Enjoy easy banking and shopping abroad.
Welcome to the digital banking. Replace your bank card with ZEN Mastercard® to be free of hidden fees. At last.
Polish account number and Mastercard® card
Receive funds in PLN. Access them with your ZEN Mastercard®. Enjoy the convenience of Polish banking while living here.
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Money transfers from and to Ukraine
Best rates and convinient methods, supported by the partnership with PrivatBank and Mastercard®..
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Currency exchange without unnecessary costs
Convert currencies without the high fees charged by traditional banks and financial institutions.
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ZEN Care shopping protection
We’ll take over all the communication if something goes wrong with a transaction.
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Residence Permit
Open the account in minutes. The only thing you need is a Permanent or Temporary Residence Permit in Poland. Be our guest.
Salary receiving
Provide your ZEN account number to the employer and receive your salary faster.
Cash deposit
Deposit cash directly to your ZEN card at over 2,000 Planet Cash ATMs across Poland. No ATM nearby? Visit the nearest Żabka store and add funds using Paysafecash.
Money transfers. In Poland. Worldwide.
Close your distance between you and loved ones. Choose your way to send money. They re yours after all.
Bank transfer
Send money to the recipient's account number. Regardless of location.
Transfer to card
Send money to the recipient's card number. Works with all bank’s card, with no exception.
Free ZEN transfer
Peer-to-peer transfer from ZEN to ZEN through ZEN Buddies.
Automatic bonus warranty for electronics
Stop worrying that your electronics will break down a day after a warranty ends. When paying with ZEN Mastercard®, enjoy an additional year for free.
No extra formalities, it works by default if the product was purchased in an EEA.
ZEN Care
The best shopping protection on a planet, that speaks Ukrainian language and will stand up for you to fix any transactional problems.
Start using ZEN for free.
Use promo code
Make sure to enter the promo code during registration if you have received one from your employer.
Instantly available virtual card
Enjoy your card instantly after opening the ZEN account. Connect it to Google/Apple Wallet to use anywhere and feel safe - freeze the card if the website you are paying on poses a security risk.
Order a physical card for free
Yes, the physical ZEN Mastercard® looks great because it does not display the card number. This reflects the Digital First standard that enhances the security of your data.
Order it to any address in Poland or Ukraine.
Google Pay / Apple Wallet
Connect your virtual and physical ZEN Mastercard® with Google Pay, Apple Pay, Garmin Pay and Xiaomi Pay to simplify your payments.
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!
