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Choose the plan that rewards your shopping, protects your travel
and gives you more every time you pay.
GOOD
A free accountthat still rewards you.
Free
Multi-currency made simple.35 currencies in one account.
You get:All basic benefits:
Most popular
BETTER
Everyday shoppingthat pays you back.
2.99 EUR per month
Average active user saves€35 a month on shopping.
You get: Everything in GOOD+ Enhanced shopping benefits:
BEST
Travel protectedfrom booking to landing.
6.99 EUR per month
5 travel protection benefits.Before, during & after your trip.
You get: Everything in BETTER+ Enhanced travel protection:
ZEN
First class banking.Without compromise.
16.99 EUR per month
The premium experience.€1.54 million+ protection.
You get: Everything in BEST+ Highest protection limits:
See exactly what you get at every level - from everyday payments to shopping, travel, and premium protection.
Your plan:
Pricing details · Comparison
Your plan:
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Keep multiple currencies in one place Hold and manage money in 35 currencies in your ZEN account. Exchange between them in the app when you need to.
Pay by card without a payment fee Use your ZEN Card in stores and online without a card payment fee from ZEN. Currency exchange fees may still apply.
One card for your currencies Use your ZEN Card to pay at home and abroad from your balances in supported currencies.
See where your money goes Check your payments and transfers in one place, with a clear view of your spending history.
Earn while you shop Shop with your ZEN Card at partner stores through the ZEN.COM app to earn cashback.
Shopping protection, handled Bought something faulty, wrong, or never delivered? We deal with the seller so you don't have to.
Earn on every purchase with Reward Zone Every eligible purchase brings you closer to rewards you can turn into cash.
Turn a ruined journey into money back If your flight's delayed, cancelled or you're denied boarding, we automatically spot when it qualifies for compensation and handle the claim for you, paying you directly.
If your travel agency fails, we help If your travel agency or tour operator goes bunkrupt or fails to deliver, we'll help you claim a chargeback for the amount paid with your ZEN Card.
If your airline fails, we help If your travel agency or tour operator goes bankrupt or doesn't provide the service, we'll help you get back what you paid with your ZEN Card.
Premium travel · available only in ZEN
Real-time flight updates 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.
A long delay shouldn't mean sitting on the floor by the gate. If your flight is more than 3 hours late, we'll automatically send you a lounge pass, so you can wait in comfort. No lounge at the airport? You'll get €30 for a proper meal instead.
Cards available with your plan See which Main and Special edition cards you can choose from. Available card types and designs depend on your plan.
Virtual cards that live in your app We add a virtual card to your account for online payments and wallet use. Each additional card costs a one-time fee of 4.99 EUR.
Your ZEN Card, delivered to you We mail you a multi-currency card for international payments. Each card beyond your plan costs a one-time fee of 9.99 EUR.
A precision-crafted card for everyday spending Order our premium physical metal ZEN Card for payments in stores and cash withdrawals at ATMs.
One card, local benefits in three countries Choose up to three countries where your Be Local Card works like a local card. This helps you avoid extra ATM fees charged specifically to foreign cards.
Card payments at no extra fee Pay with your ZEN Card in stores or online. ZEN doesn’t charge a card payment fee.
Tap to pay with your phone Add your cards to your phone and tap to pay.
Know when your card is used Get an instant notification when you pay with your ZEN Card, so you can keep track of your spending.
Convert at best rates Exchange between 35 currencies in the app, anytime.
DCC protection
Free ATM Withdrawals Withdraw cash monthly without extra fees
Extra ATM Withdrawals Get extra cash beyond your free limit
Deposit cash at Ria locations Add cash to your ZEN account at Ria Money Transfer locations across Europe.
Deposit cash across Europe Top up your account with cash at PaysafeCash points across several European countries. 1,000 EUR daily limit.
Change your card PIN at an ATM Update your ZEN Card PIN at a supported ATM when you need a new one.
Check your balance at an ATM See your ZEN Card balance at a supported ATM before you withdraw cash.
Receive EUR for free Receive EUR from anywhere in Europe in seconds with SEPA Instant, or within 1 business day with Standard.
Send euros across Europe Transfer euros to bank accounts. Instant arrives in seconds. Standard arrives in 1 business day. Each transfer beyond your plan costs 0.25 EUR.
Receive PLN, GBP, HUF and more Receive PLN, GBP, HUF and other local currencies to your ZEN account. Each incoming transfer beyond your plan costs 0.50 EUR.
