What you get from every payment and how ZEN.COM plans differ
The higher the plan, the more you get from every payment.
Three ideas stand behind every ZEN Card payment: Pay Better, Get More and Worry Less. Each one comes with specific benefits, which we describe below and in separate articles.
Pay Better means paying easily with one card in 35 currencies, every day and when travelling: exchange at the best rates, domestic and international transfers, ATM withdrawals, fees stated upfront and a live view of your spending.
Get More is simple: shop every day, but with rewards like never before. Part of your spending comes back to you as cashback on online purchases covered by the offer, as the difference you claim back with Best Price Cover (a better price, even after you’ve paid – when you find the same product for less in another physical store) and as rewards from the Reward Zone that you can exchange for cash.
Worry Less means shopping and travelling with peace of mind. Travel far, shop safe: after you pay, we’ve got your back when something goes wrong. Shopping Protection steps in when there’s a problem with your order, and Extended Warranty protects your equipment for longer than the manufacturer’s warranty. The Best and ZEN plans add a full travel protection package.
Explore the four plans
The Good plan: 0 EUR/month. A free account that still rewards you.
The Good plan costs nothing, and the basics are included: one card for 35 currencies, the fees and plan limits you already know, limited cashback (50% of the cashback on each purchase, up to 250 EUR a day) and instant notifications about your payments.
The Better plan: 2.99 EUR/month. Everyday shopping that pays you back.
Cashback at 1,000+ partner stores and Best Price Cover. Cashback goes to your ZEN account, so you can spend it or put it aside.
You get everything from the Good plan, plus unlimited cashback (100% on each purchase) on your everyday shopping, up to 250 EUR a day on every plan. You get cashback on purchases from partners: tap the offer link in the ZEN.COM app and pay with your ZEN Card. With Best Price Cover, if you find a product bought in a physical store for less in another one, you can claim back the difference. Unlimited Shopping Protection steps in when an order doesn’t arrive or turns out to be faulty, and Extended Warranty gives you a longer warranty on electronics and household appliances. If your flight’s delayed or cancelled, Flight Claim Assistant spots when it qualifies for compensation and handles the claim for you. Flying? Add your flight in Flight+ and we’ll start protecting your trip.
Don’t have a ZEN account yet? You can try the Better plan free for 30 days.
The Best plan: 6.99 EUR/month. Travel protected from booking to landing.
Cover before you leave, during the trip and after you return. You also get one card for 35 currencies at the best rates and safe ATM withdrawals within the plan limit.
The Best plan includes everything from the Better plan, plus travel protection that works from the moment you book. Together with Flight Claim Assistant, which you already have on the Better plan, the Best plan gives you six travel protections. When travel doesn’t go to plan – a cancelled flight, a missed connection or baggage that arrives late – it doesn’t have to mean extra costs if it’s covered. We are rolling them out in stages, and the app shows you what’s already available in your country.
The ZEN plan: 16.99 EUR/month. The complete premium experience.
Everything from the other plans, with the highest limits.
The ZEN plan includes everything from the Best plan, plus premium 24/7 support (for when you need to reach a real person quickly) and the highest protection limits, including up to 1,500,000 EUR for Personal Liability Cover for Travel. It’s also the plan that lets you order a metal card*, for an extra fee. On trips you also get:
- Rental Car Excess – enjoy the drive, not the what-ifs. A damaged or stolen rental car can leave you paying the excess, the amount you’d have to pay the rental company. Get eligible excess costs reimbursed, whether you rent at home or abroad.
- Flight Live Assistant – no more checking the airport departure board. We monitor your flight from 48 hours before departure and send automatic updates on the departure time, terminal and gate.
- Flight Delay Lounge Pass – if your flight is more than 3 hours late, we’ll automatically send you a lounge pass, so you can wait in comfort.
Choose the ZEN plan.
Good, Better, Best or ZEN?
Good for the basics, Better for everyday shopping, Best for shopping and travel from start to finish, ZEN for those who want the full premium experience. Each plan includes everything the lower plan has.
Choose the plan that gets you more
If you’re not sure, start with the plan whose benefits you’ll use with your current spending. You can change your plan later. See all the details of each plan in the ZEN.COM 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.
