ZEN.COM for peaceful payments

4.6
44.5K reviews
1M+
Downloads
Content rating
PEGI 3
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About this app

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.

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:
https://www.zen.com/
Updated on
Mar 2, 2026

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Personal info, Financial info and 6 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.6
44.1K reviews
Paka Buraka
January 1, 2025
My worst experience ever. I tried many fintech apps (with Lithuanian license too), but this one is even not allowing me to start using it, because of constantly failing verification. I tried different documents and contacted customer support multiple times. I started my attempts to open an account on 21 of November, afterwards the support multiple times told me "try again it should work now", but it never happened. Reply time from support is a nightmare too (last one was 14 days). Beware of it!
19 people found this review helpful
Did you find this helpful?
ZEN.COM
December 31, 2024
Hello, we are sorry you were not able to open the account within ZEN. As a financial institution, we are obliged to comply with the law and Bank of Lithuania regulations. If you have any concerns regarding the situation feel free to contact us at hello@zen.com.
Ged Matthews
March 10, 2026
I installed app thinking this was some kind of cashback card for shopping. But from what I've learned, I will need to top up money to this card in order to use It. Seems complicated & found the app very AI driven with no straight forward instructions on how to use. For verification I had to upload Driving Licence & proof of address? for a cashback card? confusing, closing account & uninstalling. I have Zilch and it serves my purpose of shopping discounts, I assumed this was similar. It isn't
Did you find this helpful?
ZEN.COM
March 12, 2026
Hello, thank you for your feedback. ZEN.COM offers various payment features and bonuses, so you could give us a try! We understand the setup may seem complex at first. We’re constantly improving the UX/UI to make the app more intuitive. You can find navigation tips here: Managing ZEN App Settings. Contact us at hello@zen.com if you have questions.
Herbert Krottendorfer
February 15, 2026
More than 80€ p. a. plus heavy service fees for a card most banks offer for free is too expensive. +++++I cannot delete the account again.
4 people found this review helpful
Did you find this helpful?
ZEN.COM
February 16, 2026
Hello, thank you for your comment. We’re sorry to hear that you’re dissatisfied. Please note that shopping using the ZEN card is free of charge. Information about other applicable fees can be found in our pricing section and on our website. We’re ready to assist you with any requests you may have — please contact us at hello@zen.com. Regards

What’s new

We've added a new feature to Quests - you can now tap a Task to see tips along the way. Instant Cashback also has a refreshed look, with sorting to help you find the best offers faster.