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  5. ZEN.COM Smart Business
ZEN.COM Smart Business
ZEN.COM Smart Business
Full KYC
Virtual Card Mastercard
6.0
Overall
Get This Card
ZEN.COM Smart Business logo

ZEN.COM Smart Business

by ZEN.COM

Get This Card

A basic business card with no monthly fee, suitable for small businesses managing multiple currencies.

Pros

  • +No monthly subscription fee
  • +1 free physical and 1 free virtual card
  • +Free ATM withdrawals up to €200/month
  • +Multi-currency IBAN support

Cons

  • -Higher 2% fee for ATM withdrawals above limit
  • -0.5% markup on currency exchange
  • -Fees apply to SEPA and SWIFT transfers
6.0/10
OverallGood
7.0/10
Community ScoreBased on 84 sources
Lv 4
KYC LevelFull KYC

Table of Contents

Card Overview

Money Movement
SEPA
✓
SWIFT
✓
ACH
✗
Wire Transfer
✗
Stablecoins
✓
Payout Fee
0.1%
Business Account
Multi-Currency Account
✓
Business IBAN
✓
Settlement Currencies
EURUSDGBPPLNRON
Onboarding
KYB Required
✓
Approval Time
—
Team & Controls
Employee Cards Included
1
Extra Card Fee
$5
Spend Controls
✓
User Roles
✓
Accounting
Integrations
—
Statement Export
✓
Platform
API Access
✓
Dedicated Support
—
Rewards
Cashback
—
Cashback Crypto
—
Staking Rewards
✗
Staking APR
—
Welcome Bonus
—
Referral Bonus
—
Fees
Monthly Fee
Free
Card Issuance
Free
ATM Fee
2%
FX Fee
0.5%
Top-up Fee
0.5%
Decline Fee
Not disclosed
Limits
Daily Spend
Not disclosed
Monthly Spend
Not disclosed
ATM Withdrawal
Not disclosed
Card Info
Card Type
Virtual Card, Physical Card
Card Network
Mastercard
Apple Pay
✗
Google Pay
✗
Money Movement
SEPA
✓
SWIFT
✓
ACH
✗
Wire Transfer
✗
Stablecoins
✓
Payout Fee
0.1%
Business Account
Multi-Currency Account
✓
Business IBAN
✓
Settlement Currencies
EURUSDGBPPLNRON
Onboarding
KYB Required
✓
Approval Time
—
Team & Controls
Employee Cards Included
1
Extra Card Fee
$5
Spend Controls
✓
User Roles
✓
Accounting
Integrations
—
Statement Export
✓
Platform
API Access
✓
Dedicated Support
—
Rewards
Cashback
—
Cashback Crypto
—
Staking Rewards
✗
Staking APR
—
Welcome Bonus
—
Referral Bonus
—
Fees
Monthly Fee
Free
Card Issuance
Free
ATM Fee
2%
FX Fee
0.5%
Top-up Fee
0.5%
Decline Fee
Not disclosed
Limits
Daily Spend
Not disclosed
Monthly Spend
Not disclosed
ATM Withdrawal
Not disclosed
Card Info
Card Type
Virtual Card, Physical Card
Card Network
Mastercard
Apple Pay
✗
Google Pay
✗

ZEN.COM also offers a personal card

KYC Requirements

Level: Full KYC
Email Verification
Required
Phone Verification
Required
Identity Document
Required
Proof of Address
Required
Selfie Verification
Required

