The right plan depends on how you spend. Start with the description that sounds like you, then check the details.
Good vs Better vs Best vs ZEN: the plans side by side
Each higher plan adds something to the one below, and you stay with the account you already use. 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. Cash works on every plan too: you can withdraw it at ATMs and deposit it into your account. On the Good plan, each cash withdrawal and deposit is charged. On the higher plans, you can withdraw cash at ATMs with no ZEN.COM fees and deposit cash, within your plan’s limits, which rise with the plan.
| Plan | Price | Who it’s for | What you get |
|---|---|---|---|
| Good | 0 EUR/month | People who want a free account for occasional payments | A multicurrency account (one account to hold and exchange many currencies) with a free virtual card on your phone (payments in 35 currencies, also with Google Pay and Apple Pay), free currency exchange on weekdays up to 1,000 EUR, limited cashback (50% on each purchase covered by the offer, up to 250 EUR a day) and one free claim a year with Shopping Protection (ZEN Care) |
| Better | 2.99 EUR/month | People who do everyday shopping and want part of their spending back | Everything in the Good plan, plus Best Price Cover, Extended Warranty, Reward Zone, Unlimited Shopping Protection, ATM Anti-Theft, unlimited cashback (100% on each purchase covered by the offer, up to 250 EUR a day) and Flight Claim Assistant |
| Best | 6.99 EUR/month | People with a trip planned who want it protected from booking | Everything in the Better plan at higher limits, plus Travel and Baggage Delay Cover, Travel Cancellation Cover, Event Ticket Cover, Airline Failure Assistant, Travel Agency Failure Assistant and Personal Liability Cover for Travel |
| ZEN | 16.99 EUR/month | Frequent travellers who want the highest limits and premium support | Everything in the Best plan at higher limits, plus an automatic Flight Delay Lounge Pass when a flight is more than 3 hours late, Flight Live Assistant, Rental Car Excess, premium 24/7 support, cover for cutting a trip short within Travel Cancellation Cover and the option to order a metal card* |
Limits at a glance. The most you can claim for each benefit, by plan.
| Benefit | Better | Best | ZEN |
|---|---|---|---|
| Best Price Cover | Up to 100 EUR | Up to 250 EUR | Up to 500 EUR |
| Extended Warranty | Up to 1,500 EUR | Up to 5,000 EUR | Up to 5,000 EUR |
| ATM Anti-Theft | Up to 100 EUR | Up to 250 EUR | Up to 500 EUR |
| Travel and Baggage Delay Cover | No | Up to 400 EUR | Up to 1,000 EUR |
| Travel Cancellation Cover | No | Up to 2,500 EUR | Up to 5,000 EUR |
| Flight Claim Assistant | Up to 600 EUR per passenger, depending on flight distance | Same as Better | Same as Better |
| Event Ticket Cover | No | Up to 250 EUR | Up to 500 EUR |
| Rental Car Excess | No | No | Up to 30,000 EUR |
| Personal Liability Cover for Travel | No | Up to 1,000,000 EUR | Up to 1,500,000 EUR |
“No” means it isn’t included in that plan.
The Good plan: a free account that still rewards you
You make occasional payments and travel once in a while, and you want 35 currencies in one account with no monthly fee. The Good plan is a multicurrency account with a free virtual card, available on your phone. You can pay with it in 35 currencies without fees, also with Google Pay and Apple Pay, and exchange currencies for free on weekdays up to 1,000 EUR. It includes limited cashback (50% on each purchase covered by the offer, up to 250 EUR a day) and one free Shopping Protection claim a year.
It’s worth moving up when Best Price Cover and unlimited Shopping Protection (ZEN Care) start to pay off.
The Better plan: everyday shopping that pays you back
In this plan: unlimited cashback, Best Price Cover, ATM Anti-Theft and Reward Zone.
You do everyday shopping, in store and online, and you’d like part of what you spend to come back. Even better if a purchase stays protected after you’ve paid.
The Better plan gives you unlimited cashback (100% on each purchase covered by the offer, up to 250 EUR a day) at 1,000+ partner stores: tap the offer link in the app and pay with your ZEN Card. You also get 35 currencies in one account at the best rates.
Reward Zone works a little differently. If you have access to it, you earn rewards on every payment you make with your ZEN Card, and you decide whether it’s included when you order the card. You exchange the rewards for cash, which goes straight to your ZEN account.
