ZEN.COM is growing as customers become more active and use the app across a broader range of everyday needs. In the first eight months of 2026, the number of card payments increased by 84% year on year, transactions earning cashback rose by 107%, and transfers by 133%. The data shows that customers are increasingly using ZEN.COM for everyday shopping, payments, and better money management.
Regular use of ZEN.COM is growing
One sign of increasing engagement is the growth of paid plans. The number of customers with a ZEN.COM subscription increased by 56% year on year. Use of the Reward Zone loyalty programme is also growing, with the number of users up 68% year on year. Both indicators show that customers are increasingly using ZEN.COM on a regular basis and for more than a single transaction.
Card payments grow alongside ZEN.COM
Card payments are one of the most direct ways customers use ZEN.COM in their everyday lives. Between January and August 2026, the number of card transactions increased by 84% year on year, while their total value rose by 69%. The data shows that the ZEN.COM card is becoming increasingly embedded in customers’ everyday payment habits and is being used more frequently.
Instant cashback increasingly part of everyday payments
Even stronger growth can be seen in the use of additional benefits available through ZEN.COM. The number of transactions earning cashback increased by 107% year on year. This is one of the clearest signs of customers using the app more actively. Cashback is becoming less of an occasional extra and increasingly part of customers’ regular payments.
ZEN.COM increasingly used across everyday finances
Growing activity can also be seen beyond shopping payments. The number of cash and ATM-related transactions increased by 73% year on year, while the number of transfers was 133% higher than in the same period of 2025. Transactions between ZEN.COM users through Buddies grew even faster, increasing by 213% year on year. This shows that ZEN.COM is increasingly being used for everyday activities involving sending and managing money.
Growth is being driven by two factors
Data for the first eight months of 2026 points to two parallel trends. Across individual services, the number of customers using them is growing, while the frequency and range of ZEN.COM usage is increasing at the same time. Growth is therefore being driven by both greater scale and higher customer activity.
Particularly strong growth can be seen in areas linked to recurring behaviour: card payments, paid plans and instant cashback. The combination of increasing scale and stronger customer engagement is laying the foundation for the next stage of ZEN.COM’s development. The company’s next consumer offering will strengthen the link between everyday payments and tangible value for customers through convenience, benefits and protection.
“These results show that ZEN.COM is entering the next stage of its development. Scale matters to us, but what matters even more is how much real value we can deliver to customers with every payment. We want paying with ZEN to mean more than simply completing a transaction. It should be more convenient, deliver more benefits, and provide protection where it is needed. In the coming weeks, we will show how we are turning this ambition into the next chapter of ZEN.COM,” says Łukasz Neska, Chief Growth Officer at ZEN.COM.
