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A multi-currency card is one card that works in many currencies – without the need for currency conversion and without any worries. Linked to accounts in different currencies, it automatically recognises which currency you're paying in and draws funds from the appropriate account. And if a currency runs low – the system converts available funds at the best rate. Everything happens quietly, in the background.
TRY ZEN CARD FOR FREEFind out what a multi-currency card is for and what you gain by choosing the ZEN Card.
You have accounts linked in different currencies – the system automatically selects the right source of funds depending on the transaction.
Paying in euros, dollars or pounds – don't worry about the rate. Funds are drawn directly from the appropriate account.
Manage your currency accounts yourself, exchange when needed. Convenient, always – regardless of time zone.
Why waste time exchanging cash at a bureau de change? Withdraw cash on the spot, after you arrive.
Find out how the ZEN multi-currency card simplifies payments in different currencies – with no hidden costs.
What to choose: a multi-currency card or a currency card? What are the differences? How do they work?
Supports multiple currencies at once – e.g. PLN, EUR, USD, GBP and more. All on one card.
Automatically recognises the transaction currency and draws funds from the appropriate currency account – no manual switching required.
No conversion fees within supported currencies. Exchange rates are usually favourable and known in advance.
One card covers all of Europe and the world – ideal for travellers or those shopping in multiple currencies.
Supports only one specific currency – e.g. EUR or USD. You need a separate card for each currency.
You pay only in the assigned currency. If you try to pay in another – conversions and fees may apply.
No fees only for the one assigned currency. Transactions in other currencies may incur additional costs.
Works well if you frequently pay in one specific currency (e.g. euro). Less flexible than a multi-currency card.
Supports multiple currencies at once – e.g. PLN, EUR, USD, GBP and more. All on one card.
Supports only one specific currency – e.g. EUR or USD. You need a separate card for each currency.
Automatically recognises the transaction currency and draws funds from the appropriate currency account – no manual switching required.
You pay only in the assigned currency. If you try to pay in another – conversions and fees may apply.
No conversion fees within supported currencies. Exchange rates are usually favourable and known in advance.
No fees only for the one assigned currency. Transactions in other currencies may incur additional costs.
One card covers all of Europe and the world – ideal for travellers or those shopping in multiple currencies.
Works well if you frequently pay in one specific currency (e.g. euro). Less flexible than a multi-currency card.
Usually available in modern fintech apps – no complicated formalities.
Most often issued by traditional banks – requires a currency account.
Download the ZEN.COM app and open an account. During registration, choose the ZEN Multi-Currency Card that suits your needs. Your chosen virtual card will be available immediately after logging in.
You can easily choose your ZEN Card in the app.
Choose this if you plan to withdraw cash without conversion in your home country.
Choose this if you plan to shop and withdraw cash in multiple countries.
Open an account with a selfie. Provide your details and verify your identity.
Open an account with a selfie. Provide your details and verify your identity.
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