Found it cheaper after you paid? Best Price Cover lets you claim back the difference on an eligible in-store purchase. When an order goes wrong, we’ve got your back with unlimited Shopping Protection (ZEN Care). Extended Warranty for electronics and household appliances adds another 12 months of cover once the manufacturer’s warranty ends. Register your item in the app first: select it in your Transaction history.
With ATM Anti-Theft, taking out cash should feel safe: if you’re mugged and hurt shortly after using an ATM, you can get the cash back, up to the limit in the terms.
Flight Claim Assistant works on delayed or cancelled flights: our partner automatically spots when one qualifies for compensation and handles the claim for you, paying you directly. Flying? Add your flight in the Flight+ tab and we’ll start protecting your trip.
All of this comes with the card you already pay with every day. It’s worth moving up when you start planning trips and want them protected from the moment you book.
The Best plan: travel protected from booking to landing
In this plan: everything in Better, plus travel insurance for trip cancellation, travel and baggage delays, and more.
You have a trip in your calendar and want it protected from the moment you book. If plans change, a flight is delayed or your baggage is late, you’d like help with the costs.
The Best plan protects you whether you take one trip a year or several. Everything from the Better plan carries over, just with higher limits. On top of that come new travel protections, covering trips paid for with your ZEN Card, so there’s no separate travel insurance to buy before each trip. Just add your flight in the Flight+ tab to get started.
Travel Cancellation Cover lets you claim back what you can’t get refunded elsewhere when an eligible reason means you have to cancel a trip before you leave. When travel doesn’t go to plan, Travel and Baggage Delay Cover helps with the cost of waiting: meals, refreshment and a hotel. If your baggage is late, you can claim back essentials.
Travel knowing an accident is covered. If you accidentally hurt someone or damage their property while travelling and you’re held responsible, Personal Liability Cover for Travel helps with the costs. And if the airline or travel agency you paid stops operating, Airline Failure Assistant and Travel Agency Failure Assistant can help too.
The plan also includes Event Ticket Cover, which helps you claim back the cost of tickets for an event such as a concert, match or show that you can’t attend, for example because of illness, a family or home emergency or travel disruption. That makes the Best plan useful beyond trips. Day to day, you keep your 35 currencies and best rates, plus ATM withdrawals with no ZEN.COM fees, up to your plan’s limit.
The ZEN plan: the complete premium experience
In this plan: everything in Best, plus the highest limits, a lounge pass for delayed flights and premium 24/7 support.
You fly often, with connections that leave little room for delays, and you want the most from every trip. When plans go wrong, you’d like to hear about changes early and have help close at hand. The ZEN plan keeps your 35 currencies and best rates and gives you the highest limits from the start, so you rarely need to check whether they’ll be enough for a particular trip. The difference shows most when a trip gets complicated.
On a long-haul flight with a short connection, one delay at the start can mean many hours of waiting at the airport. Flight Live Assistant means no more checking the airport departure board: it monitors your flight from 48 hours before departure and sends automatic updates on the departure time, terminal and gate. If your departure time changes, you can find out early enough to rebook the next leg yourself, before a queue forms at the airline desk.
If a flight is more than 3 hours late, you get an automatic Flight Delay Lounge Pass, so you can wait in comfort, at no extra cost and with no claim to file. Flying? Add your flight in the Flight+ tab and we’ll start protecting your trip.
Have to cut a trip short for an eligible reason? On the ZEN plan, Travel Cancellation Cover also lets you claim back the cost of your return ticket plus an amount for each unused day, up to the limit in the terms. On the Best plan, it covers cancelling a trip before you leave. You need to have booked the return ticket before you leave. Rental Car Excess helps you claim back the excess, the amount you’d pay out of your own pocket if a rental car is damaged or stolen, whether you rent at home or abroad. You also get premium 24/7 support and the option to order a metal card*.
Which plan is right for you?
You make occasional payments and want a free account? The Good plan.
You do everyday shopping and want part of your spending to come back? The Better plan.
You have a trip in your calendar and want it protected from booking? The Best plan.
You want the highest limits and premium support? The ZEN plan.
For the full list of features, limits and terms, see the shopping and travel articles below.
You can always check the current prices, limits and terms of each plan 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.
* The ZEN Premium metal card will be available soon.
Still deciding? Start with the Good plan. You can move up to a higher plan when one starts to fit your spending better.
