ZEN Card Platinum
A plan byZEN Card · Mastercard
Data verified on unchanged since the sources
ZEN.com is a Lithuanian electronic money institution (EMI), founded in 2018 and regulated by the Bank of Lithuania, offering multi-currency accounts (28 currencies), physical and virtual Mastercard cards, a dedicated IBAN, and crypto integration (BTC, ETH, SOL and others, in partnership with zondacrypto). Client funds are segregated in safeguarding accounts under EMI rules: there is no government deposit guarantee. Note: the base monthly fee is EUR 0 (Free plan) and the FX markup shown (0.5%) is the Free-plan markup over the Mastercard rate; higher tiers lower it (Gold 0.20%, Platinum/Pro 0.00%). ATM withdrawals cost 1.50% above the free monthly allowance (EUR 200 on the Free plan, EUR 800 on higher plans). Paid-plan monthly fees (official ZEN fee schedule) are EUR 0.90/month for Gold and EUR 6.90/month for Platinum and Pro.
Platinum
- Monthly fee
- €7
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Account fee | Free |
|---|---|
| IBAN | IBAN lituano dedicato (SEPA + SWIFT) |
| Deposit guarantee | None (e-money account) |
| Multi-currency | EUR, USD, GBP, NZD, AED, AUD, BGN, CAD, CHF, CZK, DKK, HKD, HRK, HUF, ILS, JPY, NOK, PLN, QAR, RON, SAR, SEK, SGD, THB, TRY, ZAR, CNY, MXN, KES, UGX |
| Network | Mastercard |
| ATM withdrawal | 1.5% |
| Free ATM limit | Prelievo ATM 1,50% oltre la soglia gratuita mensile (200 EUR sul piano Free, 800 EUR sui piani superiori) |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA, UK · 58+ countries |
| Regulator | Bank of Lithuania (Lietuvos bankas) |
| Segment | B2C |
| Funding / solidity | UAB ZEN.COM, founded in 2018 and headquartered in Vilnius (Lithuania), is an independent electronic money institution; it ranks among the top independent Lithuanian EMIs by revenue. |
| MiCA / License status | Bank of Lithuania EMI (Electronic Money Institution) Electronic money institution (EMI) authorised by the Bank of Lithuania since 2018; passported across the entire EEA. |
Strengths
- Multi-currency account with 28 currencies and a dedicated Lithuanian IBAN for SEPA and SWIFT
- Physical and virtual Mastercard cards with cashback and crypto integration (BTC, ETH, SOL)
- Free base plan with no monthly fee and free ATM withdrawals within the plan limit
- No notable sovereignty advantage documented.
Weaknesses
- No government deposit guarantee: only EMI safeguarding (neither FSCS nor 100k guarantee)
- 0.5% FX markup on the base plan, reduced only by upgrading to paid tiers; ATM 1.50% above the free allowance
- Custodial: funds (and crypto) are held by the institution, not self-custodied
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Electronic money institution (EMI) authorised by the Bank of Lithuania since 2018; passported across the entire EEA.): reporting to authorities and freezes on order.
Verdict
Limited protection: ZEN.com is a Lithuanian EMI, not a bank. Funds are segregated in safeguarding accounts under EMI rules, but there is no government deposit guarantee (neither FSCS nor a 100k scheme). In case of institutional insolvency you rely on the quality of segregation, not a public fund.
Low sovereignty: custodial product with full KYC. Funds and crypto (via zondacrypto) are held by the institution, not self-custodied, and access can be suspended. Suited to those seeking multi-currency convenience, not those prioritizing direct key control.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
Reputation
What happened to people who used ZEN Card, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
History not verifiedWe have not yet completed the incident search for this service: no entries here does not mean no events.
Public reviews
-
App Store ↗
4.6/5
629 reviews
Exact figure from iTunes Lookup for 'ZEN.COM: Multi-Currency Wallet' (id 1505547865, US storefront), developer ZEN.COM UAB.
Weighted average across 1 public review platform (629 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
Is ZEN.com a bank and is my money guaranteed?
No, ZEN.com (UAB ZEN.COM) is an electronic money institution regulated by the Bank of Lithuania, not a bank. Funds are segregated in safeguarding accounts under EMI rules, but they are not covered by a government deposit guarantee.
Which crypto and which card network does ZEN support?
The ZEN card runs on the Mastercard network (physical and virtual). Through its zondacrypto integration, ZEN provides access to crypto such as Bitcoin, Ethereum, Solana and others.
Sources
- Official service page Payment network · Multivaluta · Virtual card · Iban tipo · +2 Data verified on Jul 14, 2026
- en.wikipedia.org Issuer · Founded · Paese licenza · Licenses & registrations · +5 Data verified on Jun 23, 2026
- todey.xyz Monthly fee · FX markup · ATM limits Data verified on Jun 22, 2026