Where finance meets ZEN

Choose your path. Keep your personal money and business finances at peace.

for me
when I buy
for my business
when I sell
500,000+ happy customers
See why


One account, many currencies

An all-in-one mobile app for secure shopping, exchanging money, and managing your daily finances

Multi-currency account

28+ currencies, and currency exchange with no additional fees

ZEN Mastercard®

Virtual and physical ZEN Mastercard® cards with Digital First certification

Account top-ups

Fast, secure account top-ups in foreign currencies with a wide selection of options

Money transfers

Global and local payment methods (SWIFT and SEPA) and internal ZEN transfers

Scan to get the ZEN.COM app

We’ve designed the whole process to be as short and simple as possible. Get the app and see for yourself!


One ecosystem, many possibilities

A comprehensive ecosystem for accepting and processing payments. Fast and secure money transfers.

Payment gateway

A modern and secure tool for handling your transactions with almost 100 payment methods. Global solutions that will grow your business.

Payment methods

Almost 100 most popular local and global payment methods. Offer your customers the best shopping experience.

Instant settlement

Funds ready to use instantly after reaching your ZEN account. Freely decide on the methods of withdrawals and their frequency.

Multicurrency account

28+ currencies in one account with a dedicated IBAN number, and currency exchange at the lowest rates

Get started with ZEN

Tell us about yourself and we’ll match our account to fit your needs.
Your ZEN journey begins here!

Scan to get the ZEN.COM app

Open an account in minutes. Scan QR Code to download the ZEN.COM app.

Scan to download