老贼

Note: ZEN no longer supports registration with mainland identity.

Due to the blogger's Schwab debit card ATM withdrawals (four times five thousand), which triggered risk control and locked the card, the Charles Schwab account has been canceled. Recently, I am trying to use the ZEN debit card as my main card. ZEN is not easily subject to risk control, and the overall experience is quite good; deposits, withdrawals, and daily spending are all very smooth.

Regarding deposits: I transferred 1000 euros to the ZEN account from IBKR via SEPA, which IBKR shows has been sent out, but ZEN took eight hours to credit the account. It is unclear whether this triggered ZEN's manual review for crediting.

Regarding ATM withdrawals: I activated the Pricing plan in advance and withdrew a total of four times, three times three thousand and once one thousand, totaling ten thousand yuan, with approximately 1277.38 euros deducted from the ZEN account, without triggering risk control.

Currently, the ZEN card can successfully withdraw cash at ATMs of the four major banks (Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank), while other local banks do not support it. If an ATM from one of the four major banks shows "service cannot be completed for some reason," you can try the ATMs of the four major banks one by one.

When withdrawing from ATMs, it is usually advisable to select the checking account. Among them, the ATMs of Agricultural Bank of China, Bank of China, and China Construction Bank do not charge currency exchange fees, while the Industrial and Commercial Bank of China charges about 50 yuan for a withdrawal of one thousand.

Daily spending: The ZEN card is linked to Alipay for single transactions under 200 yuan, and Alipay waives the handling fee. In the past week, I bought breakfast, drank coffee, ordered takeout, and purchased flight tickets on Fliggy every day without triggering ZEN's risk control.