Community Score

7.0/10
Sourced from
@Mario“I have order the card to the same adress that i ordered the time before and i don't know If will arrive. The agent didn't Tell me what i have to change at my adress to be ok for arriving the card.”@KRZYSZTOF“Zwrocili mi pieniądze gdy automat do biletów pobral mi pieniądze a go nie wydrukowal. Bardzo mile zaskoczenie.”@ramazan lico“I have been using ZEN.COM for more than a year, and I never expected to experience something like this. I attempted to transfer my own money from my ZEN account to my personal Exodus cryptocurrency wallet. Following this, ZEN restricted my account, card, and access to its services without providing me with a clear explanation or a satisfactory resolution. I cooperated with the review process and submitted the requested evidence, including screenshots, transaction details, and information about my wallet. Despite my cooperation, I have continued to receive generic, automated responses instead”@sh“They are not answering to client request even after more than two weeks, after thier payment provider charged more than 10% fee instead of less than 2%. No answer at all, and i'm unable to open new tickets before this one solved. Also their UI sucks, and too much gamification and other doubtful marketing technics. And they are asking to take a selfie each time I need to login, instead using a password. This is privacy nightmare.”@Michał“Coraz gorsza jakość świadczonych usług. Dzisiaj przy tankowaniu czekałem około 20min na doładowanie konta Zen, wkońcu zrezygnowałem z płatności kartą Zen.”@Igors“Great app, i enjoy free cashbacks”@Kryspin“Zen CARE and to much pay for withdraw”@Szymon“Od 12.10 nasze konto firmowe w ZEN.COM jest zablokowane. Dostaliśmy jedynie ogólnego maila o ograniczeniu funkcji konta. Nie było w nim przyczyny ani informacji, jakich dokumentów potrzebujecie. Support powtarza tylko, że mamy czekać na kontakt mailowy. Do dziś nikt się nie odezwał. Skutki blokady: – dwa przelewy natychmiastowe z zagranicy, wysłane w dniu blokady, do dziś nie zostały zaksięgowane, – przelew wychodzący z płatnością faktury dla zagranicznego dostawcy został zablokowany, – nie mamy dostępu do środków firmy, a kontrahenci czekają na zapłatę. Konta używaliśmy sporadycznie, wyłącz”@Alexander“Even if you live not in Russia and your company is well established outside of Russia, they'll not open you a corporate account if you have a Russian passport. Absolutely weird. Pure discrimination.”@Mati“Tragedia. Obsługa klienta masakryczna. Pieniądze przelewane z karty czy z Apple Pay oczekują tygodniami na jakieś dodatkowe informacje, dowody, blokady, problemy z logowaniami, sms autoryzacyjne nie przychodzą. Po prostu męczące. Nigdy nie spotkałem się z takimi problemami w innych bankach. Dla mnie najgorszy bank jaki miałem, a miałem sporo. Nie polecam.”@Carl mc“Was all good loved the app until I made a payment from another account of mine into zen and it’s now been pending since 9am when I went into live chat they said it would clear within 1 hour not overal happy”@Krzysztof Robert“To naprawdę działa!! Dostałem 30euro zwrotu!! Polecam ZEN!!!”@l l (Heqku)“Zen.com is a great neobank; they offer competitive conversion rates, and many different benefits. I hadn't had issues with their cashback program. I went through with the chargeback process successfully with their support, and on other occasion they've responded to me nearly immediately in chat at night, in Polish to my surprise.”@Fakhar Ali“Ok gud. But autotop not gud”@DARIUSZ“Profesjonalna i zdecydowana reakcja z Waszej strony spowodowała zwrot środków pobranych z mojego konta. Dziękuję bardzo!”@Tugba basaran“Zen com is a great app; I was able to use it for about two months. However, the situation now is that Zen com has suspended my account and cards and decided to close my account. I want to state clearly that I did not commit any of the violations listed on your website that would warrant account closure; a card I ordered to my country simply never arrived. Although I contacted customer support, I was told I needed to wait. If the closure of my Zen com account is linked to this lost card, please have the relevant department reconsider the decision to close my account.”@Romuald Orzeł“Zwrot za tankowanie rewelacyjna nagroda”@Sebastian“I like the possibility to exchange money to different currency's. It easy, fast and cheap. Additionaly Cashback is a great feature, I regret only that I didn't start using it earlier.”

Category Breakdown

Support Quality
7.6/10

Features

Not Available

Supported Cryptocurrencies

BTC iconBTCETH iconETHUSDT iconUSDT