A parcel that never arrived. A jacket that turns out to be cheaper in the shop next door an hour after you paid full price. A blender that breaks four months after the manufacturer’s warranty ends. The Better plan helps in every one of these situations.
The Better plan costs 2.99 EUR/month, and part of the money you spend on shopping comes back to you.
It includes everything from the Good plan, plus what we describe below.
What you get on the Better plan
| Benefit | What it does | Good plan | Better plan | Best / ZEN plan |
|---|---|---|---|---|
| Cashback | You get part of your money back when you shop at partner stores through the ZEN.COM app and pay with your ZEN Card | Limited: 50% of the cashback on each purchase | Unlimited: 100% of the cashback on each purchase | Unlimited: 100% of the cashback on each purchase |
| Best Price Cover | A better price, even after you’ve paid: find the same product for less in another physical store and claim back the difference | Not included | Up to 100 EUR | Best 250 EUR / ZEN 500 EUR |
| ATM Anti-Theft | Taking out cash should feel safe: get the cash back if you’re mugged and hurt right after a withdrawal | Not included | Up to 100 EUR | Best 250 EUR / ZEN 500 EUR |
| Extended Warranty | An extra 12 months of cover after the manufacturer’s warranty ends | Not included | Up to 1500 EUR | Up to 5000 EUR |
| Shopping Protection | When things go wrong, we step in: an item is faulty, not as ordered or never arrived | One free claim a year | Unlimited | Unlimited |
| Flight Claim Assistant | Your flight’s delayed, cancelled or you’re denied boarding? Our partner handles the compensation claim for you | Not included | Up to 600 EUR per passenger, depending on flight distance | Up to 600 EUR per passenger, depending on flight distance |
| Reward Zone | Rewards on every transaction, exchanged for cash in your ZEN account | Not included | ✓ | ✓ |
What’s new on the Better plan?
The Good plan is already a full multicurrency account (one card for up to 35 currencies at the best rates, with clear fees). The Better plan keeps all of that and adds unlimited cashback: you get 100% of the cashback on each purchase, instead of 50% on the Good plan. On every plan, you can get up to 250 EUR in cashback a day. Best Price Cover works after you buy, the warranty is longer and Shopping Protection is unlimited. With Reward Zone, you can exchange your rewards for cash paid straight into your ZEN account. If your flight’s delayed, cancelled or you’re denied boarding, Flight Claim Assistant spots when it qualifies for compensation and handles the claim for you, paying you directly. The Best and ZEN plans also come with higher limits.
Best Price Cover, cashback and Reward Zone
A better price, even after you’ve paid. You buy an item at full price in a physical store and pay with your ZEN Card. If you later find it for less in another physical store, you can claim back the difference, up to 100 EUR on the Better plan.
Cashback works through the app: before each online purchase covered by an offer, you tap the activation link there and get money back on that purchase.
When you order your ZEN Card, you choose whether to include Reward Zone. With it, every transaction earns rewards you can exchange for cash, paid straight into your ZEN account.
Protection that keeps working after you buy
Extended Warranty kicks in when the manufacturer’s warranty ends. You buy electronics or a household appliance with your ZEN Card, and once the factory warranty expires, the Better plan gives you another 12 months of cover, up to 1500 EUR.
ATM Anti-Theft covers a different kind of loss. Taking out cash should feel safe – if you’re mugged and hurt right after a withdrawal, you can get the cash back, up to 100 EUR on the Better plan.
Shopping Protection steps in when something goes wrong with an order: the item arrives faulty, not as described or doesn’t arrive at all. We’ve got your back. On the Good plan that’s one free claim a year. On the Better plan the limit disappears.
How this differs from a browser extension and a warranty bought at the till
A browser extension that tracks prices catches some of the deals. A warranty bought at the till covers just one product, and to use it you have to remember the receipt. You’d have to buy Shopping Protection separately, if anyone offers it at all. And cash stolen right after an ATM withdrawal is usually gone for good, because hardly anyone buys a separate policy for that.
On the Better plan, these four protections (Best Price Cover, Extended Warranty, Shopping Protection and ATM Anti-Theft) are part of the card you pay with every day anyway. Most of the benefits need no extra steps from you. There are four exceptions: you choose Reward Zone when you order your ZEN Card, with cashback you tap the activation link, with Extended Warranty you register your item in the app – just select it in your Transaction history – before its cover starts, and with Flight Claim Assistant you add your flight in Flight+. In every other case, just pay with your ZEN Card.
* The ZEN Premium metal card will be available soon.
Explore the Better plan: you can switch it on in the ZEN.COM app. Full conditions in the terms.
About ZEN.COM
The multicurrency account that makes shopping and travel better. Pay globally, get more from every purchase and travel with peace of mind. One account. One card. One app.
