A search for flavor-changing neutral-current couplings between a top quark, an up or charm quark and a $Z$ boson is presented, using proton-proton collision data at $\sqrt{s} = 13$ TeV collected by the ATLAS detector at the Large Hadron Collider. The analyzed dataset corresponds to an integrated luminosity of 139 fb$^{-1}$. The search targets both single-top-quark events produced as $gq\rightarrow tZ$ (with $q = u, c$) and top-quark-pair events, with one top quark decaying through the $t \rightarrow Zq$ channel. The analysis considers events with three leptons (electrons or muons), a $b$-tagged jet, possible additional jets, and missing transverse momentum. The data are found to be consistent with the background-only hypothesis and 95% confidence-level limits on the $t \rightarrow Zq$ branching ratios are set, assuming only tensor operators of the Standard Model effective field theory framework contribute to the $tZq$ vertices. These are $6.2 \times 10^{-5}$ ($13\times 10^{-5}$) for $t\rightarrow Zu$ ($t\rightarrow Zc$) for a left-handed $tZq$ coupling, and $6.6 \times 10^{-5}$ ($12\times 10^{-5}$) in the case of a right-handed coupling. These results are interpreted as 95% CL upper limits on the strength of corresponding couplings, yielding limits for $|C_{uW}^{(13)*}|$ and $|C_{uB}^{(13)*}|$ ($|C_{uW}^{(31)}|$ and $|C_{uB}^{(31)}|$) of 0.15 (0.16), and limits for $|C_{uW}^{(23)*}|$ and $|C_{uB}^{(23)*}|$ ($|C_{uW}^{(32)}|$ and $|C_{uB}^{(32)}|$) of 0.22 (0.21), assuming a new-physics energy scale $\Lambda_\text{NP}$ of 1 TeV.

Comparison between data and background prediction after the fit to data (Post-Fit) for the FCNC tZc LH coupling extraction. The distribution is for the $D_{2}^{c}$ discriminant in SR2. The uncertainty band includes both the statistical and systematic uncertainties in the background prediction. The FCNC tZc LH signals are also separately shown, normalized to 50 times the best fit of the signal yield. The lower panels show the ratios of the data (Data) to the background prediction (Bkg.).