Receive money from any Visa or Mastercard Receive money sent directly to your Visa or Mastercard from anywhere in the world. Usually arrives in minutes.
Send money to any Visa or Mastercard Transfer money to anyone, anywhere. No bank details needed – only your recipient's card number. Arrives in minutes.
Send money to cards outside the EEA Transfer money to a Visa or Mastercard outside the EEA using the recipient’s card number.
Send money worldwide Send any currency to bank accounts worldwide via SWIFT.
Receive money from any country Receive international bank transfers via SWIFT from supported countries.
Send money to Ukraine Send PLN, EUR, or USD to bank accounts or cards in Ukraine in about 15 minutes. Non-PrivatBank recipients receive funds in UAH.
Send money to a card in Ukraine Use PrivatMoney to send money to a card in Ukraine with the recipient’s card details.
Instant transfers between ZEN.COM users Send money instantly between ZEN accounts using bank details.
Settle up with a QR code Scan a friend’s QR code to send your share, or show yours to receive money. No need to type in account details.
Get help by email Write to our support team when you need help with your ZEN account.
Get help in the app Chat with our support team directly in the ZEN.COM app when you need help.
Pause your card anytime Freeze your ZEN Card in the app if you can’t find it, then unfreeze it when it’s back with you.
Extra security for online payments Verify eligible online card payments with 3D Secure to help keep your card safe.
Log in with a touch or glance Use your device’s fingerprint or face recognition to access the ZEN.COM app.
Get priority support Get priority help from our support team. We handle your request ahead of requests from users on lower plans.
Top up with your card Top up your ZEN account instantly with any Visa or Mastercard debit or credit card.
Top up from your digital wallet Top up instantly using a card saved in your phone or watch wallet.
Instant bank transfer
Top up with PayPal Top up from a PayPal account registered in the European Economic Area.
Top up with international PayPal Top up from a PayPal account registered outside the European Economic Area.
Top up with PaysafeCard Top up with a prepaid Paysafecard voucher bought in store.
Top up with Neteller Top up from your Neteller account.
Top up with Skrill Top up from your Skrill account.
Top up with Skrill Rapid Transfer Top up instantly from your bank via Skrill's Rapid Transfer service.
Top up with GCash Top up from your GCash mobile wallet. Available for users in the Philippines.
Compare Plans
Only one plan selected
You’ll see just this plan’s details, not a comparison.
Select the plan that rewards your shopping, protects your travel and gives you more — every time you pay.
GOOD
A free accountthat still rewards you.
Free
Multi-currency made simple.35 currencies in one account.
You get:All basic benefits:
Most popular
BETTER
Everyday shoppingthat pays you back.
2.99 EUR per month
Average active user saves€35 a month on shopping.
You get: Everything in GOOD+ Enhanced shopping benefits:
BEST
Travel protectedfrom booking to landing.
6.99 EUR per month
5 travel protection benefits.Before, during & after your trip.
You get: Everything in BETTER+ Enhanced travel protection:
ZEN
First class banking.Without compromise.
16.99 EUR per month
The premium experience.€1.54 million+ protection.
You get: Everything in BEST+ Highest protection limits:
See exactly what you get at every level -
from everyday payments to shopping, travel, and premium protection.
Keep multiple currencies in one place Hold and manage money in 35 currencies in your ZEN account. Exchange between them in the app when you need to.
Pay by card without a payment fee Use your ZEN Card in stores and online without a card payment fee from ZEN. Currency exchange fees may still apply.
One card for your currencies Use your ZEN Card to pay at home and abroad from your balances in supported currencies.
See where your money goes Check your payments and transfers in one place, with a clear view of your spending history.
Earn while you shop Shop with your ZEN Card at partner stores through the ZEN.COM app to earn cashback.
Shopping protection, handled Bought something faulty, wrong, or never delivered? We deal with the seller so you don't have to.
Earn on every purchase with Reward Zone Every eligible purchase brings you closer to rewards you can turn into cash.
Turn a ruined journey into money back If your flight's delayed, cancelled or you're denied boarding, we automatically spot when it qualifies for compensation and handle the claim for you, paying you directly.
If your travel agency fails, we help If your travel agency or tour operator goes bunkrupt or fails to deliver, we'll help you claim a chargeback for the amount paid with your ZEN Card.
If your airline fails, we help If your travel agency or tour operator goes bankrupt or doesn't provide the service, we'll help you get back what you paid with your ZEN Card.
Premium travel · available only in ZEN
Real-time flight updates 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.
