat Value Req N/A
Lock-up Period N/A
Downgrade Penalty N/A

ROI Calculator

What this card actually nets you: cashback earned minus the fees and FX you pay. Defaults to $1,000/month, so drag to match your spend.

Inputs

ZEN CARD (FREE)

ZEN CARD (FREE)

Self Reported

Rates autofilled from this card

Monthly spend $1,000
Spent abroad (FX) 15%
Rates
Cashback 0% FX 0%

Net value / year

$0

$0 / month · +0.00% effective

Effective rate

+0.00%

Break-even spend

Any spend

Cashback

$0

FX cost

$0

Load fee

$0

Fees

$0

Estimate, not gospel. Cashback caps, tiered FX, and staking lock-ups vary by tier and region. Rates are pulled from this card's listed data, so adjust them above to match your situation.

Supported Assets

Chains

BITCOIN
BITCOIN
ETHEREUM
ETHEREUM
More
More
SOLANA
SOLANA

Card Options

Lifestyle & Perks

Not Offered

Airport Lounge

Not Offered

Crypto Events Shuttle

Not Offered

Airport Transfers

Not Offered

Priority Boarding

Not Offered

Esim

Not Offered

Concierge Services

Not Offered

Golf Access

Not Offered

Fitness Membership

Not Offered

Exclusive Club

Not Offered

Exclusive Merch

Not Offered

Nft Drops

Not Offered

Crypto Token Deals

Fees & Limits

Fee Schedule

Fee Structure Free
FX Fee 0.50%
ATM Withdrawal 1.50%
ATM (Domestic) N/A
ATM (Intl) N/A
Fee After Limit N/A
Inactivity Fee N/A
Top Up Fee N/A
Liquidation Fee N/A
Custody Fee N/A

Usage Limits & requirements

Daily Spend Limit N/A
Monthly Spend Limit N/A
ATM Withdrawal Limit N/A
Free ATM Limit None
Max Balance N/A
Min Balance N/A
Top Up Limits N/A

Technical Features

Integrations

Apple Pay
Google Pay
Contactless

Security

2FA Support
Biometric Auth
Card Freeze
Transaction Notifications
Dynamic CVV
Merchant Blocking

App & Usability

Spending Analytics
PIN Change in App
Spending Limits Control
Subscription Management
Budgeting Tools
Smartwatch Support
Recuring Payment Control
Dispute Filing
Receipt Capture
Split Bill
ATM Locator

Advanced & Global

Multi-currency Wallet
Crypto Auto-convert
Round-up Savings
QR Payments
Offline Mode
Carbon Tracking
Instant Card Details

Crypto Capabilities

Yield on Collateral
On-Chain History
Governance Rights
Credit Scoring

Banking & On-Ramp

Banking Features

Virtual Bank Account No
Account Type N/A
Direct Deposit No
Bill Pay No
Instant Issuance No
Self Custody No
Dual Mode (Switch) No

Funding & Withdrawals

On Ramp
Available
Funding Options
bank_transfer card_deposit crypto_transfer
Off Ramp
Available
Off-Ramp Options

Operations & Support

Support Channels

Support Tier N/A
Support Type in_app_chat, email, help_center
Hours N/A
Dedicated Manager No
Response SLA N/A

Geographic Availability

KYC Requirements

Standard
Email ID
Required
Phone Number
Required
Government ID
Required
Home Address
Required
Bank Statements
Not Required

Geographic Availability

Worldwide
Restricted
Not covered
Worldwide except 22 markets
View country list (4 countries)
EuGlobalUkUsa

Markets where this card can be used. Hover red regions for the restriction reason.

Region Restrictions

Markets where this card is unavailable, with the reason

  • AF sanctioned/prohibited jurisdiction
  • BF sanctioned/prohibited jurisdiction
  • BY sanctioned/prohibited jurisdiction
  • CF sanctioned/prohibited jurisdiction
  • CU sanctioned/prohibited jurisdiction
  • ET sanctioned/prohibited jurisdiction
  • IQ sanctioned/prohibited jurisdiction
  • IR sanctioned/prohibited jurisdiction
  • KP sanctioned/prohibited jurisdiction
  • LB sanctioned/prohibited jurisdiction
  • LY sanctioned/prohibited jurisdiction
  • ML sanctioned/prohibited jurisdiction
  • MM sanctioned/prohibited jurisdiction
  • NI sanctioned/prohibited jurisdiction
  • RU sanctioned/prohibited jurisdiction
  • SD sanctioned/prohibited jurisdiction
  • SO sanctioned/prohibited jurisdiction
  • SS sanctioned/prohibited jurisdiction
  • SY sanctioned/prohibited jurisdiction
  • UA Crimea, Donetsk, Kherson, Luhansk and Zaporizhzhia regions excluded
  • VE sanctioned/prohibited jurisdiction
  • YE sanctioned/prohibited jurisdiction

Sources & Provenance

Official · 33

33 source citations across 33 fields, captured during the latest research run.

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Community

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Quick Answers

Frequently asked questions about ZEN CARD (FREE)

Direct answers to the questions people ask most before they compare or apply for this card.

Verification Pending This card's details are not verified and may be out of date. We are working with the provider to update them as soon as possible.

Funding Methods

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