ZEN.COM for peaceful payments

4.2
45.1K reviews
1M+
Downloads
Content rating
Everyone
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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 13, 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

4.2
44.7K reviews
Abner Dimetros
June 5, 2025
It was working great for the first two months, I even used the premium subscription, but then out of nowhere they decided to close my account and the only way I could get my money is through a swift transfer. They did not reimburse the transfer fee. They did not refund my subscription which I didn't get to use. ABSOLUTELY ABYSMAL SERVICE!!!
16 people found this review helpful
Did you find this helpful?
ZEN.COM
June 5, 2025
Hello, thank you for your comment. We are sorry to read about your dissatisfaction with ZEN.COM service. We assure you that ZEN.COM follows compliance rules and doesn't block access to account without a reason. You can always address your concerns at hello@ze.com. Regards
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.
Internet Tourist
March 20, 2026
Great Banking Application.. Payments are fast and secure.. I need to update my passport as mine is about to expire.. I currently don't have a replacement passport and im not sure when I'll get one.. So I wont be able to use some of the features since they don't accept driver licenses as forms of Identification. I will see your app again in the future once my hair from my recent hair transplant fully grows back and I end up getting a new passport photo. I want to look super handsome in it 😍 🥰
Did you find this helpful?
ZEN.COM
March 23, 2026
Hello, thank you for contacting us and eagerness to join ZEN. There are different documents accepted by ZEN while account opening. Write us at hello@zen.com for assistance. You can also find out more about the onboarding process by clicking the link: https://ask.zen.com/hc/en-us/articles/15924125578012-Opening-ZEN-Personal-account Regards

What’s new

We’ve improved the list of top-up options. You can now see details like fees or available currencies next to each method before choosing it.