ZEN.COM is a multicurrency account with a card and a digital wallet that make shopping and travel better. Pay at home and abroad, get more from every purchase and travel with peace of mind – all in one app. No need to switch banks – just switch cards.
Pay better, get more, worry less
Pay with your ZEN Card in shops and online, cover your subscriptions and book your trips – by card, phone or watch. Hold up to 35 currencies in one account, exchange them at the best rates and see what you’ve spent the moment you pay. Shop like always and earn cashback at 1,000+ partner stores, straight to your account. And if an order arrives faulty, wrong or not at all, ZEN Care Shopping Protection deals with the seller for you. Higher plans add more: Reward Zone, unlimited Shopping Protection and help claiming compensation when your flight is disrupted.
Save money with cashback deals
With ZEN.COM, you earn 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 cashback offers and get real money back – no points, no coupons. 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 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
• Real-money 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.
When we use internal link to pay with cashback we have to go back to copy our card details or write somewhere. This is awkward In VIVID there is a button bellow on the bar and people can copy long number of the card without leaving the internal window and disturb the payment process. Add please
Developer Response
Thank you for sharing your opinion! We really appreciate constructive criticism and I will make sure to forward it to a dedicated department. Feel free to elaborate your thoughts either here or drop us a message at hello@zen.com. Stay ZEN!
Excellent work
stefan91239
Big variety of options, and easy and clean interface
Developer Response
Hello. We are so grateful for your kind words. Thanks for sharing your review with us and our ZEN community. We strive every day to become better so reading this words proves us that our work is done rightly.
Horrible
🫶hex
App experience was good at first, great support..until it wasnt.Support no longer replied to my inquries and around an hour later i received a notification that I will be banned since “i had violated their terms of service”, please note that this was 4 hours after signing up. I hadnt even deposited money yet. I asked Support what happened and why, yet received no answerTldr; this app is the opposite of peaceful
Developer Response
Hello. We never block accounts for no reason. Such an action is taken only when there are suspicions of non-compliance with ZEN.COM regulations and EU law. If you feel like there was a mistake regarding the decision you can always contact us at hello@zen.com.
Great service
Adam has been here
One of the great online banking experiences I enjoy using it and recommend it to other people
Developer Response
Hello, thank you so much for your truly inspiring comment. Your kind words about the ZEN.COM app and your recommendation mean a lot to us. It’s a privilege to provide our services to you. Have a wonderful day!
The new version of the ZEN.COM app is ready! We are working on new features and improving existing ones. Managing your finances with the ZEN Card? Rate us in the store!
Version 2.15.1
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 based, for example, 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
