Sending Money - ZEN.COM
SENDING MONEY

Transfer money
internationally at
the best rates.

SENDING MONEY

Transfer money
internationally at
the best rates.

Working abroad and sending money
home? Traveling? Supporting your
children to study in another country?

Bridge the distance with ZEN.

Select currencies and check rates in Pro plan. Rates
vary depending on your ZEN plan:

EUR
  • EUR
  • USD
  • PLN
UAH
  • UAH
  • EUR
  • USD
  • PLN

1 EUR = PLN

ZEN FEE 0%

Sending 1,000.000 with

Recipent gets

4.3247 PLN

Best offer!

4.3247 PLN

+ 12.34

4.3247 PLN

- 12.34

4.3247 PLN

- 12.34

4.3247 PLN

- 12.34

4.3247 PLN

- 12.34

Rates change dynamically. Before making an exchange, check

the selected rate in the ZEN.COM application.

Transparent Fees

Avoid surprising conversion costs
– ZEN currency conversion rates
and costs are available in advance.

Multiple transfer options

Cheap, fast or cheap and fast -
choose how your money gets
where you want it.

Safe and secure

Security solutions entrusted by
Mastercard® and Visa.

Need to send money
abroad?

Do it cheap, fast and easy with ZEN - use direct ZEN transfers, card
and phone number transfers, or SWIFT and SEPA transfers.

28 currencies, best conversion rates, security, speed, and savings.

Pick a currency
and amount

Choose from 28 currencies,
benefit from competitive
exchange rates, and no
hidden fees.

Select recipient
details

Enter bank account number,
card number or phone
number.

Your tansfer
is good to go!

Let the recipient know, that
the money is on the way!

Global - Fast - Cheap

Choose fast and reliable international money transfers from ZEN - send,
save and enjoy the multi-currency enabled ZEN smart wallet.

Fast Processing:

Transfers as quick as instant
for select currencies and up
to 3 business days for SWIFT
payments.

Multi-Currency Support:

Send and receive money
in various currencies,
ensuring the best conversion
rates.

Secure Transactions:

End-to-end encryption
ensures your money arrives
safely.

Transparent Pricing:

Enjoy competitive fees with
different pricing plans,
including lower fees for ZEN
Pro users.

One app, every benefit.
Download now!

Use all the benefits ZEN offers
with your new digital wallet.

How long an international
money transfer takes?

We understand your needs and offer multiple international money transfer options - how fast do you want it? Pick between a couple days long SWIFT and SEPA transfers to minutes long card transfers to instant transfers within ZEN community.

Delivered in days

Bank transfers

SEPA and SWIFT typically
take between 1-3 business
days.

Completed in minutes

Card transfers

A faster transfer type is a
card transfer, when the
money is being sent directly
to the card account.

Instant

Phone number transfers

The fastest are ZEN to ZEN
instant transfers—available
24/7 with no delays, no bank
details, and always for free!

Works wherever you are,
in all 28 currencies.

28 currencies at a single tap

All in your app, so you don’t have to carry them
around in your pocket.
Euro
EUR
Euro
Pound Sterling
GBP
Pound Sterling
Polish Zloty
PLN
Polish Zloty
US Dollar
USD
US Dollar
Dirham (UAE)
AED
Dirham (UAE)
Dollar (Australia)
AUD
Dollar (Australia)
Dollar (Canada)
CAD
Dollar (Canada)
Swiss Franc
CHF
Swiss Franc
Yuan (China)
CNY
Yuan (China)
Crown (Czechia)
CZK
Crown (Czechia)
Crown (Denmark)
DKK
Crown (Denmark)
Dollar (Hong Kong)
HKD
Dollar (Hong Kong)
Forint (Hungary)
HUF
Forint (Hungary)
Shekel (Israel)
ILS
Shekel (Israel)
Yen (Japan)
JPY
Yen (Japan)
Shilling (Kenya)
KES
Shilling (Kenya)
Peso (Mexico)
MXN
Peso (Mexico)
Crown (Norway)
NOK
Crown (Norway)
Dollar (New Zealand)
NZD
Dollar (New Zealand)
Rial (Qatar)
QAR
Rial (Qatar)
Leu (Romania)
RON
Leu (Romania)
Rial (Saudi Arabia)
SAR
Rial (Saudi Arabia)
Crown (Sweden)
SEK
Crown (Sweden)
Dollar (Singapore)
SGD
Dollar (Singapore)
Baht (Thailand)
THB
Baht (Thailand)
Lira (Turkey)
TRY
Lira (Turkey)
Shilling (Uganda)
UGX
Shilling (Uganda)
Rand (South Africa)
ZAR
Rand (South Africa)

How much do international
money trasnfers cost?

Register and get a Pro plan account from ZEN for 3 months
for free, and release the full potential of ZEN. Choose
between SEPA, SWIFT, card, local, phone number and
direct international money transfers.

SEPA and phone number transfers

No fees

SEPA icon

Phone number and SEPA international
money transfers are free of charge with
the PRO plan.

SWIFT and card transfers

Chargeable

SEPA icon

At a small fee, card transfers let you send
money fast in the local currency of the
recipient or SWIFT transfer allows you
to send in any currency.

SWIFT CATEGORY FREE GOLD PLATINUM PRO
Incoming SWIFT 0.10% + 5.00 EUR 0.10% + 3.00 EUR 0.10% + 3.00 EUR 0.10% + 3.00 EUR
Outcoming SWIFT - SHAA 0.10% + 5.00 EUR 0.10% + 3.00 EUR 0.10% + 3.00 EUR 0.10% + 3.00 EUR
Outcoming SWIFT - OUR
Category 1* 0.10% + 25.00 EUR 0.10% + 15.00 EUR 0.10% + 15.00 EUR 0.10% + 15.00 EUR
Category 2** 0.10% + 35.00 EUR 0.10% + 25.00 EUR 0.10% + 25.00 EUR 0.10% + 25.00 EUR
Category 3*** 0.10% + 50.00 EUR 0.10% + 40.00 EUR 0.10% + 40.00 EUR 0.10% + 40.00 EUR
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Supported coutries

European Economic Area

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.

Other countries*

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.

* Available only for MasterCard cards.

Card-to-card transfers from ZEN are available in the following currencies:
AUD, CAD, CZK, EUR, GBP, HUF, PLN, RON, SEK, USD.

Fees

Transfer to Card (sending) - FREE / GOLD / PLATINUM / PRO: 1%

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Frequently asked questions:

You can find answers to the most frequently asked questions about sending money in our ZEN Help Center.

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!