Send, pay, shop and save money with one simple app.
The ZEN.COM app is a modern digital mobile wallet designed for everyday payments, online shopping, calculating currencies and smart money management. Instead of switching between apps, you get one place for a digital wallet, debit cards, transfers, instant cashback deals and purchase protection. Clear pricing, free from hidden currency converter fees on your travel money, and full control over your personal finances.
One card wallet for everyday life
Whether you’re shopping online for deals, paying subscriptions or sending money to friends, ZEN.COM keeps everything simple. Pay in store or online, track spending in real time and manage everyday expenses without stress. ZEN.COM fits naturally into daily life at home and abroad.
Save money with instant cashback deals
With ZEN.COM, you earn Instant Cashback on online shopping at hundreds of popular stores. Cashback rewards work with well-known brands such as AliExpress and Temu, along with many other shops. Choose the best and latest deals, enjoy special instant cashback offers and get real money back – no points, no waiting. Saving on everyday online shopping becomes effortless.
Pay digitally and contactless
Use your phone or smartwatch to pay quickly and securely. Add your card to Apple Pay or Google Pay to pay contactless wherever you shop. Whether shopping online or in store, payments are fast and easy.
Multi-currency account with fair exchange rates
Hold and manage multiple currencies in one mobile wallet. Pay in local payment methods at competitive foreign exchange rates with no hidden currency exchange fees. ZEN.COM is ideal for online shopping, exchanging travel money, calculating currencies and international spending – helping you avoid unnecessary conversion costs as you track and plan your personal finances.
Send money simply
Send digital money locally or internationally with transparent rules and no surprises. Use ZEN Buddies to send money instantly to other ZEN users. All transfers and payments are visible in one place, so you always know where your money goes.
Secure payments and purchase protection
Your payments are protected with ZEN Care. If something goes wrong with a purchase, you can request support directly in the app.
How people in the UK use ZEN.COM
Emma shops online to find the latest hot deals at the best prices, and uses instant cashback rewards to save money on everyday purchases.
Fleur pays her subscriptions and does her online shopping using the ZEN virtual card.
James sends money, manages his personal finances and tracks monthly expenses in one app.
Why choose ZEN.COM
• Instant money-saving cashback offers and fair exchange rates
• Secure digital and contactless payments in store and online
• One wallet for cards, transfers and spending
• Secure payments with purchase protection
• Clear pricing and full control over money management and expenses
Download the ZEN.COM app and simplify how you pay, send, track and save money every day.
a sleek and user-friendly wallet app that simplifies financial management. With easy navigation, real-time transaction tracking, and robust security features, it’s perfect for budgeting and managing payments. The app encourages mindful spending with goal-setting tools. Overall, a great choice for anyone looking to streamline their finances.
Developer Response
Hi. Thank you for sharing your experience! We’re delighted to know the app is meeting your needs for effective and straightforward financial management. If you have any suggestions to make your experience even better, feel free to let us know—we’re here to make things as smooth as possible!
They are best in EU
August IV
I would like to support this service. It’s very reliable from beginning of registration till now. I got the virtual card immediately and attached to the Apple Pay. So it works smoothly. Interface amazing 🤌🏻🌟🌟🌟🌟🌟
Developer Response
Hello! Thank you so much for noticing the great benefits of ZEN.COM. It’s our pleasure to support you. Best regards!
Garbage
Ländgüy
Read the reviews and all before downloading. I went through the entire setup process but my account was denied. It also says “this decision is final” and no reason is listed. Support is useless, they just ignore you when you try to find out why you were denied access. I have Wise, Revolut and other apps but this one declines tons of people for some reason, based on App Store reviews and online forums.They’re probably bought out by EU politicians and other low IQ deep state players
Developer Response
Hello, we are sorry that you were unable to open an account with ZEN. As a financial institution, we are obliged to comply with the laws and regulations of the Bank of Lithuania. If you have any concerns about the situation, please contact us at https://app.zen.com/support.
Not recommending
Boguș
Supposed to be a revolution, but it is a disappointment You need a lot of zen attitude to use it. May be this is a reason why they call it zen.
Developer Response
Hello, we're sorry to hear that your experience didn’t match your expectations. Our goal is to make financial services easy and stress-free, and we understand how essential it is for everything to work smoothly. If you’re facing specific issues or have any suggestions for improvement, please let us know at hello@zen.com—we’re here to make things right. Thank you for your feedback!
- New transfer flow
A redesigned transfer experience that gives you more control and clarity. Add a beneficiary without sending money, review key details on a clearer summary screen, and send money from accounts in different currencies.
- Improved top-up list
Finding the right top-up method is now simpler. A cleaner layout and new filters (like free, cash-based, or instant) help you quickly choose what works best.
- Quick actions in Wallet
Fewer taps, faster access: transfer, exchange, and top up directly from the Wallet screen.
Version 2.2.0
The developer, UAB ZEN.COM, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Contact Info
Sensitive Info
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Identifiers
Usage Data
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
This app has an age rating of 4+ with content restrictions. Some content may be rated higher, but access is managed by the developer through in-app controls.
