ZEN.COM, a global provider of payment and shopping solutions for individual and business customers, has expanded its multi-currency account from 28 to 35 available currencies. The decision is part of the company’s strategy to further scale its operations and at the same time reflects changing user behaviour, with travellers increasingly choosing destinations outside Europe – particularly during the winter holiday season.
Industry data shows that winter travel beyond Europe – especially to Asia and the Middle East – is among the fastest-growing travel segments for Polish tourists. This trend is driving a growing demand for convenient and predictable payments in local currencies.
Seven new local currencies added
ZEN.COM has added seven new local currencies to its offering: Bahraini dinar (BHD), Kuwaiti dinar (KWD), Omani rial (OMR), Vietnamese dong (VND), Malaysian ringgit (MYR), Philippine peso (PHP), and Indonesian rupiah (IDR). These currencies correspond to destinations that are increasingly popular among Polish travellers during the winter season, particularly in Asia and the Middle East.
From payments to full control over currency
Expanding the multi-currency account goes beyond enabling card payments abroad. ZEN.COM users can now hold funds in dedicated currency accounts, exchange currencies at a time of their choosing, and pay directly from the relevant local currency.
Previously, card payments in these countries involved automatic currency conversion. The new model enables more conscious currency management, allowing users to better control costs – especially during longer stays, multi-country trips, or frequent travel between destinations.
“Travel, especially during the winter holiday season, is when users feel exchange rate differences and currency conversion costs most acutely. Expanding the multi-currency account to 35 currencies allows users to pay directly in the local currency, without automatic conversions or unexpected costs. It’s a practical solution for people who increasingly travel beyond Europe,” says Łukasz Neska, Chief Growth Officer at ZEN.COM.
Transfers that are useful while travelling
Alongside the expanded multi-currency account, ZEN.COM has also introduced transfers in the newly added currencies. These include SWIFT transfers for Middle Eastern currencies (BHD, KWD, OMR), as well as internal and P2P transfers within the ZEN.COM ecosystem for all seven new currencies.
This functionality is particularly useful during international travel – whether for splitting travel expenses, moving funds between personal accounts, or sending money to other ZEN.COM users.
Business scale and further expansion plans
The expansion of the multi-currency account forms part of a broader business scaling process. 2025 marked another year of operational growth for ZEN.COM – according to preliminary estimates, the company’s revenues exceeded approximately EUR 115 million, while maintaining positive profitability. Final financial results will be confirmed following year-end closing and audit.
At the same time, ZEN.COM is preparing for the next phase of international expansion and is working towards obtaining a licence that would enable operations in Hong Kong. Asia is indicated as one of the potential directions for the company’s further development, subject to regulatory decisions and market conditions.
The addition of Asian and Middle Eastern currencies to the multi-currency account supports this strategy by aligning product development with the real needs of users operating in an increasingly global lifestyle.
