Forget about exchange offices! At ZEN, the exchange rate is updated continuously so you can always benefit from the best offer, without any unnecessary financial losses. ZEN exchange rates are lower than the rates at other banks. You will see the current rate when exchanging currency.

You can benefit from ZEN if you are an adult (over 18 years old). You have to have a valid passport to be able to register.

If you come from a European Union country, or Norway, Iceland or Lichtenstein, you can also register with your personal ID card or residence permit. 

At ZEN, you can conduct transactions up to the amount of your balance. In the rare cases that it is negative, the difference will be covered with your next deposit. 

You can top up your ZEN account with Visa or Mastercard^® in any of the 30 currencies we support.

In order to fully benefit from ZEN’s services, your residential address must be in one of the countries listed below. These are:

Austria, Belgium, Bulgaria, Croatia, Cyprus, Denmark, Estonia, Finland, France, Greece, Guernsey, French Guiana, Guadeloupe, Spain, the Netherlands, Ireland, Iceland, Jersey, South Korea, Liechtenstein, Lithuania, Luxembourg, Latvia, Mayotte, Malta, Martinique, Monaco, Germany, Norway, New Zealand, Poland, Portugal, Czech Republic, South Africa, Réunion, Romania, Saint Martin (French part), Slovakia, Slovenia, Switzerland, Sweden, Hungary, Italy, Isle of Man, Åland Islands, United Kingdom.