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ZEN virtual card

Virtual card for secure online payments

Pay online without sharing your physical card details. Card available immediately after registration. No hidden fees.

Licensed financial institution. Your money is protected.
ZEN Care Shopping Protection with every card
Cashback credited to your ZEN account. Instantly.

What is a virtual card?

A virtual card is a digital version of a payment card. The card details are stored in the ZEN.COM app and always accessible. You can use them for online payments, mobile wallets and contactless payments with your phone or watch.

Open account

How does a virtual card work?

Find out what a virtual card is for and what you gain by choosing a ZEN card.

Always available, no plastic

It is a digital card in your phone. You do not need a physical version. All details are available in the ZEN.COM app.

Perfect for online shopping

Pay for purchases online just like with a regular card. Simply enter the card number, expiry date and CVV code.

Block or remove your card at any time

You can block the card, generate a new one or set a limit directly in the ZEN.COM app. Full control over payment security.

Works with mobile wallets

Add your card to Apple Pay, Google Pay, Garmin Pay or Xiaomi Pay and pay with your phone, watch or wristband. Fast and contactless.

Why choose the ZEN virtual card?

The ZEN virtual card differs from other digital cards with cashback, shopping protection and no hidden fees.

Ready to use in seconds

Open a ZEN account and use the card immediately. No waiting for a courier, no plastic. The ZEN virtual card is available in the ZEN.COM app straight after registration.

Compare cards

High level of security

You do not share physical card details, which reduces the risk of unauthorised transactions. You can block or remove any card at any time directly in the ZEN.COM app.

Card with ZEN Care protection

Charged twice for a subscription? Let us know and we will take care of it. Someone used your card details? Tell us and we will help. ZEN Care Shopping Protection covers eligible purchases made with a ZEN card.

Full visibility at any time

You have full visibility of your balance, transactions and limits. At any time, from the ZEN.COM app.

Choose card

Connects to your phone and smartwatch

Use secure contactless payments. Add your ZEN card to Google Pay, Apple Pay, Xiaomi Pay or Garmin Pay and pay the way that suits you.

Virtual card vs physical card

Which is better: virtual or physical card? What is the difference? How do you tell them apart?

VIRTUAL CARD

Has no physical equivalent. Exists only in digital form, visible in the ZEN.COM app.

Ideal for online shopping and contactless payments via phone or smartwatch, e.g. Google Pay or Apple Pay.

Lower risk of theft. It cannot be lost and the details can be quickly changed or deactivated.

Set up in seconds in the ZEN.COM app. No waiting for delivery and no plastic.

PHYSICAL CARD

A plastic card with a chip and magnetic strip. You can carry it in your wallet.

Works in physical shops, ATMs and offline terminals. Can be used for contactless and traditional payments.

Can be lost or stolen. It is worth setting limits and being able to block it quickly.

Ordered physically. Delivery may take a few days.

VIRTUAL CARD

PHYSICAL CARD

Form and medium

Has no physical equivalent. Exists only in digital form, visible in the ZEN.COM app.

A plastic card with a chip and magnetic strip. You can carry it in your wallet.

How to use

Ideal for online shopping and contactless payments via phone or smartwatch, e.g. Google Pay or Apple Pay.

Works in physical shops, ATMs and offline terminals. Can be used for contactless and traditional payments.

Security

Lower risk of theft. It cannot be lost and the details can be quickly changed or deactivated.

Can be lost or stolen. It is worth setting limits and being able to block it quickly.

Availability

Set up in seconds in the ZEN.COM app. No waiting for delivery and no plastic.

Ordered physically. Delivery may take a few days.

Purpose

Best for online payments, subscriptions and one-off transactions.

Suitable for everyday shopping and travel.

Open account

ZEN virtual card types

Download the ZEN.COM app and open an account. During registration, choose your ZEN virtual card. You can change it at any time from the ZEN.COM app.

Need a physical card? Order it in the ZEN.COM app.

ZEN card

Choose this if you plan to pay for subscriptions such as Netflix or Spotify.

ZEN PRO card

Choose this if you want to save on purchases and get 2 years of Extended Warranty on electronics.

Open account

You can choose your ZEN card directly in the ZEN.COM app. Card available immediately.

ZEN card

Choose this if you plan to pay for subscriptions such as Netflix or Spotify.

ZEN PRO card

Choose this if you want to save on purchases and get 2 years of Extended Warranty on electronics.

KROK 1

Download the ZEN.

KROK 2

Enter the required details and take a selfie.

Identity is verified within minutes.

KROK 3

The free ZEN virtual card is available immediately after logging in.

W trakcie rejestracji wybierz Kartę ZEN dopasowaną do Twoich potrzeb.

KROK 1

Download the ZEN.

KROK 2

Enter the required details and take a selfie.

Identity is verified within minutes.

KROK 3

The free ZEN virtual card is available immediately after logging in.

W trakcie rejestracji wybierz Kartę ZEN dopasowaną do Twoich potrzeb.

ORDER A ZEN CARD

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!

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Zamów Kartę ZENw aplikacji.

Download ZEN.COM app

ZEN virtual card

Virtual card for secure online payments

What is a virtual card?

How does a virtual card work?

How does a virtual card work?

Always available, no plastic

Perfect for online shopping

Block or remove your card at any time

Works with mobile wallets

Why choose the ZEN virtual card?

Ready to use in seconds

High level of security

Card with ZEN Care protection

Full visibility at any time

Connects to your phone and smartwatch

ZEN card

Choose this if you plan to pay for subscriptions such as Netflix or Spotify.

ZEN PRO card

Choose this if you want to save on purchases and get 2 years of Extended Warranty on electronics.

ZEN card

ZEN PRO card

Download the ZEN.

Enter the required details and take a selfie.

The free ZEN virtual card is available immediately after logging in.

Download the ZEN.

Enter the required details and take a selfie.

The free ZEN virtual card is available immediately after logging in.

Scan the code and download the ZEN.COM app

Zamów Kartę ZEN
w aplikacji.

Download ZEN.COM app