ZEN Card vs Bitsa Card
The short answer
Winner: ZEN Card — 7.4/10 versus 7.1/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
ZEN Card
KYC
Bitsa Card
No KYC
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
10%
0%
ATM fee
1.5%
1%
FX fee
0.5%
2%
Per transaction
Unlimited
$1.5k
Daily limit
$10k
$500
Monthly limit
Unlimited
$1k
KYC
KYC
No KYC
Card type
Debit
Debit
Custody
Custodial
Custodial
Conversion fee
Free
Free
ATM per transaction
Unlimited
Unlimited
Network
mastercard
visa
IBAN
✓
✗
Apple Pay
✓
✗
Google Pay
✓
✗
Countries
25
21
Coins
BTC, ETH, USDC, USDT
BTC, ETH
ZEN Card vs Bitsa Card FAQ
On our composite score ZEN Card edges ahead (7.4/10 vs 7.1/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.