Zen.com

Summary
Zen.com provides a financial app and platform for individuals and businesses to manage multiple currencies, send money internationally, and use virtual and physical cards. They offer multi-currency accounts, international money transfers, and payment gateway services for businesses, focusing on competitive rates and low fees.
Rationale
Zen.com offers multi-currency accounts for both personal and business use, along with physical and virtual debit cards for international spending. They emphasize low fees and competitive exchange rates, though they don't explicitly state 'mid-market exchange rate transfers' but rather 'Best currency exchange rates' and 'Interbank rates, margins depending on the currency pair'. They support various transfer methods including SWIFT and SEPA, and highlight fast transfers. The platform also provides business accounts with features like payment gateways and API integration, and is accessible via a mobile app. They are a licensed financial institution, indicating regulatory compliance. Customer support is also mentioned.
Pricing
Tiered
Free
€0.00/ monthly
  • Reward Zone (Limited)
  • 100 Shards for collecting Stones
  • Reduced Instant Cashback by 50% (up to 15%)
  • ZEN Care - Shopping Protection
  • Free Extended Warranty on Electronics (+1 year, 1500 EUR insurance value)
  • Apple Pay & Google Pay
  • 1 virtual card
  • Free worldwide card shipping
  • Multi-currency account (28 currencies)
  • SEPA transfers (in)
  • Internal ZEN Transfers
  • ATM Withdrawal Fees: 1.5% worldwide
  • Local transfers (Out): 0.50 EUR
  • SWIFT transfers (SHA): 0.10% + 5 EUR
  • Currency exchange rates: min. 0.60% margin
  • No physical card
Gold
€0.90/ monthly
  • Reward Zone
  • Instant Cashback (up to 15%)
  • ZEN Care - Shopping Protection
  • Free Extended Warranty on Electronics (+1 year, 1500 EUR insurance value)
  • Apple Pay & Google Pay
  • 1 virtual card, 1 physical card
  • Free worldwide card shipping
  • ATM Withdrawal Fees: 0% up to 200 EUR/month, 1.5% above
  • Multi-currency account (28 currencies)
  • SEPA transfers (in)
  • SWIFT transfers (SHA): 0.10% + 3 EUR
  • Internal ZEN Transfers
  • Local transfers (Out): 0.25 - 0.50 EUR
  • Currency exchange rates: min. 0.30% margin
Most Expensive
Platinum
€6.90/ monthly
  • Reward Zone (Unlimited)
  • Unlimited Shards & Stones collecting
  • Instant Cashback (up to 15%)
  • ZEN Care - Shopping Protection
  • Free Extended Warranty on Electronics (+2 years, 5000 EUR insurance value)
  • Apple Pay & Google Pay
  • 3 virtual cards, 2 physical cards
  • Free worldwide card shipping
  • ATM Withdrawal Fees: 0% up to 800 EUR/month, 1.5% above
  • Multi-currency account (28 currencies)
  • Local transfers (Out): Free
  • SEPA transfers (in & out): Free
  • SWIFT transfers (SHA): 0.10% + 3 EUR
  • Internal ZEN Transfers
  • Currency exchange rates: min. 0.10% margin
Payment Gateway - SMART
€25.00/ monthly
  • Payment Processing (all methods)
  • ZEN Pay: 0.35% + 0.10 EUR
  • Credit cards: IF++ 0.89% + 0.30 EUR
  • Apple Pay: IF++ 0.89% + 0.30 EUR
  • Google Pay: IF++ 0.89% + 0.30 EUR
  • Blik: 0.89% + 0.30 EUR
  • Integration with many eCommerce platforms
  • Instant Settlements
  • Multicurrency Account (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
  • ATM Withdrawal Fees: Free up to 200 EUR/month, 2% fee above
  • Currency exchange rates: From Mid Rate + 0.60%
  • Local SEPA transfers: 0.10% (min. 1 EUR)
  • International SWIFT transfers (SHA): 0.10% + 15 EUR
  • International SWIFT transfers (OUR): From 0.10% + 25 EUR
Most Expensive
Payment Gateway - ENTERPRISE
€100.00/ monthly
  • Payment Processing (all methods)
  • ZEN Pay: 0.35% + 0.10 EUR
  • Credit cards: IF++ 0.89% + 0.30 EUR
  • Apple Pay: IF++ 0.89% + 0.30 EUR
  • Google Pay: IF++ 0.89% + 0.30 EUR
  • Blik: 0.89% + 0.30 EUR
  • Integration with many eCommerce platforms
  • Instant Settlements
  • Multicurrency Account (IBAN accounts in EUR, USD, GBP and 25 more currencies)
  • Multiple top-up methods
  • Best currency exchange rates: From Mid Rate + 0.1%
  • Local SEPA transfers: Free
  • International SWIFT transfers (SHA): 0.10% + 3 EUR
  • International SWIFT transfers (OUR): From 0.10% + 15 EUR
  • 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
  • ATM Withdrawal Fees: Free up to 1500 EUR/month, 2% fee above
Features
Must Have

Transparent Low Fees

Multi-Currency Account

Borderless Debit Card

Fast Transfer Execution

Other

API Integration

Business Account Features

Mobile App

Regulatory Compliance

Customer Support