ZEN Card
50%
Cashback
Free and paid plans (see official pricing…
Annual fee
KYC
KYC
Benefits
- Daily card spending ZEN is free of charge
- Instant cash back from cooperative merchants
- Support cryptocurrency top-up into fiat currency balance
- There are two sets of pricing in the EU and the UK.
Supported services
△Apple Pay
△Google Pay
△WeChat Pay
△Alipay
△ChatGPT
△Claude
Things to know
- Cryptocurrency is only a top-up channel, ZEN does not hold an encrypted balance; the top-up is about 0.5% (third-party evaluation)
- ATM cash withdrawal, balance inquiry (€1/time), PIN change (€1/time) charges
- Cashback is only available to cooperative merchants, and free users are halved.
Fees & specifications
CashbackCooperative merchants receive instant cash back (not all-site cash back); free package users receive 50% of the normal cash back, and paid package users receive the full amount
Staking requirementsNone
ATM withdrawalsCharges, see official ATM instructions for details
Card formatVirtual card + physical card (not separately verified)
Settlement assetsLegal currency balance (can be top-upd by cryptocurrency)
AvailabilityEU/EEA and UK (with independent pricing)
Sources & notes
Data credibility: medium; verification date 2026-10-09.