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.
It's a scam. When I transferred money from my crypto wallet to my Zen account, the transaction failed, but the money was withdrawn from the crypto wallet. There were some problems and I was offered a refund, but not all the money was returned. I asked them to refund me the balance but they said I have to deal with some other company, apparently it's their payment provider. But I did not transfer money to any other company. I believe that this is the problem of Zen company. I also tried to get through to the support, but no one answers me and I was blocked the ability to replenish my account on Zen without explaining any reasons! Be prepared for this kind of attitude! I regard Zen's actions as a scam, as they illegally misappropriated my money and ignore to get in touch with me to help me understand the situation. I am going to report fraud to the police.
Developer Response
Hello, we understand your concerns regarding your transaction and want to ensure you we're actively addressing this situation. We have sent you an email with comprehensive details about the steps taken to resolve your issue, including coordination with our payment provider for a satisfactory resolution. Please review that email for further information on how we can assist you. We're committed to providing clear communication and support to all our users. Your trust in our service is important to us, and we're here to help clarify any misunderstandings and offer assistance.
ZEN violates agreements and disregards your rights
qddrb
I am disappointed with my experience with ZEN due to their breach of agreements and disregard for my rights as a customer. I had initially discussed my intended account usage with their business manager, who approved my activities and confirmed that the risk level was acceptable. For nearly six months, I operated my account as agreed upon, with occasional inquiries from ZEN which were promptly and amicably resolved.However, my account was suddenly blocked without any explanation or warning, stating that I now posed a high risk despite no changes in my account activities. It would have been reasonable for ZEN to inform me of any changes in their risk assessment so that I could adapt my approach accordingly.Today, I reached out to ZEN again with detailed explanations and attached correspondence with the business manager. Their response was:"I am sorry to inform you, but while we appreciate your diligence in explaining your situation, we will not be able to open a new account for you. The decision about the closure of your previous account is final and there is no possibility of opening a new one."I find this situation highly disappointing and unprofessional, as it shows a lack of commitment to their customers and a disregard for the agreements made. I would advise caution when dealing with ZEN, as their actions can be unpredictable and their decisions seemingly arbitrary.Overall Rating: 1/5 stars
Developer Response
Hello, thank you for your feedback. It has been mentioned that ZEN.COM is a licensed financial institution, regulated by the Bank of Lithuania and European regulations. Being a regulated financial institution and being subject to European regulations also means that we are obliged to comply with AML / KYC procedures, which involve the need to prove the origin of the money placed on the market. ZEN.COM agents put much effort to assist their best by having contacted you by mail in order to pass relevant data. We are sorry you are unhappy with ZEN.COM's service, you are encouraged to contact us in case of further questions at hello@zen.com.
Disappointing Experience with ZEN Customer Support
good 6688
I recently attempted to register with ZEN bank and encountered a frustrating experience with their customer support. Despite a minor mistake in my name during the registration process, ZEN refused my application without providing any specific reasons. Their response cited “compelling reasons” and regulatory requirements, which they were unwilling to disclose or discuss further.As a potential customer seeking to establish a banking relationship, I find this level of inflexibility and lack of transparency deeply disappointing. The mistake in my name was trivial and easily correctable, yet ZEN refused to reconsider their decision or provide any pathway for resolution. This reflects poorly on their commitment to customer service and flexibility in handling simple errors.I would caution others considering ZEN bank to be aware of their rigid policies and the potential for arbitrary decisions without explanation. If this is how they treat prospective customers over a minor issue, I can only imagine the challenges one might face as an actual customer.Overall, my experience with ZEN has left me feeling frustrated and undervalued as a potential client. I will be exploring other banking options that prioritize customer satisfaction and flexibility in their service approach.
Unexpected Account Closure with No Explanation - A Call for Greater Transparency
GIKTeam
After recently creating an account with ZEN, I was taken aback when it was unexpectedly closed, and I was unjustly accused of activities that allegedly violated ZEN's Terms of Use. Despite my attempts to seek clarification or detailed reasons for the account closure, my inquiries were met with responses that lacked specificity and did not address my concerns.While I fully understand the necessity of protecting the platform and its users from potential fraudulent activities, transparency and fair treatment towards all users are critically important. It is essential for financial institutions like ZEN to adhere to high standards in their decision-making processes and communications with users.Regrettably, my experience highlights a risk for new users: the possibility of having their account unjustly closed without the opportunity to contest the decision or receive an explanation. I hope my feedback will inform others about the potential challenges they may face when using this application.I urge ZEN to improve their verification processes and communication strategies to ensure greater transparency and fairness in how they manage user accounts. I hope that ZEN will consider this feedback to enhance the user experience in the future.
Developer Response
Hi, thank you for your comment. We are sorry to hear that you experienced inconvenience, however we would like to correct a few things: ZEN.COM is a payment institution with a finance license to operate in Europe, regulated by the Bank of Lithuania. Consequently, it is subject to the same rules as banks and other payment institutions. Such an action is taken only when there are suspicions of non-compliance with ZEN.COM regulations and EU law. If a situation arises in which we are unable to provide services to a given person. The regulations that apply to payment institutions such as ZEN.COM place certain obligations on us, which we intend to comply with out of respect and deference to both customers and regulators. We want everyone to feel safe using ZEN.COM. The quality of our service is validated daily by satisfied customers who express their satisfaction through both public and private channels.Should you have any further questions, if you are not already in contact with our customer service department, we would be happy to address any concerns - please email us at hello@zen.com. Unfortunately, we are not able to help you through the App Store service, among other reasons due to GDPR regulations
- A simpler way to view your cards
We simplified the card view by removing extra animations and expandable states. Your cards now stay pinned at the top for quicker access, with a subtle one-time animation when you open the screen for the first time.
- Faster and more reliable app experience
We refined existing components and optimized recent updates to improve performance and stability across the app. Everything should now feel smoother and quicker.
Version 2.5.1
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
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.
