Zinli
Zinli
Zinli is a low-cost Visa prepaid card, with a $0.99 monthly fee and a focus on remittances to Venezuela. Its risk profile is high, however: regulation is weak, coverage is limited to Panama and Venezuela, and the overall soundness of the service remains low.
Data & conditions
| Account fee | €1 |
|---|---|
| IBAN | condiviso |
| Multi-currency | No (single currency) |
| Outbound transfers to third-party IBANs | No |
| Utility direct billing | No |
| SEPA direct debit (SDD) | No |
| On-chain crypto withdrawal | No |
| Interest on balance | 0% |
| ATM withdrawal | not declared |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | LATAM · 5+ countries |
| Regulator | None |
| OAM Italy registration | No |
| MiCA / License status | None |
Plans & pricing
Strengths
- Visa prepaid; $0,99/month low cost; focus rimesse Venezuela.
- No notable sovereignty advantage documented.
Weaknesses
- ⚠️ risk high; regulation debole; only Panama+Venezuela.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
The D-band score is the harshest in the category and reflects a high risk profile: no declared regulator, weak regulation and coverage limited to Panama and Venezuela. The $0.99 monthly fee and the focus on remittances to Venezuela make the Visa prepaid card cheap and targeted, but the overall fragility of the service argues against entrusting it with meaningful sums.
On the crypto-native lens too Zinli offers no way out: a custodial product with full KYC and no self-custody or on-chain privacy features. It is a fiat prepaid card geared to remittances, where the lack of regulation raises risk without offering any autonomy or censorship resistance in return.
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.
FAQ
Is Zinli a real bank?
Zinli is a digital financial service. The deposit-protection scheme is not documented for this service; check the official terms.
Can I send transfers to third-party IBANs with Zinli?
The ability to send transfers to third-party IBANs is not documented; check the official website.
Does Zinli support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does Zinli support?
The number of supported fiat currencies is not documented. Multi-currency accounts: not documented.
Can I withdraw crypto on-chain from Zinli?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework · Monthly fee · Multi-currency · +5 Data verified on Jul 22, 2026
- crunchbase.com Legal name · Registered office Data verified on Jun 14, 2026
- getontop.zendesk.com Variante regionale.fee remittance pct · ATM limits · Annual cost Data verified on Jun 14, 2026
- notesread.com ATM fees · Card issuance fee Data verified on Jun 14, 2026
Show 3 more sources
- thedialogue.org Founders Data verified on Jun 14, 2026
- trustpilot.com Trustpilot reviews Data verified on Jun 14, 2026
- webmediums.com Legal name · Company type Data verified on Jun 14, 2026
Update history
- Real card fee: a mandatory $0.99 per month (the card previously showed as free). ATM withdrawals: flat $1.50 under $30, 5% above. Top-ups carry a cost (3.75% by card, 2.5% in cash, 4% + $0.50 via crypto); free via Panama ACH and Zinli-to-Zinli P2P.