ZEN.COM - Card & Cashback

Send money smarter. Skip surprise fees. Save more.
Why juggle three apps when one can do it all? Whether you travel, shop online, study or work abroad, ZEN.COM gives you everything in one app: one card, multi-currency account, secure transfers, fair exchange rates, rewards, and buyer protection. Trusted by thousands across Europe and beyond, ZEN.COM keeps your money safe and payments simple.

Travel without borders
Grabbing coffee on your trip abroad? With ZEN.COM, you pay like a local. Exchange your money easily at fair rates and skip hidden fees that many banks still charge. Spend in the currencies you need, including euros, dollars, and yen. Withdraw cash worldwide with no extra charges (within your plan).
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Receive and send money abroad, faster and cheaper
International transfers shouldn’t take days or cost a fortune. With ZEN.COM, you send money fast and at low cost across Europe, worldwide, or card-to-card.
Need to send money instantly to another ZEN user? Send it free with ZEN Buddies.
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Instant top-ups, easy and secure payments
Paying for streaming? Shopping online? ZEN.COM makes it effortless. Top up instantly in 30+ ways: card, bank transfer, local methods, or even cash. Your money, exactly the moment you need it.

Pay anywhere with Apple Pay. Use your phone or watch as your wallet, and track spending in real time.
Spend smart. Get rewarded.

Every time you pay with your ZEN PRO Card, you collect Shards and Stones to redeem for rewards or money back. In selected markets, you also get instant cashback at partner stores (electronics, fashion, beauty, sports, and more) – it’s real money added directly to your account. No points, no waiting.
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Your purchases, protected

Shopping online or withdrawing cash abroad? With ZEN Care, you’re covered from start to finish. If something goes wrong, we’ll take care of the claim. Plus, get up to 2 extra years of warranty on electronics bought with your ZEN PRO Card.

Why switch to ZEN.COM?
* Instant savings: no hidden fees and fair exchange rates
* Safer shopping: buyer protection and extended warranty on electronics
* All-in-one convenience: card, multi-currency account, local and global transfers and currency exchange in one app
* Designed for international professionals, travelers, expats, students and online shoppers
* Trusted by thousands across Europe and beyond


Download now and simplify how you spend, send and save at home or abroad.