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 phone number as your transfer destination.
Select phone number as your transfer destination.
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 for 3 days. 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 phone number as your transfer destination.
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
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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. -
How does the recipient receive the money?
If the recipient already has a ZEN.COM account, the money goes straight to their account in the currency you sent. If they don’t have an account yet, they’ll get a text message from us with a link to claim the transfer. They have 3 days to register. If they don’t, the transfer is canceled and the money returns to you. -
What are the limits for mobile phone transfers?
There are no set limits for mobile phone transfers with ZEN Buddies. Each transfer is still subject to standard verification checks. -
What phone number should I use?
If the recipient already has a ZEN.COM account, only they can return the transfer. If they don’t have an account yet, the transfer expires automatically after 3 days if it’s not claimed. You can also contact ZEN.COM Customer Support to cancel it sooner. You can learn more about canceling ZEN Buddies transfers in the ZEN.COM Help Center. -
Can I send money abroad to a phone number?
Yes. With ZEN Buddies you can send money to a phone number in any country where ZEN accounts are available.
Start sending money in seconds Start sending money in seconds
No ZEN account? No problem. The money waits for 3 days to collect it.
No ZEN account? No problem. The money waits for 3 days to collect it.