ZEN.COM Smart Business
by ZEN.COM
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- 0.5%
- ID check
- Full KYC
- Card
- Virtual + physical
- Phone pay
- No
Our verdict
A basic no-monthly-fee business card that works for small companies handling more than one currency.
What we like
- +No monthly subscription fee
- +One physical and one virtual card at no cost
- +Free ATM withdrawals up to €200 a month
- +Multi-currency IBAN support
Watch out for
- −2% ATM fee above the free limit
- −0.5% markup on currency exchange
- −SEPA and SWIFT transfers carry fees
6.0/10
Editor score
Fair
6.0/10
User rating
Based on 37 sources
Lv 4
KYC Level
Full KYC
Global
Availability
5 countries excluded
Card Overview
Rewards
- Cashback
- —
- Cashback Crypto
- —
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- 2%
- FX Fee
- 0.5%
- Top-up Fee
- 0.5%
- Decline Fee
- —
Limits
- Daily Spend
- Unlimited
- Monthly Spend
- Unlimited
- ATM Withdrawal
- Unlimited
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
6.0/10
Sourced from
Reviewers agree on the strengths: a polished multi-currency app with 35 currencies, dedicated IBANs and Apple and Google Pay, instant fiat cashback rather than points, ZEN Care purchase protection with an extended electronics warranty, and a merchant gateway covering nearly 100 payment methods with instant settlement and crypto off-ramps via Bybit, OKX and Whitebit. The weak side is operational. As an EMI supervised by the Bank of Lithuania and safeguarding EUR 333M, ZEN.COM applies very sensitive automated monitoring, so routine transfers, crypto off-ramps and new-device logins can trigger freezes. Business users say source-of-funds documents were refused while their cash flow stayed stuck. Support is good when a named human is reached but falls back on AI loops and template replies when funds are locked. The 4.6 Trustpilot score relies heavily on invited reviews, while organic sources and an independent Swedish test rated it as low as 1/5. The Smart tier also has higher transfer fees than Enterprise, a 1.5% fiat withdrawal fee and subscription defaults some users call a dark pattern.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Ethereum, Bitcoin
More cards from ZEN.COM
Frequently asked questions
Does the ZEN.COM Smart Business 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 Smart Business charge?
The card has a monthly fee of free, an issuance fee of free, a top-up fee of 0.5%, an FX fee of 0.5%. See the fee table above for ATM and decline fees.
Does the ZEN.COM Smart Business work with Apple Pay and Google Pay?
Apple Pay is not supported and Google Pay is not supported, according to the issuer.
Which countries can get the ZEN.COM Smart Business?
It is available in most countries, except Afghanistan, Belarus, Iran, North Korea, Russia.
Which cryptocurrencies does the ZEN.COM Smart Business support?
BTC, ETH, USDT.
Last updated August 19, 2026, verified August 12, 2026.