ZEN enables transfers to be made both between ZEN customer accounts and to other institutions.

External transfers are made via SEPA or SWIFT.

SEPA enables funds to be sent in euros to institutions in the EEA. However, SWIFT enables transfers to be made anywhere in the world in all currencies.

ZEN will choose the best option for you on the basis of the recipient’s details that you enter.

The transfer amount received by the recipient may be lower than the amount sent in the case of SWIFT transfers sent to a country from outside the EU.

ZEN splits the fees related to making the transfer between the payer and the beneficiary of the transfer. The costs you, as the payer, incur are, for example, the fees for the type of transaction and its execution. Additionally, intermediary banks may deduct fees from the amount that the recipient finally receives.

In the case of SEPA and SWIFT transfers, incoming transfers are booked continuously until 5 p.m. on business days (i.e. from Monday to Friday, except holidays).

The waiting time may vary according to the type of transfer instructed. A SEPA transfer is usually made on the next business day. The execution time of a SWIFT transfer can vary, depending on the bank from which it was sent. It is usually 1-3 working days.  

The fastest transfer option is a transfer from the payer’s ZEN account to the recipient’s ZEN account. It is fulfilled in real time.

The waiting time may vary according to the type of transfer instructed.

SEPA and SWIFT transfers are performed at ZEN on the next business day.

The fastest transfer option is a transfer from the payer’s ZEN account to the recipient’s ZEN account. It is fulfilled in real time.

You can top up your ZEN account by transfer in all 30 currencies that are visible on your account.