Open your Wallet
Open your Wallet
In the ZEN.COM app, go to "Wallet" and choose the currency you want to send
You only need the recipient's name and debit card number.No bank account, no IBAN, no waiting.
70+ countries supported
Minutes - typical arrival time
24/7 transfers available
No IBAN - just the card number
How it works
Send money to a debit card in three steps
You only need the recipient's name and debit card number.
No bank account, no IBAN, no waiting.
Select transfer to card
Select transfer to card
Tap "Transfer", then select "Transfer to card". Enter the recipient's card number, name, and the amount.
Tap "Transfer", then select "Transfer to card". Enter the recipient's card number, name, and the amount.
Confirm and send
Confirm and send
Review the amount and fee. Confirm the transfer. Funds are sent in the selected currency, without conversion.
Review the amount and fee. Confirm the transfer. Funds are sent in the selected currency, without conversion.
Fees
Clear fees. No hidden charges.
See the cost before you send money to a debit card with ZEN.COM. No extra fees added later.
Fees
Clear fees. No hidden charges.
See the cost before you send money to a debit card with ZEN.COM. No extra fees added later.
Outgoing transfer from ZEN.COM to Mastercard or Visa card
Outgoing transfer to card – Mastercard Send / Visa Direct
1%
1%
Outgoing transfer from ZEN.COM via PrivatMoney
Outgoing transfer via PrivatMoney
1%
1%
Incoming transfer to ZEN card
All fees shown before confirmation
3%
3%
Coverage
Send money to debit cards in 70+ countries
Coverage
Send money to debit cards in 70+ countries
Send money to debit cards in 70+ countries
ZEN.COM supports transfers across Europe, the Americas, Africa, and Asia.
Frequently Asked Questions
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How do I send money to a debit card online?
Open the ZEN.COM app, go to "Wallet", choose your currency, tap "Transfer", then select "Transfer to card". Enter the recipient's card number, name, and the amount. Review the fee and confirm. Money is sent in the selected currency, without conversion. -
How long does it take to send money to a debit card?
Most transfers within the EEA arrive within minutes. For transfers outside the EEA, delivery can take up to 5 working days depending on the recipient's bank. -
Do I need the recipient's IBAN or bank account number?
No. To send money to a debit card, you only need the recipient's card number and name. No IBAN or bank account details are required. -
Which cards can I send money to?
You can send money to any Mastercard or Visa debit card in supported countries and currencies. -
What is the fastest way to send money with a debit card?
Within the EEA, transfers via Mastercard Send or Visa Direct typically arrive within minutes. This is one of the fastest ways to send money to a debit card online – no bank transfer delays, no intermediaries. -
Can I send money to a debit card without a ZEN.COM account?
A ZEN.COM account is required to send transfers. Opening an account takes a few minutes in the app – you need a valid ID and your mobile phone. Download the ZEN.COM app from the App Store, Google Play Store, or AppGallery.
SEE FOR YOURSELF
Your money moves when you need it to
Open a ZEN.COM account in minutes. Send money to a debit card instantly, 24/7, in 70+ countries.
