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PAY BETTER
Pay in 35 currencies with one ZEN Card at the best exchange rates, send money worldwide and take out cash for free.
One account. ONE CARD. one app.
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2M+ users
Here’s how far your ZEN account can go.
Limits depend on your plan. Conditions apply. External partners may charge their own fees.
HOW TO PAY BETTER
From tapping your phone at a café abroad to freezing a lost card, it all happens in the app.
SAVE MORE
Add and take out cash, exchange money and send euros with no fee from ZEN, up to your plan’s allowance.
Pay better as you go
From splitting a bill to living between countries, one ZEN account keeps up, with no extra apps to juggle.
Settle up on the spot: scan your friend's code in the app, so no one has to chase the money.
Get money from abroad into your ZEN account and keep it in any of 35 currencies until you need it.
All you need is their phone number. It's free and arrives instantly with ZEN Buddies.
Pay in the local currency and see exactly what you paid in the app, so nothing surprises you later.
see how the benefits compare
Every plan comes with a multicurrency account and card. Higher plans add more fee-free exchange, ATM cash and free transfers.
Your plan:
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Your plan:
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Keep multiple currencies in one place Hold and manage money in 35 currencies in your ZEN account. Exchange between them in the app when you need to.
One card for your currencies Use your ZEN Card to pay at home and abroad from your balances in supported currencies.
Send money worldwide Send any currency to bank accounts worldwide via SWIFT.
Deposit cash at Ria locations Add cash to your ZEN account at Ria Money Transfer locations across Europe.
Convert at best rates Exchange between 35 currencies in the app, anytime.
Free ATM Withdrawals Withdraw cash monthly without extra fees
Send euros across Europe Transfer euros to bank accounts. Instant arrives in seconds. Standard arrives in 1 business day. Each transfer beyond your plan costs 0.25 EUR.
Know when your card is used Get an instant notification when you pay with your ZEN Card, so you can keep track of your spending.
Pause your card anytime Freeze your ZEN Card in the app if you can’t find it, then unfreeze it when it’s back with you.
Tap to pay with your phone Add your cards to your phone and tap to pay.
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It depends on your plan. On weekdays, you can exchange up to €1,000 a month with no fee on the Good plan and up to €3,000 on the Better plan. On the Best and ZEN plans, weekday exchange has no fee and no limit. On Saturdays and Sundays, an extra 0.40% fee applies on every plan except the ZEN plan.
Yes, on the Better, Best and ZEN plans. You can take out up to €200 a month with no fee on the Better plan, €400 on the Best plan and €800 on the ZEN plan. Above your allowance, and on the Good plan, a 1.75% fee applies per withdrawal.
Freeze it in the ZEN.COM app straight away. You can keep paying with your virtual card on your phone and order a new physical card in the app.
You can hold and pay in 35 currencies with one ZEN account and card.
Yes. You can change your plan at any time in the ZEN.COM app.
Can’t find your answer? Visit the Help Center.
