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ZEN debit card with multi-currency feature

ZEN debit card with purchase protection.

Does your bank require two transactions a month to keep the card free? The ZEN card is free with no conditions. No requirements. No hidden fees.

The ZEN debit card is free with no conditions
ZEN Care protects your purchases
Cashback is credited instantly to your ZEN account

What is a debit card?

A debit card lets you use the money available in your ZEN account. You can pay in shops, online, or withdraw cash from an ATM. Exactly what you have. Every transaction reduces your balance immediately. If there isn't enough money, the payment won't go through. It's an honest and transparent way to manage your everyday finances.

Open a ZEN account

How does a debit card work?

How a debit card works and what you gain by choosing the ZEN card

Linked to your account

You only pay with the money you have in your ZEN account. No debt. You're in control of every penny.

Pay and stay in control

Every payment with the ZEN card is immediately visible in the ZEN.COM app. You always know how much you have and how much you've spent.

Access to cash when you need it

The ZEN card works at ATMs in the UK and abroad.

Online shopping with the ZEN card

Pay with the ZEN card in online shops. Simply enter the card number and the other card details.

Contactless payment

The ZEN card supports contactless payments. Hold it to the terminal and you're done. No cash, no contact.

Why choose the ZEN debit card?

Licensed payment institution. The ZEN card is free, multi-currency, and includes purchase protection.

The ZEN debit card is free with no conditions

Does your bank require a minimum transaction amount to keep the card free? The ZEN card is free with no conditions. No requirements. No hidden fees.

Compare ZEN with other cards

Free ATMs with the Pro plan.

With the Pro plan, you can withdraw up to 800 EUR a month from ATMs at no extra charge. In the UK and abroad.

Cashback credited to your card. Instantly.

Choose from over 500 shops available in the ZEN.COM app. Pay with the ZEN card and receive your Instant Cashback straight away. No codes, no commission.

Built-in multi-currency feature

The ZEN card works in over 180 countries and supports 35 currencies. Zero commission on currency conversions. We'll exchange your money to the local currency at the ZEN rate.

Choose your ZEN card

Connects with your phone and smartwatch

Use contactless payments. Add the ZEN card to Google Pay, Apple Pay, Xiaomi Pay or Garmin Pay and pay with your phone or watch.

ZEN Care Shopping Protection

A subscription fee charged twice? Let us know and we'll sort it out. Someone used your card details? Tell us and we'll help.

Debit card vs credit card

Which is better: a credit card or a debit card? What's the difference? How do you tell them apart?

DEBIT CARD

You use your own money in your account.

You spend only what you have. If there isn't enough money, the payment won't go through.

With ZEN: available immediately after registering in the ZEN.COM app and verifying your identity.

Not reported to the credit bureau. Has no impact on your credit rating.

CREDIT CARD

You use the bank's money, up to the agreed credit limit.

You can pay even without money in your account. It's a form of short-term borrowing.

Requires an application and a positive credit assessment.

Every transaction and repayment is reported to the credit bureau. Regular repayments can build a positive credit history.

DEBIT CARD

CREDIT CARD

Source of money

You use your own money in your account.

You use the bank's money, up to the agreed credit limit.

Availability of money

You spend only what you have. If there isn't enough money, the payment won't go through.

You can pay even without money in your account. It's a form of short-term borrowing.

How you get it

With ZEN: available immediately after registering in the ZEN.COM app and verifying your identity.

Requires an application and a positive credit assessment.

Impact on credit history

Not reported to the credit bureau. Has no impact on your credit rating.

Every transaction and repayment is reported to the credit bureau. Regular repayments can build a positive credit history.

Open a ZEN account

ZEN debit card types

Download the ZEN.COM app and open an account. During registration, choose the ZEN debit card that suits your needs. The virtual card is available immediately after registration.

Need a physical card? Order it easily in the 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 up to 2 years of Extended Warranty.

Choose your ZEN card easily in the 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 up to 2 years of Extended Warranty.

KROK 1

Download the ZEN.

KROK 2

Open the account with a selfie.

Confirm your identity.

KROK 3

The virtual ZEN card is available immediately after registration.

You can order the physical card in the ZEN.COM app.

KROK 1

Download the ZEN.

KROK 2

Open the account with a selfie.

Confirm your identity.

KROK 3

The virtual ZEN card is available immediately after registration.

You can order the physical card in the ZEN.COM app.

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!

Shopping tools

Zenefits

Available on:

Multi-currency tools

Money transfers

Cash

Travel solutions

Travel benefits

Safe travels

Features

Partners

Crypto

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Zamów Kartę ZENw aplikacji.

Download ZEN.COM app

ZEN debit card with multi-currency feature

ZEN debit card with purchase protection.

What is a debit card?

How does a debit card work?

How does a debit card work?

Linked to your account

Pay and stay in control

Access to cash when you need it

Online shopping with the ZEN card

Contactless payment

Why choose the ZEN debit card?

The ZEN debit card is free with no conditions

Free ATMs with the Pro plan.

Cashback credited to your card. Instantly.

Built-in multi-currency feature

Connects with your phone and smartwatch

ZEN Care Shopping Protection

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 up to 2 years of Extended Warranty.

ZEN card

ZEN PRO card

Download the ZEN.

Open the account with a selfie.

The virtual ZEN card is available immediately after registration.

Download the ZEN.

Open the account with a selfie.

The virtual ZEN card is available immediately after registration.

Scan the code and download the ZEN.COM app

Zamów Kartę ZEN
w aplikacji.

Download ZEN.COM app