Peaceful shopping. Mindful money.

A payment app that will make your shopping and money management as peaceful as ever

Get ZEN.COM app

Scan to get the ZEN.COM app

Open an account in minutes. Scan QR Code to download the ZEN.COM app.

Scan to download

One app, many benefits

Extended year of warranty

Gain an extended year of warranty on all electronic purchases made with Zen MasterCard®

Instant cashback

Save up to 15% when shopping online at selected online stores

Free exchange

Always benefit from the best possible currency exchange rates – with no commission

Shopping protection

Get help 24/7 when something goes wrong with your order

One account, many currencies

An all-in-one mobile app for secure shopping, exchanging money, and managing your daily finances

Multi-currency account

Open one ZEN account with over 29 currencies available immediately with currency exchange at the interbank rates

ZEN Mastercard®

You receive a virtual ZEN Mastercard right when you open a ZEN account. And you can order a physical card with the Digital First certification to pay offline whenever you need. 

Account top-ups

Top up your ZEN account fast and safely in foreign currencies the way you like with a wide selection of well-known and country-specific options 

Money transfers

Choose from a variety of local and global Payment methods (SWIFT and SEPA) and send money instantly to other ZEN users 

ZEN.COM in numbers


Transaction volume


Average app rating


Available currencies


Cashback savings


ZEN Care and Support - outstanding experience application - easy to use with all essential features over all - recommend!
KB 2 February 2023
The app works very well, fast transfers, cool cashbacks available.
Matthew 2 February 2023
Superior quality of customer support, very helpful and always focused on case. True zen state in any payment troubles thanks to zen care which I had chance to try in last days.
Łukasz B 20 January 2023
They dealt with my case very professionally and the hundredth case was resolved quickly
Wiktor 14 December 2022

Frequently asked questions

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I’ve paid using a ZEN card, but the transaction hasn’t been completed yet.

It may take up to 10 days for card transactions to settle after authorization. ZEN is unable to speed up this process.

How long does a money transfer take?

SEPA transfers are usually processed in 1 or 2 business days. In certain situations, it may take 3 days to process the transaction.

SWIFT transfers are usually processed in 1 to 3 business days. However, in certain situations the processing time might be longer.

Local PLN transfer take 1 business day to be processed.

Why cannot I change my phone number?

For security reasons, you need to wait 14 days after the ZEN account has been created to change the phone number associated with it.

How can I generate a card ownership certificate?

If you need an ownership certificate of your ZEN card, we’ll be happy to generate one for you. It usually takes up to 7 days. Please email us at [email protected] and enter “Card Ownership Certificate” in the email title.

Please contact us from the same email address that you provided while opening your ZEN account.

Scan to get the ZEN.COM app

We’ve designed the whole process to be as short and simple as possible. Get the app and see for yourself!

Scan to get the ZEN.COM app

Open an account in minutes. Scan QR Code to download the ZEN.COM app.

Scan to download