Open your Wallet
Open your Wallet
In the ZEN.COM app, go to "Wallet" and choose the currency you want to send
You only need the recipient's name and debit card number. No bank account, no IBAN, no waiting.
70+ countries supported
Minutes - typical arrival time
24/7 transfers available
No IBAN - just the card number
How it works
Send money to a debit card in three steps
You only need the recipient's name and debit card number. No bank account, no IBAN, no waiting.
Select transfer to card
Select transfer to card
Tap "Transfer", then select "Transfer to card". Enter the recipient's card number, name, and the amount.
Tap "Transfer", then select "Transfer to card". Enter the recipient's card number, name, and the amount.
Confirm and send
Confirm and send
Review the amount and fee. Confirm the transfer. Funds are sent in the selected currency, without conversion.
Review the amount and fee. Confirm the transfer. Funds are sent in the selected currency, without conversion.
Fees
Clear fees. No hidden charges.
See the cost before you send money to a debit card with ZEN.COM. No extra fees added later.
Fees
Clear fees. No hidden charges.
See the cost before you send money to a debit card with ZEN.COM. No extra fees added later.
Outgoing transfer from ZEN.COM to Mastercard or Visa card
Outgoing transfer to card – Mastercard Send / Visa Direct
1%
1%
Outgoing transfer from ZEN.COM via PrivatMoney
Outgoing transfer via PrivatMoney
1%
1%
Incoming transfer to ZEN card
All fees shown before confirmation
3%
3%
Coverage
Send money to debit cards in 70+ countries
Coverage
Send money to debit cards in 70+ countries
Send money to debit cards in 70+ countries
ZEN.COM supports transfers across Europe, the Americas, Africa, and Asia.
Frequently Asked Questions
-
What information do I need to send money to a debit card online?
To send money to a debit card, you only need:
* the 16-digit card number
* the recipient’s first and last name You don’t need addresses, SWIFT codes, or bank details. -
Is there a limit when I send money to a debit card instantly?
Limits depend on the card type. Consumer and commercial cards may have different limits. The rules may also differ for transfers to your own card and to another person. You can find the exact limits in the ZEN.COM Help Center. -
How to receive money with a debit card if I only have a virtual one?
You can receive transfers even if you only use a virtual card.
1. Open the ZEN.COM app and go to Cards.
2. Select your virtual ZEN Card.
3. Copy the card number.
Share the card number and your name with the sender. Important: Never share the card expiration date or CVC/CVV code. -
What should I check before I send money to a debit card?
Before sending the transfer:
1. Check if the 16-digit card number is correct.
2. Make sure the recipient’s name matches the name on the card.
3. Review the transfer summary in the ZEN.COM app to see the delivery time and fees. -
How to send money to debit card recipients who don't use ZEN?
Yes. You can send money to debit cards issued by other banks. 1. Open the ZEN.COM app.
2. Go to Wallet → choose currency → Transfer → Transfer to card.
3. Enter the recipient’s card number, name, and transfer amount.
4. Review the summary with fees and tap Send. -
Can I send money to a debit card without a ZEN.COM account?
A ZEN.COM account is required to send transfers. Opening an account takes a few minutes in the app – you need a valid ID and your mobile phone. Download the ZEN.COM app from the App Store, Google Play Store, or AppGallery.
SEE FOR YOURSELF
Your money moves when you need it to
Open a ZEN.COM account in minutes. Send money to a debit card instantly, 24/7, in 70+ countries.
