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.
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.
Not reliable
WarsawByNight
I have tried to solve simple issue - change of my plan. Very frustrating with existing Support. ZEN charges were wrong and it took me a lot of chatting to get them back, even though it was ZEN mistake. They were not even sorry. But with inflows of cash from my bank accounts? Out of 5 attempts one was successful, Support advise: Try different amount. This start up is a joke!
Developer Response
Hello. We're truly sorry for the inconvenience and frustration you've experienced with our service, particularly with the plan change and the challenges you faced with our support and transactions. It's evident that we did not meet your expectations, and for that, we apologize. Your feedback is crucial for us, and we're committed to making the necessary improvements. Thank you for bringing these issues to our attention. If there's anything specific we can do to assist further, please don't hesitate to reach out.
Nightmare to track spending
Misiekkk
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!
Locked Out Without Explanation – Dishonest and Unfair Treatment
DaryaHryhoryeva
I had an account with ZEN, verified my identity, and used it for several months without any issues. Out of nowhere, I was suddenly asked to provide proof of all my top-ups from the past months. I complied immediately — I sent my employment contract, proof of salary transfers from my bank card, and all records of my crypto-to-ZEN transactions.Only after submitting everything was I informed that in Europe it is not allowed to top up via USDT. I had no prior knowledge of this restriction. I am not a crypto expert — just an ordinary IT employee — and yet I was punished for something I had never been warned about.Instead of helping me resolve the issue, ZEN simply blocked my top-up function with no clear reason. When I asked for an explanation or at least a chance to fix the situation, I was told: “we have the legal right not to disclose anything.” This is absurd and deeply unfair.I am a fully honest and legal user. To be treated like this — without transparency, without the chance to clarify or correct — is unacceptable. ZEN completely failed to support me as a customer.
Developer Response
Hello! We appreciate you taking the time to share your thoughts. On one hand, we're sorry to hear about your dissatisfaction with our service. On the other hand, please rest assured that ZEN.COM operates under strict compliance regulations. To learn more, you can visit: https://ask.zen.com/hc/en-us/articles/11781766456732-I-ve-got-a-message-We-have-to-close-your-account. If you have any further concerns, feel free to contact us at hello@zen.com. Regards.
We made it easier to verify select transaction types. If a transaction is paused for a safety check, in select cases, you can now complete the review directly in the ZEN.COM app, without extra steps.
Version 2.1.0
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 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
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.
