You tap your card and a confirmation appears on the screen. That’s usually the moment people stop thinking about the payment. With a ZEN Card, something more happens: part of your spending comes straight back to your ZEN account, and protection is already at work.
ZEN.COM benefits work at the moment of payment, right after it and long afterwards. You gain at every step.
Three moments after you pay
| When | What happens | On which plan |
|---|---|---|
| At the moment of payment | Automatic currency selection, instant notification | On every plan |
| Right after payment | Cashback on partner offers and Reward Zone | Cashback on every plan: limited (50%) on the Good plan, unlimited (100%) from the Better plan up, up to 250 EUR a day. Reward Zone from the Better plan up |
| Weeks or months later: when something goes wrong | Shopping Protection, Extended Warranty, Best Price Cover | Good plan: Shopping Protection with one free claim a year. From the Better plan up: all three, plus Unlimited Shopping Protection |
At the moment of payment
All you have to do is pay with your ZEN Card, and at that moment the card takes care of the rest. It picks the currency and exchanges your money at the best rates, so abroad you don’t have to work anything out in your head. The notification arrives straight away, so you know the payment went through.
Right after payment: part of your money comes back
Cashback is the simplest way to get part of your money back: before you buy, you tap an offer link in the ZEN.COM app and shop with one of our partners. You can get cashback at 1,000+ partner stores, in categories such as electronics, travel, fashion, sports, games and marketplaces. On every plan, you can get up to 250 EUR in cashback a day. On the Good plan, cashback is limited: you get 50% of the cashback on each purchase. On the Better, Best and ZEN plans it’s unlimited, so you get 100% of the cashback on each purchase.
Reward Zone works differently: if you have access to it (from the Better plan up), you earn rewards on every payment you make with your ZEN Card. You don’t tap an offer link. You decide whether the Reward Zone is included when you order your ZEN Card. You exchange the rewards for cash, which goes straight to your ZEN account.
Weeks or months later: when something goes wrong
If an order doesn’t arrive or turns out to be faulty, Shopping Protection is already there, and we step in to help you sort out the problem. On the Good plan that’s one free claim a year, and from the Better plan up the yearly limit goes away. If electronics you bought break down after the manufacturer’s warranty ends, from the Better plan up Extended Warranty takes over the protection and gives you another 12 months of cover.
Did you pay full price for a TV in a physical store and shortly afterwards see it cheaper somewhere else? Best Price Cover lets you claim back the difference once you file a claim in the app. It’s available from the Better plan.
What ties these three moments together
You pay with one card and can gain on your everyday purchases. Part of your spending comes back to you (cashback, Best Price Cover, Reward Zone), and when something goes wrong, you’re covered (Shopping Protection, Extended Warranty and travel protection on higher plans). It all starts with a single payment, and how much you get in the second and third moments depends on your plan.
What depends on your plan
On the Good plan, you get limited cashback (50% of the cashback on each purchase) and Shopping Protection with one free claim a year. Unlimited cashback (100% of the cashback on each purchase), the Reward Zone, Extended Warranty, Best Price Cover and Unlimited Shopping Protection are available from the Better plan up.
You can check current terms and limits in the ZEN.COM app. You don’t have to choose a plan right away.
What each plan gives you in these three moments is set out in the comparison of the GOOD, BETTER, BEST and ZEN plans.
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.
