Notre verdict
ZEN.com is a Lithuanian, EEA-licensed money app offering a multi-currency account, virtual and physical Mastercards, cashback and an extended buyer-protection feature. It is a capable everyday-spending option in Europe, with the best rates and perks gated behind paid tiers and a relatively young brand.
Avantages
- Multi-currency account with Mastercard
- Cashback on eligible purchases
- Extended buyer-protection feature
- EEA e-money licensed
- Free virtual cards
Inconvénients
- Best perks require paid tiers
- Support can be slow
- Newer, less-established brand
- Feature availability varies by country
Frais et infos clés
| Inscription | Free |
|---|---|
| Frais mensuels | Free plan; paid premium tiers |
| Envoyer / recevoir | Free ZEN-to-ZEN |
| Taux de change | Small margin on free; better on higher tiers |
| Retraits | Free ATM up to a cap, then fee |
| Carte | Yes — virtual & physical Mastercard |
| Disponibilité | EEA + UK |
| Devises | 30+ currencies |
| Création | 2019 |
| Siège | Vilnius, Lithuania |
| Réglementation | Bank of Lithuania (EMI), EEA-licensed |
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ZEN.com — frequently asked questions
Is ZEN.com safe to use?
ZEN.com is regulated by Bank of Lithuania (EMI), EEA-licensed and uses standard protections such as encryption and two-factor authentication. As with any provider, make sure it is licensed in your country, use a strong password and never share one-time codes.
What fees does ZEN.com charge?
Account/monthly fee: Free plan; paid premium tiers. Sending or receiving: Free ZEN-to-ZEN. Currency conversion: Small margin on free; better on higher tiers. Withdrawals: Free ATM up to a cap, then fee. Fees can change and may vary by country, so always confirm the latest terms on the official ZEN.com site.
Which countries can use ZEN.com?
ZEN.com is available in EEA + UK. Exact availability, currencies and features can differ by country, so check the provider's site for your location.
Does ZEN.com offer a card?
Yes — virtual & physical Mastercard. It supports 30+ currencies.
What is ZEN.com best for?
ZEN.com is best for everyday spending with cashback. ZEN.com is a Lithuanian, EEA-licensed money app offering a multi-currency account, virtual and physical Mastercards, cashback and an extended buyer-protection feature.
Who is behind ZEN.com and where is it based?
ZEN.com launched in 2019 and is based in Vilnius, Lithuania, regulated by Bank of Lithuania (EMI), EEA-licensed.
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