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App that makes every payment cheaper, safer & more rewarding. In any currency.
Meet your new shopping tools.
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SHOPPING CARDSave on everything you buy. And protect it, too.
ZEN SHOPPING CARDSave 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.
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INSTANT CASHBACK500+ discounts built into your card and app.
INSTANT CASHBACK500+ discounts built into your card and app.
Instant. No thresholds, no payout requests. Top rates, regularly boosted. Stacks with other promotions.
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35 CURRENCIESShop like a local with the best rates.
35 CURRENCIESShop 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.
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MONEYBACKEarn money & rewards on every purchase.
MONEYBACKEarn 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.
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WARRANTY ON ELECTRONICSTwo extra years with zero extra cost.
ELECTRONICS WARRANTYTwo extra years with zero extra cost.
Electronics love to break right after warranty? Not your problem anymore. No extra cost, no device limit.
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ZEN CAREUltimate 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.
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ZEN CASHCARDTurn cash into digital giftcards.
Turn cash into digital giftcards.
Pick a value, buy a code, pay online. No bank account needed, no personal data shared. Simple, private, instant.
Meet your new travel companions.
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TRAVEL CARD
Travel and pay like a local in 35 currencies.
TRAVEL CARDTravel 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.
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TRAVEL CASHBACKInstant cashback on 100+ travel brands.
TRAVEL CASHBACKInstant cashback on 100+ travel brands.
Hotels, flights, rentals, travel gear - all with instant cashback. Plus 600+ other shopping brands built into the app.
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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.
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CURRENCY EXCHANGEThe best exchange rates, in your app.
CURRENCY EXCHANGEThe best exchange rates, in your app.
Skip the exchange office - convert between 35 currencies in seconds, with no commissions and no markups.
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FREE ATM WITHDRAWALSNeed cash? Withdraw it anywhere, fee-free.
FREE ATM WITHDRAWALSNeed 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.
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WARRANTY ON ELECTRONICS
Two extra years of protection on travel gear.
WARRANTY ON ELECTRONICSTwo 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.
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MONEYBACK
Earn money and rewards on every trip.
MONEYBACKEarn 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.
Meet your new finance tools.
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MULTI-CURRENCY ACCOUNTHold 35 currencies at the best rates.
MULTI-CURRENCY ACCOUNTHold 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.
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INTERNATIONAL TRANSFERSSend more money home - real rates, zero fees.
INTERNATIONAL TRANSFERSSend 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.
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BANK TRANSFERSFree SEPA and SWIFT transfers, anywhere.
BANK TRANSFERSFree 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.
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TRANSFER TO CARDSend money straight to any card, fast and cheap.
TRANSFER TO CARDSend 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.
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MULTI-CURRENCY CARD
Spend in 35 currencies, online or abroad.
MULTI-CURRENCY CARDSpend 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.
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ZEN BUDDIESFree, instant transfers between ZEN users.
ZEN BUDDIESFree, 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.
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FREE ATM WITHDRAWALSWithdraw cash for free, at any ATM.
FREE ATM WITHDRAWALSWithdraw 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.
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DIGITAL WALLET
Your money hub for crypto, investing, and bills.
DIGITAL WALLETYour money hub for crypto, investing, and bills.
ZEN moves money between everything - your bank account, crypto exchanges, investment platforms, even your wallet abroad.
Get it on your phone.
How much you will save?
Average user saves about €41 a month.
Get your estimate in in seconds
Get your estimate in in seconds
1/4
How much do you spend on online shopping each month?
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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
has been featured on:
Licensed By:
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United Kingdom
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Lithuania
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Singapore
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Ukraine
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Hong Kong
SEE FOR YOURSELF
Ready to get paid for shopping? Ready to get paid for shopping?
It takes 3 minutes to set up. After that, every purchase pays you back.
It takes 3 minutes to set up. After that, every purchase pays you back.