# Bitstack Card vs. ZEN.COM Pro Card: fees, limits & KYC

- ZEN.COM Pro Card has the lowest foreign currency fee (0.5 % · on card payments outside the account currency; an additional 0.4% is added on weekends (Fri 22:00 to Mon 03:00 UTC)).
- Bitstack Card has the best score (5.6).

Entry variant: Bitstack Card: Standard · ZEN.COM Pro Card: GOOD.

## Basics

|  | Bitstack Card | ZEN.COM Pro Card |
| --- | --- | --- |
| Card form | debit | debit |
| **Card types** | physical | virtual, physical, metal |
| Card network | Visa | unknown |
| Custody | custodial | custodial |
| Funding model | fiat balance | fiat balance |
| **Card currencies** | EUR | AED, AUD, BHD, CAD, CHF, CNY, CZK, DKK, EUR, GBP, HKD, HUF, IDR, ILS, JPY, KES, KWD, MXN, MYR, NOK, NZD, OMR, PHP, PLN, QAR, RON, SAR, SEK, SGD, THB, TRY, UGX, USD, VND, ZAR |
| **Usage** | personal | personal, business |
| Issuer / BIN sponsor | Xpollens | unknown |
| Limits depend on | unknown | unknown |
| Cards per account | unknown | unknown |

## Availability

|  | Bitstack Card | ZEN.COM Pro Card |
| --- | --- | --- |
| Available in | unknown | unknown |

## Crypto

|  | Bitstack Card | ZEN.COM Pro Card |
| --- | --- | --- |
| Supported assets | BTC | unknown |
| Number of supported assets | unknown | unknown |
| Top-up networks | Bitcoin | unknown |
| Fiat top-up | Yes | unknown |

## Payments

|  | Bitstack Card | ZEN.COM Pro Card |
| --- | --- | --- |
| **Mobile wallets** | Apple Pay, Google Pay | Apple Pay, Google Pay, Garmin Pay, Xiaomi Pay |
| ATM withdrawals | Yes | Yes |
| Contactless | Yes | Yes |

## Fees

|  | Bitstack Card | ZEN.COM Pro Card |
| --- | --- | --- |
| **Virtual card issuance** | not applicable | 0.00 EUR |
| Physical card issuance | 9.99 EUR | 9.99 EUR |
| Free cards | unknown | unknown |
| Shipping | not published | unknown |
| Monthly fee | 0.00 EUR/month or 0.00 EUR/year | 0.00 EUR |
| Annual fee | 0.00 EUR/month or 0.00 EUR/year | unknown |
| Top-up fee | unknown | unknown |
| Crypto deposit fee | unknown | unknown |
| **Crypto conversion fee** | 0–1 % above the market rate · Depending on market conditions | not published |
| **Foreign currency fee** | 1 % · Approximately 1% applies only to the amount exceeding the €1,000 monthly free FX allowance. | 0.5 % · on card payments outside the account currency; an additional 0.4% is added on weekends (Fri 22:00 to Mon 03:00 UTC) |
| FX free allowance | 1,000.00 EUR | 1,000.00 EUR |
| Minimum FX fee | unknown | unknown |
| **ATM fee** | 5 or 200.00 EUR free, whichever comes first per calendar month, then 1 % (min. 1.00 EUR) (Free up to €200/month or 5 withdrawals, whichever is reached first; then €1 minimum or 1% per withdrawal, whichever is higher.) | 1.75 % |
| **Transaction fee** | not published | free |
| Cross-border fee | not published | unknown |
| Withdrawal fee | unknown | unknown |
| Activation fee | not published | unknown |
| Account closure fee | not published | not published |
| Dispute fee | not published | not published |
| Minimum top-up | unknown | unknown |
| Declined payment fee | unknown | unknown |
| Refund fee | unknown | unknown |
| Inactivity fee | unknown | unknown |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | unknown | unknown |
| Card replacement | not published | unknown |

## Rewards

|  | Bitstack Card | ZEN.COM Pro Card |
| --- | --- | --- |
| Cashback | 0.1–1.5 % | unknown |
| Referral bonus (invited friend) | 5 EUR | unknown |
| Referral bonus (you) | up to 200 EUR | unknown |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | Bitstack Card | ZEN.COM Pro Card |
| --- | --- | --- |
| Limits (entry level) | Spending per month 5,000 EUR · ATM per week 200 EUR · ATM per month 1,000 EUR | ATM per month 0 EUR |

- [Bitstack Card](https://cryptocardss.com/en/bitstack-card.md)
- [ZEN.COM Pro Card](https://cryptocardss.com/en/zencom-pro-card.md)

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- **Canonical URL:** https://cryptocardss.com/en/compare/bitstack-card-vs-zencom-pro-card/
- **As of:** 31 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 31 Oct 2026, https://cryptocardss.com/en/compare/bitstack-card-vs-zencom-pro-card/