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Comparison

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

In short

  • 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).
Show

differs best value same for all

Attribute Standard Bitstack CardBitstack Illustration: GOOD ZEN.COM Pro CardZEN.COM
Overview Requires KYC Private Physical Requires KYC Private & business Virtual Physical Metal
Score average average
CostsWeight 25 % 6.0 0.0
TrustWeight 20 % 6.8 7.4
KYC and privacyWeight 15 % 6.5 6.5
FeaturesWeight 15 % 6.8 10.0
AvailabilityWeight 10 % 0.1 not scored
RewardsWeight 10 % 3.9 not scored
CommunityWeight 5 % 6.4 6.1
Nationality –

Only with an ID document from: United States, Türkiye, Ukraine, Albania +63 more

KYC KYC: ID document KYC: ID document
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
Basics
Card formsame for all
debit help.bitstack-app.com checked 28 Oct 2026
debit ask.zen.com checked 30 Oct 2026
Card types (differs)
physical bitstack-app.com checked 28 Oct 2026
virtual, physical, metal zen.com checked 30 Oct 2026
Card network
Visa bitstack-app.com checked 28 Oct 2026
unknown
Custodysame for all
custodial bitstack-app.com checked 28 Oct 2026
custodial ask.zen.com checked 30 Oct 2026
Funding modelsame for all
fiat balance bitstack-app.com checked 28 Oct 2026
fiat balance zen.com checked 30 Oct 2026
Card currencies (differs)
EUR bitstack-app.com checked 28 Oct 2026
AED, AUD, BHD, CAD, CHF, CNY, CZK, DKK, EUR, GBP, HKD, HUF ask.zen.com checked 30 Oct 2026
+ 23 more AEDAUDBHDCADCHFCNYCZKDKKEURGBPHKDHUFIDRILSJPYKESKWDMXNMYRNOKNZDOMRPHPPLNQARRONSARSEKSGDTHBTRYUGXUSDVNDZAR
Usage (differs)
personal help.bitstack-app.com checked 28 Oct 2026
personal, business ask.zen.com checked 30 Oct 2026
Issuer / BIN sponsor
Xpollens bitstack-app.com checked 30 Oct 2026
unknown
Limits depend on
unknown
unknown
Cards per account
unknown
unknown
Unknown for allLimits depend on · Cards per account
Availability
Available in
unknown
unknown
Unknown for allAvailable in
Crypto
Supported assets
BTC bitstack-app.com checked 28 Oct 2026
unknown
Number of supported assets
unknown
unknown
Top-up networks
Bitcoin help.bitstack-app.com checked 30 Oct 2026
unknown
Fiat top-up
Yes help.bitstack-app.com checked 30 Oct 2026
unknown
Unknown for allNumber of supported assets
Payments
Mobile wallets (differs)
Apple Pay Google Pay bitstack-app.com checked 28 Oct 2026
Apple Pay Google Pay Garmin Pay Xiaomi Pay zen.com checked 30 Oct 2026
ATM withdrawalssame for all
Yes help.bitstack-app.com checked 28 Oct 2026
Yes zen.com checked 30 Oct 2026
Contactlesssame for all
Yes help.bitstack-app.com checked 28 Oct 2026
Yes zen.com checked 30 Oct 2026
Fees
Virtual card issuance (differs)
not applicable help.bitstack-app.com checked 28 Oct 2026
0.00 EUR zen.com checked 30 Oct 2026
Physical card issuancesame for all
9.99 EUR bitstack-app.com checked 29 Oct 2026
9.99 EUR zen.com checked 30 Oct 2026
Free cards
unknown
unknown
Shipping
not published help.bitstack-app.com checked 28 Oct 2026
unknown
Monthly feesame for all
0.00 EUR/month or 0.00 EUR/year bitstack-app.com checked 29 Oct 2026
0.00 EUR zen.com checked 30 Oct 2026
Annual fee
0.00 EUR/month or 0.00 EUR/year bitstack-app.com checked 29 Oct 2026
unknown
Top-up fee
unknown
unknown
Crypto deposit fee
unknown
unknown
Crypto conversion fee (differs)
0–1 % above the market rate · Depending on market conditions help.bitstack-app.com checked 30 Oct 2026
not published ask.zen.com checked 30 Oct 2026
Foreign currency fee (differs)
1 % · Approximately 1% applies only to the amount exceeding the €1,000 monthly free FX allowance. help.bitstack-app.com checked 30 Oct 2026
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) ask.zen.com checked 30 Oct 2026
FX free allowancesame for all
1,000.00 EUR help.bitstack-app.com checked 29 Oct 2026
1,000.00 EUR zen.com checked 30 Oct 2026
Minimum FX fee
unknown
unknown
ATM fee (differs)
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.) help.bitstack-app.com checked 30 Oct 2026
1.75 % zen.com checked 30 Oct 2026
Transaction fee (differs)
not published help.bitstack-app.com checked 30 Oct 2026
free zen.com checked 30 Oct 2026
Cross-border fee
not published help.bitstack-app.com checked 30 Oct 2026
unknown
Withdrawal fee
unknown
unknown
Activation fee
not published help.bitstack-app.com checked 30 Oct 2026
unknown
Account closure feesame for all
not published help.bitstack-app.com checked 31 Oct 2026
not published zen.com checked 31 Oct 2026
Dispute feesame for all
not published help.bitstack-app.com checked 31 Oct 2026
not published ask.zen.com checked 31 Oct 2026
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 help.bitstack-app.com checked 30 Oct 2026
unknown
Unknown for allFree cards · Top-up fee · Crypto deposit fee · Minimum FX fee · Withdrawal fee · Minimum top-up · Declined payment fee · Refund fee · Inactivity fee · Minimum monthly spend · Inactivity rule
Rewards
Cashback
0.1–1.5 % help.bitstack-app.com checked 28 Oct 2026
unknown
Referral bonus (invited friend)
5 EUR help.bitstack-app.com checked 30 Oct 2026
unknown
Referral bonus (you)
up to 200 EUR help.bitstack-app.com checked 30 Oct 2026
unknown
Welcome bonus
unknown
unknown
Unknown for allWelcome bonus

Values of the chosen variant; without a choice the entry variant (first in the provider's order).

Early warning

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One mail when something changes at Bitstack Card · ZEN.COM Pro Card: promotions and bonuses as well as warnings and incidents.

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You will first get a mail with a confirmation link.