The Good plan is free, you know the fees upfront, and you get benefits from day one. Shopping Protection is already part of this plan, with one free claim a year. You can start with the Good plan and see how you use your account in everyday life.
The higher ZEN.COM plans add more benefits to the Good plan. On the Better, Best and ZEN plans, cashback is unlimited: you get 100% of the cashback on each purchase instead of 50%. On every plan, you can get up to 250 EUR in cashback a day. You get cashback on purchases from partners: tap the offer link in the ZEN.COM app and pay with your ZEN Card. You also get the Reward Zone, Unlimited Shopping Protection, Best Price Cover and Extended Warranty, and from the Best plan a full travel protection package as well.
What the Good plan includes
| What it is | What it does | On the Good plan |
|---|---|---|
| Multicurrency account | One card for 35 currencies, fees stated upfront | Included in the plan |
| Cashback | You get part of your money back when you shop at partner stores through the ZEN.COM app | Limited: 50% of the cashback on each purchase |
| Shopping Protection | When things go wrong, we step in: get your money back if an order doesn’t arrive or turns up faulty | One free claim a year |
| Card controls and notifications | Freezing your card, limits and notifications, all in the app | Included in the plan |
| Unlimited cashback (100% on each purchase), Reward Zone, Best Price Cover, Extended Warranty, Unlimited Shopping Protection | More benefits on every eligible purchase | From the Better plan |
| Travel protection package, Event Ticket Cover | Protection when you travel, and for tickets you can’t use | From the Best plan |
| Premium 24/7 support, the highest limits, the option to order a metal card* (for an extra fee) | Premium extras | On the ZEN plan |
A full account from the start
One ZEN Card handles 35 currencies (that’s what a multicurrency account is), so when you pay abroad you don’t need to carry a second card or work out the exchange rate first. Fees are stated upfront and the plan limits are known from the start. You get a notification as soon as a payment goes through, and you can freeze your card and set its limits in the app.
You get the same account features on every plan, and on the higher plans some transaction fees are even lower, for example for transfers and top-ups.
Shopping Protection at no extra cost
If an order doesn’t arrive or turns up faulty, we’ve got your back: Shopping Protection helps you get your money back. On the Good plan, that’s one free claim a year. On the paid plans the mechanism is the same, and the yearly limit goes away as early as the Better plan.
What the higher plans give you
For occasional payments, now and then, the Good plan is enough. Each next plan adds something and takes nothing away.
The Better plan: unlimited cashback (100% on each purchase), Reward Zone, Best Price Cover, Extended Warranty and Unlimited Shopping Protection, plus everything in the Good plan.
The Best plan: everything from the Better plan, plus a travel protection package that covers every trip paid for with your ZEN Card.
The ZEN plan: the highest limits and premium 24/7 support, plus everything in the Best plan. This plan also lets you order a metal card*.
When the Good plan isn’t enough
The Good plan won’t be enough if you shop a lot and would value Best Price Cover – a better price, even after you’ve paid – or if you travel often and want trip protection included, or if you need higher limits for ATM cash withdrawals, money transfers, currency exchange and more. That’s what the Better, Best and ZEN plans are for.
You can check the full terms and current limits of each of these benefits in the ZEN.COM app.
Free, with a few limits
You don’t need a paid plan to use your account. When the limits start to get in your way, the next plan adds new benefits to the ones you already have. You can see what the next plan gives you in the app.
* The ZEN Premium metal card will be available soon.
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.
