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Send money that arrives in minutes

Download the ZEN.COM app and send money instantly.

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Send money to a debit card instantly Transfer funds to any Mastercard or Visa debit card in 70+ countries. Most transfers arrive within minutes.

70+ countries supported

Minutes - typical arrival time

24/7 transfers available

No IBAN - just the card number

Why ZEN.COM

Why ZEN.COM

Your fast way to send money
to a debit card

Your fast way to send money to a debit card

Send money online using a debit card for everyday needs.
Support family abroad, pay for services, or move funds between accounts – without the wait.

Send money online using a debit card for everyday needs.
Support family abroad, pay for services, or move funds between accounts – without the wait.

INSTANT TRANSFERS

INSTANT TRANSFERS
Send money to a Mastercard or Visa debit card instantly within the EEA. Most transfers arrive in minutes. Outside the EEA, delivery can take up to 5 working days depending on the recipient's bank.

NO INTERMEDIARY BANKS

NO INTERMEDIARY BANKS
Send money directly to a debit card, skipping the usual bank transfer process. Fewer steps means faster delivery and lower fees.

NO IBAN REQUIRED

NO IBAN REQUIRED
You don't need a bank account number. Send money to a debit card using only the recipient's card number and name. That's all.

SECURE AND REGULATED

SECURE AND REGULATED
ZEN.COM is a licensed e-money institution. Your funds are protected by regulation. Every transfer is processed through verified payment networks.

GLOBAL REACH

GLOBAL REACH
Send money to a debit card in 70+ countries and territories across Europe, the Americas, Africa, and Asia. Mastercard Send, Visa Direct, and PrivatMoney supported.

NO CONVERSION SUPRISES

NO CONVERSION SUPRISES
ZEN.COM is a licensed e-money institution. Your funds are protected by regulation. Every transfer is processed through verified payment networks.
How it works

Send money to a debit card in three steps

You only need the recipient's name and debit card number.
No bank account, no IBAN, no waiting.

Step 1

Open your Wallet

Open your Wallet

In the ZEN.COM app, go to "Wallet" and choose the currency you want to send

You only need the recipient's name and debit card number.No bank account, no IBAN, no waiting.

Step 2

Select transfer to card

Select transfer to card

Tap "Transfer", then select "Transfer to card". Enter the recipient's card number, name, and the amount.

Tap "Transfer", then select "Transfer to card". Enter the recipient's card number, name, and the amount.

Step 3

Confirm and send

Confirm and send

Review the amount and fee. Confirm the transfer. Funds are sent in the selected currency, without conversion.

Review the amount and fee. Confirm the transfer. Funds are sent in the selected currency, without conversion.

Open your Wallet
Select transfer to card
Confirm and send
Fees

Clear fees. No hidden charges.

See the cost before you send money to a debit card with ZEN.COM. No extra fees added later.

Fees

Clear fees. No hidden charges.

See the cost before you send money to a debit card with ZEN.COM. No extra fees added later.

All fees shown before confirmation
Outgoing transfer from ZEN.COM to Mastercard or Visa card
Outgoing transfer to card – Mastercard Send / Visa Direct
1%
1%
Outgoing transfer from ZEN.COM via PrivatMoney
Outgoing transfer via PrivatMoney
1%
1%
Incoming transfer to ZEN card
All fees shown before confirmation
3%
3%
Coverage

Send money to debit cards in 70+ countries

Coverage

Send money to debit cards in 70+ countries

Send money to debit cards in 70+ countries

ZEN.COM supports transfers across Europe, the Americas, Africa, and Asia.

Supported countries: Austria, Belgium, Bosnia & Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, Australia, Singapore, Bahamas, Cayman Islands, Chile*, Colombia, Curaçao, Dominican Republic, Ecuador, El Salvador, Guatemala, Guyana, Honduras, Jamaica, Mexico, Panama, Paraguay, Peru, Suriname, Trinidad & Tobago, Uruguay, Angola, Azerbaijan, Democratic Republic of the Congo, Georgia, Ghana, Kazakhstan, Moldova, South Africa, Tanzania, Turkey, Zimbabwe, Canada*, United States*, Ukraine.

* Available only for Mastercard cards (Chile, Canada, United States)

Supported currencies: AUD, CAD, CZK, EUR, GBP, HUF, PLN, RON, SEK, USD.

Frequently Asked Questions

  • How do I send money to a debit card online?
    Open the ZEN.COM app, go to "Wallet", choose your currency, tap "Transfer", then select "Transfer to card". Enter the recipient's card number, name, and the amount. Review the fee and confirm. Money is sent in the selected currency, without conversion.

  • How long does it take to send money to a debit card?
    Most transfers within the EEA arrive within minutes. For transfers outside the EEA, delivery can take up to 5 working days depending on the recipient's bank.

  • Do I need the recipient's IBAN or bank account number?
    No. To send money to a debit card, you only need the recipient's card number and name. No IBAN or bank account details are required.

  • Which cards can I send money to?
    You can send money to any Mastercard or Visa debit card in supported countries and currencies.

  • What is the fastest way to send money with a debit card?
    Within the EEA, transfers via Mastercard Send or Visa Direct typically arrive within minutes. This is one of the fastest ways to send money to a debit card online – no bank transfer delays, no intermediaries.

  • Can I send money to a debit card without a ZEN.COM account?
    A ZEN.COM account is required to send transfers. Opening an account takes a few minutes in the app – you need a valid ID and your mobile phone. Download the ZEN.COM app from the App Store, Google Play Store, or AppGallery.
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SEE FOR YOURSELF

Your money moves when you need it to

Open a ZEN.COM account in minutes. Send money to a debit card instantly, 24/7, in 70+ countries.
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