Open the ZEN.COM app, and go to Wallet from the bottom menu.
Open the ZEN.COM app, and go to Wallet from the bottom menu.
Then, tap "Transfer" and select ZEN Buddies as your transfer method.
Select ZEN Buddies as your transfer method.
as a message Send money as
easily as a message
Enter a ZEN.COM user's phone number and the money arrives in seconds. No bank details, no IBAN.
Enter a ZEN.COM user's phone number and the money arrives in seconds. No bank details, no IBAN.
Always for free
Arrives in seconds
ALWAYS FOR FREE
No fees on any ZEN Buddies transfer. Send money to any ZEN account without paying extra, regardless of the amount or how often you send.
ARRIVES IN SECONDS
You enter a phone number. The money leaves your account and arrives in the recipient's ZEN account in seconds. No manual confirmation is needed on their side.
NO BANK DETAILS NEEDED
You don't need the recipient's IBAN or account number. A phone number registered to a ZEN account is all you need to send money.
EVERY TRANSFER RECORDED
Every ZEN Buddies transfer appears in your transaction history the moment it's sent. You can see the recipient, amount, and timestamp in the ZEN.COM app.
SEND MONEY EVEN IF YOUR CONTACT ISN'T ON ZEN YET
You can send a ZEN Buddies transfer to someone who doesn't have ZEN.COM yet. The money waits for the recipient. There is no expiry. When the recipient is ready, they download the app, open a free account, and collect it.
How it works
Three steps to your first transfer
Download the ZEN.COM app and open your account. It takes under 5 minutes. Then follow these three steps to send money to any ZEN account user.
Enter the recipient's name and phone number, or select them from your contact list.
Enter the recipient's name and phone number, or select them from your contact list.
Review the recipient's details before confirming the transfer.
Then, tap "Transfer" and select ZEN Buddies as your transfer method.
Enter the amount and confirm.
Enter the amount and confirm
If they have a ZEN account, the money arrives in seconds. If not, it waits until they download the app, but no longer than 3 days.
If they have a ZEN account, the money arrives in seconds. If not, it waits until they download the app, but no longer than 3 days.
SPLITTING A BILL
Enter your friend's number and send your share in seconds. No cash or third-party apps needed.
SENDING MONEY ABROAD
ZEN Buddies works between ZEN.COM users across all supported countries. Enter your contact's phone number and the money arrives in seconds, no matter where they are.
PAYING SOMEONE BACK
ZEN Buddies transfers appear in your transaction history in seconds. You both have a clear record.
GETTING PAID BACK TOO
Send the money first. Your contact downloads ZEN.COM, opens a free account, and sends it back. Just a phone number, both ways.
Licensed institution
Licensed financial institution. Your money is regulated and protected.
Your money is protected
Secure transfers between verified ZEN accounts.
Available across Europe
Licensed financial institution operating globally. ZEN Buddies works between users in all supported countries.
Frequently Asked Questions
-
How long does a ZEN Buddies transfer take?
ZEN Buddies transfers arrive in seconds. The money leaves your account and appears in the recipient's
ZEN account almost immediately. -
How do I send money with ZEN Buddies?
Open the ZEN.COM app and tap "Send money". Select ZEN Buddies as your transfer method, enter the
recipient's phone number, enter the amount, and confirm. The transfer arrives in their account in seconds. -
Does the recipient need a ZEN account?
No. You can send a ZEN Buddies transfer to someone who doesn't have ZEN.COM yet. Their money waits
for them with no expiry. They download the ZEN.COM app, open a free account, and collect it when
they are ready. If they already have a ZEN account, the money arrives in seconds. -
What happens if the recipient doesn't have the app yet?
Their money is held securely until they download the ZEN.COM app and open a free account. There is no
expiry. The money waits for as long as they need. -
What phone number should I use?
Use the recipient's mobile phone number. If they already have a ZEN account, enter the number registered
to it. If they don't have the app yet, enter their mobile number and ZEN will hold the money for them until
they download the app and open a free account.
Start sending money in seconds Start sending money in seconds
No ZEN account? No problem. The money waits until you're ready to collect it.
No ZEN account? No problem. The money waits until you're ready to collect it.
