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TRAVEL PAYMENT CARD

Use 35 currencies in over 180 countries

Stop worrying about currency conversion fees in shops, restaurants and at ATMs. Travel freely with ZEN Travel Card, designed for payments abroad.

Free ATM withdrawals at home and abroad
Fully integrated with the ZEN.COM app
Travel issues? Get your money back

What is a travel payment card?

One card, multiple currencies – no conversion needed. The system automatically detects the transaction currency and charges the right account. If that currency runs low, the card converts what's available at a fair rate. Automatically, without the stress.

TRY ZEN CARD FOR FREE

How does a travel payment card work?

Find out what a travel payment card is for and what you get with ZEN Travel Card.

Works wherever you go

A card that works globally – whether you're in Asia, Europe or South America.

Pay like a local

The system detects the local currency and charges the right account. You pay locally, with no conversion fees.

Withdraw cash from ATMs worldwide

Why waste time at an exchange office? Withdraw cash on arrival, wherever you are.

Stay in control abroad

Lost your card? Block it instantly in the app. Quick and easy.

Manage currencies anytime

Plans changed mid-trip and you suddenly need a different currency? Move money between accounts whenever you like.

Why choose ZEN Travel Card?

See how ZEN Travel Card simplifies managing your money abroad – with no hidden costs.

Automatic currency matching

ZEN Travel Card works in over 180 countries and supports 35 currencies. No conversion fees when you pay in those currencies. We’ll exchange your money at a fair rate.

COMPARE ZEN WITH OTHER CARDS

Free ATMs at home and abroad

Join ZEN for free with ZEN Pro plan and withdraw up to 3 600 PLN from ATMs with no extra charges from ZEN.COM. Third-party ATM fees may apply.

Fully integrated with the ZEN.COM app

Manage your card from your phone – exchange currencies, move money between accounts, block your card if it's lost or stolen, and contact support in English. All available 24/7.

Extra protection when things go wrong

Hotel under renovation? Flight delayed? Unexpected charges? Request a refund. ZEN Care helps you resolve issues and get your money back.

CHOOSE YOUR ZEN CARD

Ready to use right away

Heading to the airport? No need to wait for a physical card. Your virtual ZEN Travel Card is available as soon as you register. Add it to Google, Apple, Xiaomi or Garmin Pay and use it in any currency.

ZEN travel payment card types

Download the ZEN.COM app and open an account. During registration, choose a ZEN Card that works best for you. Your virtual card will be ready as soon as you log in.

ZEN Travel Card

Choose this if you plan to withdraw cash without conversion during your travels.

ZEN PRO Card

Choose this if you plan to shop and get rewards for using your card.

You can easily choose your ZEN Card in the app.

ZEN Travel Card

Choose this if you plan to withdraw cash without conversion during your travels.

ZEN PRO Card

Choose this if you plan to shop and get rewards for using your card.

STEP 1

Download the ZEN.

STEP 2

Enter your details, take a selfie and verify your identity.

STEP 3

Your free virtual ZEN Travel Card is available as soon as you log in.

You can also order a physical card directly in the ZEN.COM app.

STEP 1

Download the ZEN.

STEP 2

Enter your details, take a selfie and verify your identity.

STEP 3

Your free virtual ZEN Travel Card is available as soon as you log in.

You can also order a physical card directly in the ZEN.COM app.

ORDER A ZEN CARD

Compare travel payment cards

Check how multi-currency debit card offers compare across other banks and ZEN.COM

Where?

What is the monthly fee for a multi-currency card?

Exchange of 10,000 PLN to EUR

ATM withdrawal abroad

ZEN.COM

0 PLN – unconditional

0 PLN

unconditional

2 353,17 EUR

0% – up to 800 EUR per month in the Pro plan

PEKAO SA

0 PLN – if monthly inflows are at least 500 PLN and you make at least 1 card or PeoPay transaction
4 PLN – if conditions are not met

2 265,06 EUR

Santander Bank

0 PLN – if you are over 26 and make a transaction of at least 300 PLN with BLIK or card
0 PLN – if you are under 26 and make 1 BLIK or card transaction
9 PLN – if conditions are not met

2 273,61 EUR

Millennium Bank

0 PLN – if you are over 26 and make 5 BLIK or card transactions
0 PLN – if you are under 26 and make 1 BLIK or card transaction
5 PLN – if conditions are not met and you are under 26
11 PLN – if conditions are not met and you are over 26

2 267,88 EUR

mBank

0 PLN – if you make transactions of at least 300 PLN
9 PLN – if conditions are not met

0,00 EUR

Alior Bank

0 PLN – if you make transactions of at least 300 PLN
6 PLN – if conditions are not met

2 249,31 EUR

ING Bank Polski

0 PLN – if you are over 26 and make transactions of at least 300 PLN
0 PLN – if you are under 26 and make transactions of at least 200 PLN
10 PLN – if conditions are not met

0,00 EUR

BNP Paribas

0 PLN – if you make at least 3 card transactions
0 PLN – if you are under 26
7 PLN – if conditions are not met

2 252,56 EUR

PKO PB

0 PLN – if you make at least 5 card transactions
10 PLN – if conditions are not met

2 355,99 EUR

SEE FOR YOURSELF

Scan the code and download the ZEN.COM app

We made opening a personal account as simple and fast as possible.
Download the app and see it for yourself!

Shopping tools

Zenefits

Available on:

Multi-currency tools

Money Transfers

Cash

Travel solutions

Travel benefits

Safe travels

Business finance

Receive

Send

Get a ZEN cardin the app.

Download ZEN.COM app

TRAVEL PAYMENT CARD

Use 35 currencies in over 180 countries

What is a travel payment card?

How does a travel payment card work?

How does a travel payment card work?

Works wherever you go

Pay like a local

Withdraw cash from ATMs worldwide

Stay in control abroad

Manage currencies anytime

Why choose ZEN Travel Card?

Automatic currency matching

Free ATMs at home and abroad

Fully integrated with the ZEN.COM app

Extra protection when things go wrong

Ready to use right away

ZEN Travel Card

Choose this if you plan to withdraw cash without conversion during your travels.

ZEN PRO Card

Choose this if you plan to shop and get rewards for using your card.

ZEN Travel Card

ZEN PRO Card

Download the ZEN.

Enter your details, take a selfie and verify your identity.

Your free virtual ZEN Travel Card is available as soon as you log in.

Download the ZEN.

Enter your details, take a selfie and verify your identity.

Your free virtual ZEN Travel Card is available as soon as you log in.

Scan the code and download the ZEN.COM app

Get a ZEN card
in the app.

Download ZEN.COM app