ZEN Card
No referral link here — we do not monetize a service we have not verified.
- This is an EMI - UAB ZEN.COM, Bank of Lithuania, licence LB000457, single passport across EEA; regulator register page itself not opened (figure from zen.com and the pricing PDF footer), not a bank: funds are safeguarded, not covered by a €100k deposit guarantee.
Pros & Cons
Pros
- —
Cons
- Not a bank — no €100k deposit guarantee (funds safeguarded)
- No fully remote opening
Rating breakdown
Why this score
Good fit for
- Not enough verified facts yet to say who this fits.
May not fit if
- you need to hold USD
- you need crypto in or out
- you need a complete picture — 3 facts we treat as critical are still not disclosed
- you need a fully rated profile — this one is rated on 5 of 6 dimensions
This is an electronic money institution (EMI), not a bank. Funds are safeguarded, but NOT covered by the €100,000 deposit guarantee. Convenient, but legally it isn't a bank deposit.
- Licence
- EMI - UAB ZEN.COM, Bank of Lithuania, licence LB000457, single passport across EEA; regulator register page itself not opened (figure from zen.com and the pricing PDF footer) · null
Editorial review
Data reviewed by Ilya ChernetskiyFounder and editor, nomonedaUpdated: 2026-10-20
ZEN Card runs on an EMI - UAB ZEN.COM, Bank of Lithuania, licence LB000457, single passport across EEA; regulator register page itself not opened (figure from zen.com and the pricing PDF footer) licence: convenient, but your money is safeguarded rather than covered by the €100k deposit guarantee.
It is a crypto fintech licensed in null supporting the local currency. FX model: ZEN Rate plus plan-based markup (0.5% Free, 0.2% Gold, 0% Platinum/Pro).
Check the licensing and deposit-protection details below before you open an account.
Fees & terms
- Exchange rate
- ZEN Rate plus plan-based markup (0.5% Free, 0.2% Gold, 0% Platinum/Pro)
- Card cost
- Free plan: first virtual card free, next 5 EUR; physical card 10 EUR. Gold: first physical free then 10 EUR. Platinum/Pro: up to 2 physical and up to 3 virtual free, then 10 EUR / 5 EUR
- Local-currency withdrawal
- Not disclosed
- USD withdrawal
- Not disclosed
- Withdrawal fees
- Not disclosed
- Limits
- Not disclosed
- USD yield
- Not disclosed
- Cashback
- Not disclosed
- Licence
- EMI - UAB ZEN.COM, Bank of Lithuania, licence LB000457, single passport across EEA; regulator register page itself not opened (figure from zen.com and the pricing PDF footer) — null
- SEPA Instant
- No
- Verification of Payee (VoP)
- No
- FX model
- ZEN Rate plus plan-based markup (0.5% Free, 0.2% Gold, 0% Platinum/Pro)
- Opening requirements
- full - identity document from the supported-country list (ID card, passport, driving licence; residence permit only as plastic card); unlisted countries cannot open an account
- English support
- No
- Remote opening
- No
- Headquarters
- Lithuania
What to know before you move money
Elevated exposure — At least one thing here would change a reasonable person’s mind.
- CriticalThis is an EMI - UAB ZEN.COM, Bank of Lithuania, licence LB000457, single passport across EEA; regulator register page itself not opened (figure from zen.com and the pricing PDF footer), not a bank: funds are safeguarded, not covered by a €100k deposit guarantee.
Read from: eu.license_type, eu.dgs_covered
- MediumDocumented too thinly to score (candidate).
Read from: maturity_level
Recent updates
- 2026-10-20checked10 facts about ZEN Card re-checked against their sources
3 similar services
Chosen by overlap in what people use them for, not by category — the services that would land in the same shortlist as this one.
User reviews
User score
No reviews yet.
…
FAQ
- Is my money protected?
- No. ZEN Card operates under an EMI - UAB ZEN.COM, Bank of Lithuania, licence LB000457, single passport across EEA; regulator register page itself not opened (figure from zen.com and the pricing PDF footer) licence — funds are safeguarded but NOT covered by a €100k Deposit Guarantee Scheme. It is not a bank in the deposit-protection sense.
- What IBAN and transfers?
- ZEN Card issues a IBAN. SEPA Instant: no.
- Can I open remotely, in English?
- Opening may need a branch visit or local docs. Support is mainly local-language. Requirements: full - identity document from the supported-country list (ID card, passport, driving licence; residence permit only as plastic card); unlisted countries cannot open an account.
Data provenance & verification
Every fact is checked against an official source and stamped with a date. We re-check fees quarterly and document requirements twice a year. Fields not yet independently verified are labelled honestly.
We know this service exists, but a fact we consider critical is still missing — so it is not listed, scored or recommended.
Still needed
- Collect a critical field: currencies
- Collect a critical field: transfer_rails
- Collect a critical field: card_types