ZEN.COM Pro Card
by ZEN.COM
- Monthly fee
- $6.90
- Card fee
- Free
- Top-up fee
- 0.5%
- ID check
- Full KYC
- Card
- Virtual + physical
- Phone pay
- Apple Pay, Google Pay
Our verdict
The Pro Card mixes premium banking features with a 'Reward Zone' that favours people who spend actively.
What we like
- +A Shard earned for every €3.30 spent
- +Two extra years of warranty on electronics
- +Reward Zone with bonus perks
- +Generous free ATM withdrawal limits
Watch out for
- −Rewards only pay off if you keep spending
- −Same monthly fee as Platinum but needs more engagement
- −Only for residents of supported EEA and UK regions
6.6/10
Editor score
Fair
6.8/10
User rating
Based on 17 sources
Lv 4
KYC Level
Full KYC
Global
Availability
21 countries excluded
Card Overview
Rewards
- Cashback
- —
- Cashback Crypto
- —
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- $6.90
- Card Issuance
- Free
- ATM Fee
- 1.5%
- FX Fee
- 0.1%
- Top-up Fee
- 0.5%
- Decline Fee
- —
Limits
- Daily Spend
- $30,000
- Monthly Spend
- Unlimited
- ATM Withdrawal
- $2,000
Card Info
- Card Type
- Physical Card, Virtual Card
- Card Network
- Mastercard
- Apple Pay
- Google Pay
KYC Requirements
Level: Full KYC
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✓Proof of addressRequired
- ✓Selfie verificationRequired
Community Sentiment
Community Score
6.8/10
Sourced from
ZEN.COM Pro Card is a useful but risky product with strong technology, popular with digital nomads and heavy online shoppers moving money across borders. Strengths include a 0.10% FX markup on the Pro tier, a gamified Shards-to-Stones cashback system with real instant returns, 35 currencies, crypto on-ramps through Binance, Bybit and OKX, a polished app with Apple Pay and Google Pay, and a two-year electronics warranty. Trust suffers from the operations. Automated AML checks freeze accounts on routine activity such as first salary deposits and transfers under €1,000, and with support limited to chatbots and templated replies, frozen funds can stay stuck. Compliance appears over-tuned and leads to terminations that users call unjustified. New users are also reportedly defaulted into the paid Pro plan with steep auto-renewal, which caused backlash. It suits technical e-commerce users as a secondary account, but is unreliable as a main bank.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Ethereum, Bitcoin, Litecoin, Tron, Polygon
More cards from ZEN.COM
Frequently asked questions
Does the ZEN.COM Pro Card require KYC?
Yes. ZEN.COM asks for full kyc before issuing the card. Full verification: ID document, proof of address and a selfie or liveness check.
What fees does the ZEN.COM Pro Card charge?
The card has a monthly fee of $6.90, an issuance fee of free, a top-up fee of 0.5%, an FX fee of 0.1%. See the fee table above for ATM and decline fees.
Does the ZEN.COM Pro Card work with Apple Pay and Google Pay?
Apple Pay is supported and Google Pay is supported, according to the issuer.
Which countries can get the ZEN.COM Pro Card?
It is available in most countries, except Afghanistan, Burkina Faso, Belarus, Central African Republic, Cuba, Ethiopia, Iraq, Iran, North Korea, Lebanon, Libya, Mali and 9 more.
Which cryptocurrencies does the ZEN.COM Pro Card support?
BTC, ETH, USDT, LTC, SOL, ADA, DOGE, USDC, XRP, BCH, TRX, AVAX, DAI.
Last updated August 19, 2026, verified August 6, 2026.