The Zro Bank Card earns 0.5% BTC cashback on a Visa debit card with no annual fee, available in Brazil Only.
Zro Bank (Z.ro Bank) is a Brazilian digital bank founded in 2019 and headquartered in Recife that offers a digital account, international Visa debit card, Pix transfers, and integrated crypto buying, selling, and custody. The company is authorized as a payment institution by Brazil's Central Bank.
The Zro Bank Card is a crypto debit card offered by Zro Bank, available in Brazil Only. It offers 0.5% BTC cashback rewards on purchases. There is no annual fee to hold this card.
Best suited for Bitcoin holders who want to stack sats on everyday spending. It runs on the Visa network and requires full identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our best crypto cards in Latin America guide.
On $500/mo spend, the estimated monthly cost breakdown for Zro Bank Card is: gas $0.00, conversion spread $7.50, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $3.00/mo cashback that is still a net cost of about $4.50/mo ($54.00/yr). Zro Bank Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
| Tier | Rate | Requirement |
|---|---|---|
| Standard | 0.5% | Debit purchases above R$10 |
Note: Brazilian neobank (Recife-based, founded 2019) with chatbank model; corporate identity also branded 'Z.ro Bank'. International Visa debit card. 0.5% Bitcoin cashback on debit purchases above R$10. Zero annual fee, zero account fees, zero TED fees. Also supports Pix payments and crypto custody. BaaS via Banco Topázio. Already operating in Argentina, Chile, and Peru (not just targeted) alongside its home Brazil market. Note: Brazil's central bank banned stablecoin/crypto settlement in cross-border payments effective Oct 2026 — affects eFX rails, not domestic card spending.
Other crypto cards in the same region or category that may suit your spending profile:
The Zro Bank Card is a crypto debit card offered by Zro Bank. It is available in Brazil Only and allows users to spend cryptocurrency at merchants worldwide.
The Zro Bank Card offers 0.5% BTC cashback.
The Zro Bank Card has an annual fee of R$0. Additional fees: Conversion fee: 0%; FX fee: 0% (IOF tax separate); ATM: R$6.90 (Banco24Horas); Top-up: 0%.
Yes. The Zro Bank Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Zro Bank Card is available in Brazil Only.
The Zro Bank Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.