ZEN.COM is a multicurrency account with a card and a digital wallet that make shopping and travel better. Pay at home and abroad, get more from every purchase and travel with peace of mind – all in one app. No need to switch banks – just switch cards.

Pay better, get more, worry less
Pay with your ZEN Card in shops and online, cover your subscriptions and book your trips – by card, phone or watch. Hold up to 35 currencies in one account, exchange them at the best rates and see what you’ve spent the moment you pay. Shop like always and earn cashback at 1,000+ partner stores, straight to your account. And if an order arrives faulty, wrong or not at all, ZEN Care Shopping Protection deals with the seller for you. Higher plans add more: Reward Zone, unlimited Shopping Protection and help claiming compensation when your flight is disrupted.

Cashback deals that help you save
ZEN.COM offers you cashback on online shopping at hundreds of popular stores. Cashback rewards work with well-known brands such as AliExpress and Temu, along with many other shops. Choose the best and latest deals, save money with special cashback offers and get real money back – no points, no coupons. Saving on everyday online shopping becomes effortless.

A digital wallet with virtual and physical debit cards
ZEN.COM gives you instant access to a secure virtual card wallet for online shopping, apps and subscriptions. You can also order a physical debit card directly in the app. Use Apple Pay, Google Pay, Garmin Pay or Xiaomi Pay to make fast, contactless, secure payments wherever you shop.

Multi-currency account for everyday use
Hold and manage GBP, EUR, USD and many other currencies in a single digital wallet. Calculate and exchange foreign currency and digital money on the app at competitive rates with no hidden fees, and pay confidently at home or abroad. The ZEN.COM app is ideal for online shopping, exchanging travel money and international spending.

Send money and manage expenses
The ZEN.COM app supports fast local payment methods and international transfers. You can also send money instantly and for free to other ZEN users with ZEN Buddies, using just a phone number. Track your personal finances in one digital wallet, with all transactions and spending visible in one place.

Secure payments and purchase protection
Shopping with your ZEN card is protected. Transactions are monitored continuously, and ZEN Care offers purchase protection if something goes wrong with your order. Your money, payments and shopping are protected every step of the way.

How people in the UK use ZEN.COM
• Emma shops online to find the latest hot deals at the best prices, and uses cashback rewards to save money on everyday purchases.
• Fleur pays her subscriptions and does her online shopping using the ZEN virtual card.
• James sends secure payments, manages his personal finances and tracks monthly expenses from one mobile wallet.

Everything you need in one app
ZEN.COM brings together cashback offers, online shopping deals, secure payments, digital money transfers and expense control in one digital wallet. It’s built to help you save, spend, track and stay in control of your personal finances.

Download ZEN.COM and manage your money smarter with a modern digital card wallet.

ZEN.COM

Additional information