Shopping with no fees

No matter if you exchange currency, pay with a card, or withdraw cash: you don't pay a thing to the limit that comes with your plan.
Simple as that!

Get the ZEN app


Free from fees. At last.

Whether you exchange money, withdraw it from ATM all around the globe or use our ZEN Mastercard®, you don’t have to worry about fees. We won’t charge you any. What more could you ask for?


Always 0.0%

Forget about exchange offices! The ZEN exchange rate is constantly updated so that you can always use the best offer with no unnecessary financial losses. ZEN exchange rates are lower than rates of other banks. What's more, the current exchange rate is always presented to you during the process.


How it works


Dorothy bought a smart watch from a well-known Chinese online store. ZEN adjusted her currency and she saved $15 that would get lost due to the currency conversion.