ZEN.COM for peaceful shopping 4+

Make your payments more ZEN‪.‬


    • Free

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Make your payments more ZEN!

Setting up the ZEN account means the end of chaos in your personal finances – you will have total control over your shopping expenses and payments. With it, everyday life will be simply easier – challenges such as processing online costs in different currencies or managing refunds will no longer trouble you. ZEN will allow you to deal with them swiftly and calmly.

There are many benefits to ZEN account, and you will certainly appreciate:

One account with many currencies
ZEN can be found and used just with your mobile device. Thanks to its own IBAN it will serve just like a regular bank account. Feel free to collect various currencies and use them whenever you want, completely free.

Cryptocurrency transfers*
You can use the digital currency transfer feature to top-up your account with cryptocurrency or transfer your FIAT into any cryptocurrency wallet in BTC, ETH, LTC, and USDT.
*External service provider

1-year warranty extension
Boost the manufacturer’s product warranty – it will be a year longer when you pay with your ZEN card. No paperwork, no additional procedures – ZEN app has everything you will need.

Zen Care – Shopping Protection
The ordered product is broken on arrival or has other faults? ZEN Care will allow you to request a refund and get the money back as quickly as possible, wired directly to your account.

Instant cashback
You will get up to 15% of what you spend back when using special cashback links – after your ZEN Mastercard® checkout, you will find your account balance pleasantly higher.

ZEN shopping Mastercard
ZEN account will help you manage any online purchases and finances with physical and virtual cards.

Online shopping with no extra costs
Your online purchases will no longer be associated with steep transaction fees just because you do not use your local currency. ZEN will make sure that the price that you will see is the price you are going to pay, one-to-one. Additionally, ATM withdrawals in different currencies will be free too according to your plan.

Feel the spirit of ZEN - choose freely between free & paid plans and adjust them to your needs.

Find out more about ZEN at:

What’s New

Version 1.71.0

Certain minor bugs won't disturb your ZEN anymore

Ratings and Reviews

4.8 out of 5
3.7K Ratings

3.7K Ratings

d_dotworld ,

Good app

I swapped Revolut to Zen and I’m surprised how clean and simple is Zen. Works well, fast... good zenefits ;) and I believe some further will come soon.
I didn’t compare exchange rates yet, however it seems that they are on almost competitive level.
I miss goals ( and savings options from Revolut), but maybe it will appear in a future as well.
Good job.

Developer Response ,

We wouldn't be ourselves if we were someone different, right ? :) If you are waiting for some great new feautures, stay tuned - the ideas are limitless! Anyway, thank you for sharing your feedback, every opinion matters and we are waiting for you to come back and leave 5* anytime in the future. Stay ZEN!

roksana747 ,

Very good, but Long time processing transfer

The application is very nice, everything transparent works smoothly. the only thing that spoils it is the long time it takes to process transfers. after sending the transfer to the recipient, it takes two days later. it's unacceptable for today. You need the option of immediate transfer or at least the normal processing time when the transfer is sent to an account in the same currency and in the same country, the transfer should reach the sender at the next session, if it is not a transaction from another country with a different currency. A two-day trial is unacceptable, it doesn't take that long anywhere. it would be worth thinking about it, because if it weren't for the perfect application, the lack of this function is decisive.

Misiekkk ,

Nightmare to track spending

If you have funds in currency A and make card transaction (or even authorisation) in currency B and you have no B funds ZEN makes conversion from A to B and only than makes card transaction in currency B. It is a nightmare as:
- if your tx is reversed (authorisation cancelled) you get money back in currency B. You may not be able to convert it currency A if amount is small. Also you loose twice on spread.
- There is total mess in statements. You will see conversion in statement for currency A, another one in statement for currency B. And then you have card transaction in statement B. What is more if you make tax at the end of the month conversion will show in the previous month, card tx in the following one. Good luck reconciling statements.
Others like Revolut in such case will directly charge A account and return funds to A. One entry and no losses on spread, mess in statements.

Developer Response ,

Misiekkk, we appreciate your feedback. Please, keep in mind that our automatic currency exchange was made for convenience, but if you do not enjoy this method, you can easily change the currency before the payment by yourself in our intuitive app. If you have questions about this method, write to our support. We are available 24/7!

App Privacy

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 on, for example, the features you use or your age. Learn More


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