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ZEN.COM provides a financial platform with multi-currency accounts and payment cards for individuals and businesses. It facilitates international money transfers and currency exchange with competitive rates and transparent fees, alongside features like cashback and extended warranty on purchases.
Feature Matches10/15
See all10/15
Must Have
5 of 5
Mid-Market Exchange Rate Transfers
Transparent Low Fees
Multi-Currency Account
Borderless Debit Card
Fast Transfer Execution
Other
5 of 10
API Integration
Business Account Features
Mobile App
Regulatory Compliance
Customer Support
Batch Payments
Real-Time Rate Alerts
Invoice Creation
Spending Analytics
Multi-User Access
PricingTiered
See allTiered
Free
€0.00 monthly
- Apple Pay & Google Pay
- 1 virtual card
- Free worldwide card shipping
- Multi-currency account (28 currencies)
- Internal ZEN Transfers Free
- SEPA transfers (in) Free
- Reduced by 50% Instant Cashback
- min. 0.60% Best currency exchange rates
- 1.5% ATM Withdrawal Fees (Worldwide)
- 0.50 EUR Local transfers (Out)
- 0.25 EUR SEPA transfers (out)
- 0.10% + 5 EUR SWIFT transfers (SHA)
- 0.25 - 0.50 EUR Local transfers (In)
Gold
€0.90 monthly
- Apple Pay & Google Pay
- 1 virtual card
- 1 physical card
- Free worldwide card shipping
- Multi-currency account (28 currencies)
- Internal ZEN Transfers Free
- SEPA transfers (in) Free
- Free Extended Warranty on electronics (+1 year, 1 500 EUR insurance value)
- min. 0.30% Best currency exchange rates
- Up to 200 EUR / mc – 0% ATM Withdrawal Fees (Worldwide), Above – 1.5%
- 0.25 - 0. 50 EUR Local transfers (Out)
- 0.25 EUR SEPA transfers (out)
- 0.10% + 3 EUR SWIFT transfers (SHA)
- 0.25 - 0.50 EUR Local transfers (In)
Platinum
€6.90 monthly
- Apple Pay & Google Pay
- 3 virtual cards
- 2 physical cards
- Free worldwide card shipping
- Multi-currency account (28 currencies)
- Internal ZEN Transfers Free
- SEPA transfers (in) Free
- min. 0.10% Best currency exchange rates
- Up to 800 EUR / mc – 0% ATM Withdrawal Fees (Worldwide), Above - 1.5%
- Free Local transfers (Out)
- Free SEPA transfers (out)
- 0.10% + 3 EUR SWIFT transfers (SHA)
- 0.25 - 0.50 EUR Local transfers (In)
Pro
€6.90 monthly
- Apple Pay & Google Pay
- 3 virtual cards
- 2 physical cards
- Free worldwide card shipping
- Multi-currency account (28 currencies)
- Internal ZEN Transfers Free
- SEPA transfers (in) Free
- Free Extended Warranty on electronics (+2 years, 5 000 EUR insurance value)
- Unlimited Reward Zone
- ZEN Care - Shopping Protection
- min. 0.10% Best currency exchange rates
- Up to 800 EUR / mc – 0% ATM Withdrawal Fees (Worldwide), Above - 1.5%
- Free Local transfers (Out)
- Free SEPA transfers (out)
- 0.10% + 3 EUR SWIFT transfers (SHA)
- 0.25 - 0.50 EUR Local transfers (In)
- Limited Reward Zone
SMART (Business Account)
€25.00 monthly
- IBAN accounts in EUR, USD, GBP and 25 more currencies
- Multiple top-up methods
- Reward Zone (up to 4% special cashback)
- Instant Cashback (up to 15%)
- ZEN Care - Shopping Protection
- Free Extended Warranty on electronics (+2 years)
- Apple Pay & Google Pay
- 1 Free physical card
- 1 Free virtual card
- Free worldwide Card shipping
- From Mid Rate + 0.60% Best currency exchange rates
- 0.10% (minimum 1 EUR) Local SEPA transfers
- 0.10% + 15 EUR International SWIFT transfers (SHA)
- From 0.10 + 25 EUR International SWIFT transfers (OUR)
- Free up to 200 EUR / mo. ATM Withdrawal Fees (Worldwide), Above 2% fee
ENTERPRISE (Business Account)
€100.00 monthly
- IBAN accounts in EUR, USD, GBP and 25 more currencies
- Multiple top-up methods
- Reward Zone (up to 4% special cashback)
- Instant Cashback (up to 15%)
- ZEN Care - Shopping Protection
- Free Extended Warranty on electronics (+2 years)
- Apple Pay & Google Pay
- 2 Free physical cards
- 3 Free virtual cards
- Free worldwide Card shipping
- From Mid Rate + 0.1% Best currency exchange rates
- Free Local SEPA transfers
- 0.10% + 3 EUR International SWIFT transfers (SHA)
- From 0.1 + 15 EUR International SWIFT transfers (OUR)
- Free up to 1 500 EUR / mo. ATM Withdrawal Fees (Worldwide), Above 2% fee
Rationale
ZEN.COM offers a multi-currency account for both personal and business use, allowing users to hold, exchange, and transfer money in various currencies. They explicitly mention 'best currency exchange rates' which are 'From Mid Rate + X%', indicating a mid-market approach with a transparent fee. They also offer physical and virtual cards for spending abroad, and emphasize fast transfers. Business accounts include features like multi-currency management and payment gateway services. The website also highlights their mobile app, regulatory compliance, and customer support.
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