A long delay shouldn't mean sitting on the floor by the gate. If your flight is more than 3 hours late, we'll automatically send you a lounge pass, so you can wait in comfort. No lounge at the airport? You'll get €30 for a proper meal instead.
Cards available with your plan See which Main and Special edition cards you can choose from. Available card types and designs depend on your plan.
Virtual cards that live in your app We add a virtual card to your account for online payments and wallet use. Each additional card costs a one-time fee of 4.99 EUR.
Your ZEN Card, delivered to you We mail you a multi-currency card for international payments. Each card beyond your plan costs a one-time fee of 9.99 EUR.
A precision-crafted card for everyday spending Order our premium physical metal ZEN Card for payments in stores and cash withdrawals at ATMs.
One card, local benefits in three countries Choose up to three countries where your Be Local Card works like a local card. This helps you avoid extra ATM fees charged specifically to foreign cards.
Card payments at no extra fee Pay with your ZEN Card in stores or online. ZEN doesn’t charge a card payment fee.
Tap to pay with your phone Add your cards to your phone and tap to pay.
Know when your card is used Get an instant notification when you pay with your ZEN Card, so you can keep track of your spending.
Convert at best rates Exchange between 35 currencies in the app, anytime.
DCC protection
Free ATM Withdrawals Withdraw cash monthly without extra fees
Extra ATM Withdrawals Get extra cash beyond your free limit
Deposit cash at Ria locations Add cash to your ZEN account at Ria Money Transfer locations across Europe.
Deposit cash across Europe Top up your account with cash at PaysafeCash points across several European countries. 1,000 EUR daily limit.
Change your card PIN at an ATM Update your ZEN Card PIN at a supported ATM when you need a new one.
Check your balance at an ATM See your ZEN Card balance at a supported ATM before you withdraw cash.
Receive EUR for free Receive EUR from anywhere in Europe in seconds with SEPA Instant, or within 1 business day with Standard.
Send euros across Europe Transfer euros to bank accounts. Instant arrives in seconds. Standard arrives in 1 business day. Each transfer beyond your plan costs 0.25 EUR.
Receive PLN, GBP, HUF and more Receive PLN, GBP, HUF and other local currencies to your ZEN account. Each incoming transfer beyond your plan costs 0.50 EUR.
Receive money from any Visa or Mastercard Receive money sent directly to your Visa or Mastercard from anywhere in the world. Usually arrives in minutes.
Send money to any Visa or Mastercard Transfer money to anyone, anywhere. No bank details needed – only your recipient's card number. Arrives in minutes.
Send money to cards outside the EEA Transfer money to a Visa or Mastercard outside the EEA using the recipient’s card number.
Send money worldwide Send any currency to bank accounts worldwide via SWIFT.
Receive money from any country Receive international bank transfers via SWIFT from supported countries.
Send money to Ukraine Send PLN, EUR, or USD to bank accounts or cards in Ukraine in about 15 minutes. Non-PrivatBank recipients receive funds in UAH.
Send money to a card in Ukraine Use PrivatMoney to send money to a card in Ukraine with the recipient’s card details.
Instant transfers between ZEN.COM users Send money instantly between ZEN accounts using bank details.
Settle up with a QR code Scan a friend’s QR code to send your share, or show yours to receive money. No need to type in account details.
Get help by email Write to our support team when you need help with your ZEN account.
Get help in the app Chat with our support team directly in the ZEN.COM app when you need help.
Pause your card anytime Freeze your ZEN Card in the app if you can’t find it, then unfreeze it when it’s back with you.
Extra security for online payments Verify eligible online card payments with 3D Secure to help keep your card safe.
Log in with a touch or glance Use your device’s fingerprint or face recognition to access the ZEN.COM app.
Get priority support Get priority help from our support team. We handle your request ahead of requests from users on lower plans.
Top up with your card Top up your ZEN account instantly with any Visa or Mastercard debit or credit card.
Top up from your digital wallet Top up instantly using a card saved in your phone or watch wallet.
Instant bank transfer
Top up with PayPal Top up from a PayPal account registered in the European Economic Area.
Top up with international PayPal Top up from a PayPal account registered outside the European Economic Area.
Top up with PaysafeCard Top up with a prepaid Paysafecard voucher bought in store.
Top up with Neteller Top up from your Neteller account.
Top up with Skrill Top up from your Skrill account.
Top up with Skrill Rapid Transfer Top up instantly from your bank via Skrill's Rapid Transfer service.
Top up with GCash Top up from your GCash mobile wallet. Available for users in the Philippines.
