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Zamów Kartę ZEN
w aplikacji.

Zrób to wygodnie w naszej
aplikacji. Karta wirtualna będzie
gotowa od razu.

Zeskanuj by pobrać
Alışveriş ve seyahat avantajlarıyla çoklu döviz hesabı.

Alışveriş ve seyahat avantajlarıyla
çoklu döviz hesabı.

Yılda ortalama 420 € tasarruf et. 35 para birimini tek kartta tut Seyahatler ve alışverişler, korumalı.

Built to make your groceries cheaper.

4.6 4.8 4.8
4.6
App Store: 4.8 ★
Google Play: 4.8 ★
  • Business

Meet your new shopping tools.

  • SHOPPING CARD

    Save on everything you buy. And protect it, too.

    ZEN SHOPPING CARD

    Save on everything you buy. And protect it, too.

    Don’t change your bank. Change your card. Your old costs you money. ZEN saves on cashback, rewards, and protection.
    SEE MORE
  • INSTANT CASHBACK

    500+ discounts built into your card and app.

    INSTANT CASHBACK

    500+ discounts built into your card and app.

    Instant. No thresholds, no payout requests. Top rates, regularly boosted. Stacks with other promotions.
    SEE MORE
  • 35 CURRENCIES

    Shop like a local with the best rates.

    35 CURRENCIES

    Shop like a local with the best rates.

    No converting, no thinking, no math. Just pay - ZEN adjusts on the fly with the best rates and no hidden fees.
    SEE MORE
  • REWARD ZONE MONEYBACK

    Earn money & rewards on every purchase.

    REWARD ZONE MONEYBACK

    Earn money & rewards on every purchase.

    Every transaction gives you some money back or bonus rewards. Save up to €20+ a month. Your old bank card can't do that.
    SEE MORE
  • WARRANTY ON ELECTRONICS

    Two extra years with zero extra cost.

    ELECTRONICS WARRANTY

    Two extra years with zero extra cost.

    Electronics love to break right after warranty? Not your problem anymore. No extra cost, no device limit.
    SEE MORE
  • ZEN CARE

    Ultimate protection for everything you buy.

    Ultimate protection for everything you buy.

    Wrong product? Dodgy seller? Hotel not as advertised? No worries - ZEN steps in to help reclaim your money.
    SEE MORE

Meet your new finance tools.

  • MULTI-CURRENCY ACCOUNT

    Hold 35 currencies at the best rates.

    MULTI-CURRENCY ACCOUNT

    Hold 35 currencies at the best rates.

    Convert between currencies anytime, with the best rates and no hidden fees. Your money, ready to spend or send.
    SEE MORE
  • INTERNATIONAL TRANSFERS

    Send more money home - real rates, zero fees.

    INTERNATIONAL TRANSFERS

    Send more money home - real rates, zero fees.

    Built for expats, migrants, families and anyone tired of paying banks just to move their own money across borders.
    SEE MORE
  • FREE ATM WITHDRAWALS

    Withdraw cash for free, at any ATM.

    FREE ATM WITHDRAWALS

    Withdraw cash for free, at any ATM.

    Use any ATM at home or abroad - no foreign fees, no markups, no extra steps to take out cash.
    SEE MORE
  • MULTI-CURRENCY CARD

    Spend in 35 currencies, online or abroad.

    MULTI-CURRENCY CARD

    Spend in 35 currencies, online or abroad.

    Use your card for online shopping, in-store payments, or travel - all at the best rates, with no hidden fees.
    SEE MORE
  • BANK TRANSFERS

    Free SEPA and SWIFT transfers, anywhere.

    BANK TRANSFERS

    Free SEPA and SWIFT transfers, anywhere.

    Send money to any bank account in seconds. No fees, no waiting - whether you're paying rent or splitting a bill.
    SEE MORE
  • TRANSFER TO CARD

    Send money straight to any card, fast and cheap.

    TRANSFER TO CARD

    Send money straight to any card, fast and cheap.

    Works with any Visa or Mastercard - just type in the card number and money arrives almost instantly.
    SEE MORE
  • ZEN BUDDIES

    Free, instant transfers between ZEN users.

    ZEN BUDDIES

    Free, instant transfers between ZEN users.

    Send and receive between ZEN users, instantly and for free. Perfect for splitting bills or buying a friend a coffee.
    SEE MORE
  • DIGITAL WALLET

    Your money hub for crypto, investing, and bills.

    DIGITAL WALLET

    Your money hub for crypto, investing, and bills.

    ZEN moves money between everything - your bank account, crypto exchanges, investment platforms, even your wallet abroad.
    SEE MORE

Meet your new travel companions.

  • TRAVEL CARD

    Travel and pay like a local in 35 currencies.

    TRAVEL CARD

    Travel and pay like a local in 35 currencies.

