A 35-currency account with no monthly plan fee, money back on purchases, Best Price Cover and protection when a trip does not go according to plan. From 20 October, ZEN.COM is introducing four plans: Good, Better, Best and ZEN. The new offer brings the Pay Better strategy to life: payments should provide customers with greater convenience, savings and protection. In the first eight months of 2026, the number of customers using ZEN.COM paid plans increased by 56% year on year.
ZEN.COM, a financial app used by more than 2 million individual customers and over 10,000 businesses across 33 markets, is expanding its offering for people who want to get more value from everyday payments.
Good combines the convenience of a multi-currency account with everyday payments and no monthly plan fee. Better makes shopping more rewarding through money back on purchases, Best Price Cover, and additional protection for purchased products. Best provides extensive travel protection alongside shopping benefits, while ZEN combines these with premium services and the highest protection limits available.
Pay Better: more value from payments
The new offering addresses specific needs: convenient payments at home and abroad, saving money on purchases and support when unexpected costs arise. It brings these benefits together in one app so customers can use them both in everyday shopping and when travelling.
The Pay Better strategy is built around three areas:
- Pay better: convenient payments and money management in one place, with an account supporting 35 currencies.
- Get more: more value from shopping through instant cashback, rewards in the Reward Zone and Best Price Cover.
- Worry less: greater peace of mind through purchase protection, extended warranty for electronics, and protection for travel and event tickets.
In this way, ZEN.COM is developing its smart payments platform model: a platform combining payments with savings, additional benefits, and protection.
Four plans, clear benefits for everyday life and travel
Each plan has a distinct value proposition. Customers can choose a free account for everyday payments, a package of shopping benefits, extensive travel protection, or a premium experience combining the broadest range of ZEN.COM services.
Good – freedom to pay in 35 currencies, with no monthly plan fee
Good is an account for everyday payments at home, shopping with international merchants and travelling abroad. With no monthly plan fee, customers get an account supporting 35 currencies, a virtual card and access to international transfers. They can pay online and in stores and manage money in different currencies within a single app.
The plan also provides access to instant cashback from participating partners, under the conditions available for Good. This means that even the free plan combines convenient payments with the opportunity to get some money back on purchases.
Better – more money back and protection for the value of your purchases
Better is designed for people who want to get more from online and in-store shopping. It combines instant cashback and rewards with Best Price Cover, extended warranty for electronics and support when something goes wrong with a purchase.
Customers receive the full instant cashback rate available in participating partner offers and access to the Reward Zone. Offers from more than 1,000 partners provide opportunities to get part of their spending back on future purchases.
The benefits do not end at checkout. Best Price Cover allows customers to claim back the difference, up to €100, if they find the same product at a lower price after an eligible purchase. Extended warranty provides an additional 12 months of protection for eligible electronics, with coverage of up to €1,500. ZEN Care support for purchase-related issues is available with no limit on the number of cases.
Better also includes protection for cash stolen after an ATM withdrawal, up to €100. The package is complemented by Flight Claim Assistant, through which ZEN.COM pursues compensation from an airline on the customer’s behalf in the event of a delayed or cancelled flight.
Best – greater peace of mind when travelling, with benefits and protection in one package
Best combines extensive travel protection with all the shopping benefits available in Better. Instead of searching for and paying for separate insurance policies, customers who pay for their trip with ZEN.COM receive key protections as part of the plan. This saves both time and money and provides support before and during the journey.
One of the key benefits is protection in the event of baggage or travel delays, up to €400. If checked baggage does not arrive on time, customers may be reimbursed for essential purchases, subject to the applicable protection terms.
Best also protects money spent on a trip when a covered event forces the customer to cancel. For a trip worth €2,500, standalone cancellation protection could cost around €200. With Best, it is already included in the plan together with the remaining travel benefits. The package also includes assistance in the event of airline or travel organiser insolvency and travel liability protection of up to €1 million.
Best also offers more value in everyday life: cashback, Reward Zone benefits and higher purchase protection limits. Best Price Cover allows customers to recover a price difference of up to €250, while extended warranty for electronics provides protection of up to €5,000. The plan also includes protection for event tickets of up to €250 if a covered event prevents attendance. The package is complemented by unlimited currency exchange on business days, making payments abroad easier.
ZEN – premium comfort and the broadest protection in the offering
ZEN is designed for customers looking for a combination of shopping benefits, extensive protection and additional travel comfort. It includes the benefits available in the other plans, the highest protection limits available and premium services including a metal card and Premium Support.
Flight Live Assistant monitors flights in real time and provides up-to-date information, including changes in status, delays and departure gate details. When the wait becomes longer, Flight Delay Lounge Pass provides access to airport lounges for delays that meet the service conditions. ZEN also includes rental car excess protection of up to €30,000.
The plan provides travel liability protection of up to €1.5 million, trip cancellation reimbursement of up to €5,000 and protection in the event of trip interruption. Protection related to delays, including baggage delays, is available up to €1,000.
The package is complemented by free transfers and currency exchange under the plan terms, as well as ATM withdrawals with no ZEN.COM fee up to the equivalent of €800 per month. In this way, ZEN combines everyday financial benefits with premium comfort and support when travelling.
Number of paid plan customers up 56%
The launch of the new plans comes at a time of growing interest in ZEN.COM’s paid packages. In the first eight months of 2026, the number of customers using paid plans increased by 56% year on year.
“We start with a simple expectation: if I pay, I want to get more from it. The foundation is convenient, cost-effective payments and control over your money. On top of that, we add real savings and protection for shopping and travel. This means customers can pay better, get more, and worry less. The new plans turn this idea into tangible benefits available in everyday life,” says Łukasz Neska, Chief Growth Officer at ZEN.COM.
The new Good, Better, Best and ZEN plans are available from 20 October 2026. This is another step in the development of ZEN.COM as a platform combining everyday payments with shopping and travel benefits.
