ZEN Card vs Xapo 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
ZEN Card
KYC
Xapo Card
KYC
Score
Annual fee
Free
$1000
Monthly fee
Free
Free
Cashback
0%
1%
ATM fee
1.5%
2%
FX fee
0.5%
Free
Per transaction
Unlimited
Unlimited
Daily limit
$10k
$750k
Monthly limit
Unlimited
$300k
KYC
KYC
KYC
Card type
Debit
Debit
Custody
Custodial
Custodial
Conversion fee
2.5%
0.1%
ATM per transaction
Unlimited
$800
Network
mastercard
visa
IBAN
✓
✓
Apple Pay
✓
✗
Google Pay
✓
✗
Countries
25
41
Coins
BTC, ETH, USDC, USDT
BTC, USDC, USDT
ZEN Card vs Xapo 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.