    Physical or virtual card, ready when you need it - with the best rates, no hidden fees, and instant freeze in the app.
    SEE MORE
  • TRAVEL CASHBACK

    Instant cashback on 100+ travel brands.

    TRAVEL CASHBACK

    Instant cashback on 100+ travel brands.

    Hotels, flights, rentals, travel gear - all with instant cashback. Plus 600+ other shopping brands built into the app.
    SEE MORE
  • FREE ATM WITHDRAWALS

    Need cash? Withdraw it anywhere, fee-free.

    FREE ATM WITHDRAWALS

    Need cash? Withdraw it anywhere, fee-free.

    Land, walk to any ATM, withdraw cash - no foreign fees, no markups, no need to find an exchange office.
    SEE MORE
  • CURRENCY EXCHANGE

    The best exchange rates, in your app.

    CURRENCY EXCHANGE

    The best exchange rates, in your app.

    Skip the exchange office - convert between 35 currencies in seconds, with no commissions and no markups.
    SEE MORE
  • ZEN CARE

    Trip not as advertised? Get your money back.

    Trip not as advertised? Get your money back.

    Hotel under renovation? Tour operator scammed you? ZEN steps in to help you reclaim your money.
    SEE MORE
  • MONEYBACK

    Earn money and rewards on every trip.

    MONEYBACK

    Earn money and rewards on every trip.

    Flights, hotels, gear, meals abroad - every payment earns you money back or bonus rewards. Up to €30 a trip.
    SEE MORE
  • WARRANTY ON ELECTRONICS

    Two extra years of protection on travel gear.

    WARRANTY ON ELECTRONICS

    Two extra years of protection on travel gear.

    E-reader cracks on the beach? Headphones stopped working? Two extra years of warranty, no extra cost or hassle.
    SEE MORE

Get it on your phone.

Download on the App Store Get it on Google Play
How much you will save?
Average user saves about €41 a month.
Get your estimate in in seconds
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INSTALL ZEN AND START SAVING! INSTALL ZEN AND START SAVING!
4.6 out of 5

7 Reasons why people love ZEN

So much for so little.

App Store

For around 10 PLN a month it feels loaded. I kept waiting for a catch, but it just works.

Anna

Absolute freedom of travel.

Google Play

One card for trips. I stopped thinking about currencies because it handles it automatically.

Julia

Lots of savings.

Trustpilot

Cashback + reward zone actually adds up. After two days it basically paid for itself.

Igor

No bank switch.

App Store

Finally an app that doesn't force you to switch banks. Works alongside my bank card, no hassle.

Luca

Everything in one place.

Google Play

I move funds between crypto, my investment platform, and daily spending through ZEN. The transfer options are great.

Felix

This is how warranty should work.

Trustpilot

Two extra years on electronics without paying extra at checkout is crazy. Saved me a lot already

Peter

ZEN Care helped
where no one else could.

App Store

My concert got cancelled and the organizer was useless. ZEN helped me get my money back fast.

Sofia

Licensed By:

  • United Kingdom

  • Lithuania

  • Singapore

  • Ukraine

  • Hong Kong

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Ready to get paid for shopping?

It takes 3 minutes to set up. After that, every purchase pays you back.
Download on the App Store Get it on Google Play
  • Get the ZEN.COM app

Pay with ZEN.COM

NEED A business account?

ZEN.COM FOR BUSINESS

International Money Transfers: Send Money to USA | Send Money to UK | Send Money to Ukraine | Send Money to Germany | Send Money to Czech Rep. | Send Money to China | Send Money to Canada | Send Money to Netherlands | Send Money to Norway | Send Money to Sweden | Send Money to Switzerland | Send Money to France | Send Money to Spain | Send Money to Australia

Currency Converter: Convert PLN to EUR | Convert USD to EUR | Convert GBP to EUR | Convert CHF to EUR | Convert AED to EUR | Convert CAD to EUR | Convert AUD to EUR | Convert JPY to EUR | Convert NOK to EUR | Convert SEK to EUR | Convert DKK to EUR | Convert HUF to EUR | Convert CZK to EUR | Convert TRY to EUR | Convert RON to EUR | Compare Exchange Rates

UAB ZEN.COM is a licensed e-money institution under the supervision of the Bank of Lithuania, operating on the basis of a single passport rule in all 30 countries of the European Economic Area. Registration number 304749651, VAT ID LT100011714916. License number LB000457. Company address: Konstitucijos av. 18B, LT-09309 Vilnius, Lithuania ZEN-UK Limited, trading as “ZEN” and “ZEN.COM” is a licensed e-money institution under the supervision of the Financial Conduct Authority, with registration number 13953648. License number 1000019. Company address: 344-354, GRAY’S INN ROAD, WC1X 8BP, London ZEN.COM PTE. LTD. is a licensed major payment institution under the supervision of the Monetary Authority of Singapore,. Registration number 201829417D Company address: 100 Tras Street, Singapore, 079027, Singapore.

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