ZEN is a modern finance solution designed to make personal money management effortless and stress-free. With a single mobile-based account, ZEN offers control over shopping expenses, seamless multi-currency management, and enhanced protection for purchases. From extending warranties to receiving instant cashback and refunds, ZEN provides a comprehensive suite of tools to streamline everyday financial tasks.
One Account, Many Currencies
ZEN allows users to hold and manage multiple currencies within a single account. With its own IBAN, the account functions like a traditional bank account, yet without the limitations. Users can collect, store, and spend currencies freely, avoiding unnecessary fees and gaining full control over online and offline payments.
1-Year Warranty Extension
Purchases made with the ZEN Mastercard® automatically receive an extended manufacturer’s warranty for an additional year. No extra paperwork or procedures are needed—everything is managed directly through the ZEN app, offering peace of mind for valuable purchases.
Zen Care – Shopping Protection
ZEN Care ensures that defective or damaged products can be returned and refunded quickly. If an ordered item arrives broken or faulty, the refund is processed directly to the ZEN account, eliminating delays and unnecessary hassle.
Instant Cashback Rewards
The ZEN account offers up to 15% cashback on purchases made through special links. After checking out with a ZEN Mastercard®, the cashback is instantly reflected in the account balance, providing immediate rewards for everyday spending.
ZEN Shopping Mastercard®
ZEN provides both physical and virtual Mastercard® options, giving users flexibility in managing online and offline transactions. This card integrates seamlessly with the app, allowing purchases in multiple currencies without hidden fees, making it ideal for frequent online shoppers.
Online Shopping with No Extra Costs
ZEN eliminates transaction fees on online purchases made in foreign currencies. The amount displayed is the amount charged, one-to-one, ensuring transparency. ATM withdrawals in multiple currencies are also free, depending on the chosen plan, simplifying access to funds globally.
Flexible Plans to Suit Your Needs
ZEN offers both free and paid plans that can be adjusted to personal preferences. Users can choose the plan that fits their spending habits and financial goals, ensuring a tailored experience for every type of shopper.
FAQs
Q1: Can I hold multiple currencies in a ZEN account?
Yes. ZEN allows storing and spending multiple currencies with no extra fees, all within a single account.
Q2: How does the 1-year warranty extension work?
Purchases made with the ZEN Mastercard® automatically extend the manufacturer’s warranty by one year, with no additional paperwork needed.
Q3: What is Zen Care shopping protection?
Zen Care provides fast refunds for defective or damaged products, wiring money directly back to the ZEN account.
Q4: How does the cashback system work?
By using special cashback links and the ZEN Mastercard®, users can earn up to 15% cashback instantly added to their account balance.
Q5: Are there fees for online purchases in foreign currencies?
No. ZEN ensures one-to-one pricing for online purchases in other currencies, and certain plans include free ATM withdrawals worldwide.
Version History
v1.140.5—3 Mar, 2026
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.
v1.139.1—7 Feb, 2026
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.
v1.139.0—7 Feb, 2026
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.
