KeyOne vs ZEN Card
The short answer
Winner: ZEN Card — 6.7/10 versus 6/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
KeyOne
KYC
ZEN Card
KYC
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
0%
0%
ATM fee
Free
1.5%
FX fee
Free
0.5%
Per transaction
Unlimited
Unlimited
Daily limit
Unlimited
$10k
Monthly limit
$30k
Unlimited
KYC
KYC
KYC
Card type
Prepaid
Debit
Custody
Non-custodial
Custodial
Conversion fee
Free
2.5%
ATM per transaction
Unlimited
Unlimited
Network
visa
mastercard
IBAN
✗
✓
Apple Pay
✓
✓
Google Pay
✗
✓
Countries
41
25
Coins
USDC, USDT
BTC, ETH, USDC, USDT
KeyOne vs ZEN Card FAQ
On our composite score ZEN Card edges ahead (6.7/10 vs 6/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.