Peacefull shoping. Mindful money.
ZEN is a Lithuanian EMI responsible for managing all types of debit card transactions - including your card purchases over the internet, money transfers at points of sale or ATMs, international payments to either bank account or individual. They're authorized and regulated by the Bank of Lithuania so you can rest assured that you'll be receiving safe service every time!
Services
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Personal IBAN
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Affiliate program
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Cashback
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SEPA
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Loyalty program
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Insurance
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Multicurrency account
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SWIFT
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Card
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Crypto
Details
2015
Yes
Yes
Yes
Yes
English, Polish, Deutsch, Spanish, French, Ukrainian, Italian, Greek
E-wallet, moneytransfer
304749651
Aland Islands, JPN, PRK, Reunion, GBR, Saint Martin, USA, AUT, BEL, CAN, CHN, CYP, CZE, ESP, EST, FIN, FRA, HKG, HUN, IND, ISL, ISR, ITA, LIE, LTU, LUX, MLT, NOR, NZL, POL, ROU, SGP, SVK, SWE, IRL, Isle of Man, NLD, SVN, DNK, BGR, HRV, DEU, GRC, PRT, CHE, ZAF, TWN, JEY, LVA, GGY, GUF, MYT, MTQ, MCO, CYM, New Zealand
LTU
EMI
Main info
No
Yes
Yes
Yes
Gold-0,99 EUR
Platinum-4,99 EUR
Gold-0,99 EUR
Platinum-4,99 EUR
GOLD account:
-IBAN account’s in EUR, USD, GBP and 27 more currencies
-Free local (SEPA)transfers:2 months- free, next for €0,10
-Free international SWIFT transfers (SHA): 1 month- free,next SHA - €3,00
-International SWIFT transfers (OUR):€10.00
-Free currency exchange: To €5 000 / month, then Above 0.3% fee
-Free ATM withdrawal: To €300 / month, then above 1.5% fee
-Free top-ups: Card, Blik, Apple & Google Pay. To €3 000 / month, above 0.5% fee
-Paid top-ups: PaySafeCash, Webmoney, iDeal. In-app dynamic pricing depending on the method
PLATINUM account:
- IBAN account’s in EUR, USD, GBP and 27 more currencies
-Free local (SEPA)transfers:10 months- free, next for €0,10
-Free international SWIFT transfers (SHA): 2 month- free, next SHA - €3,00
-International SWIFT transfers (OUR):€10.00
-Free currency exchange: Unlimited
-Free ATM withdrawal: To €700 / month, then above 1.5% fee
-Free top-ups: Card, Blik, Apple & Google Pay. To €5 000 / month, above 0.5% fee
-Paid top-ups: PaySafeCash, Webmoney, iDeal. In-app dynamic pricing depending on the method
-Free local (SEPA)transfers: 2 months- free, next for €0,10
-Free international SWIFT transfers (SHA): 1 month- free,next SHA - €3,00
-International SWIFT transfers (OUR):€10.00
EUR, GBP
30
Free currency exchange: To €5 000 / month, above 0.3% fee
NZD, AED, AUD, BGN, CAD, CHF, CZK, DKK, HKD, HRK, HUF, ILS, JPY, NOK, PLN, QAR, RON, SAR, SEK, SGD, THB, TRY, USD, ZAR, CNY, MXN, KES, UGX
Up to 15% of cashback rate when using the offers from ZEN partners.
One-year extended warranty for the electronics you purchased. You paid with your ZEN Mastercard® and something went wrong? The merchant refused to help you or someone scammed you? Just select the transaction in your transaction history and click Get Refund. Then describe your problem and attach any necessary documentation.
Card
Money transfer
Business account
Merchant
Yes
Yes
Yes
Debit
Mastercard
Free
Fre
Gold--Free ATM withdrawal: To €300 / month, above 1.5% fee
Platinum- Free ATM withdrawal: To €700 / month, above 1.5% fee
Creative: To €800 / month, above 1.5% fee
Smart: To €1 000 / month, above 1.5% fee
Enterprise: To €2 000 / month, above 1.5% fee
Supreme: To €5 000 / month, above 1.5% fee
For cards which settlement currency is EUR – maximum up to 30000 €
For cards which settlement currency is PLN – maximum up to 120 000 PLN
For cards which settlement currency is GBP – maximum up to 30 000 £
3 - 5
1
Yes
Yes
Yes
Yes
Creative - 10 EUR
Smart - 25 EUR
Enterprise - 100 EUR
Supreme - 500 EUR
20 payment methods. 0-8%
- IBAN account’s in EUR, USD, GBP and 31 more currencies
- Free currency exchange: from To €10 000 / month- unlimited, above 0.3% fee
-Free international SWIFT transfers (SHA): 3 / month- 50 / month, next for €3.00
- International SWIFT transfers (OUR) - 10 €
8%
0.3%
Yes
No
Creative 10 EUR
Smart 25 EUR
Enterprise 100 EUR
Supreme 500 EUR
Gold : To €300 / month, above 1.5% fee
Platinum: To €700 / month, above 1.5% fee
User Reviews
I like the benefits of using the card like cashback for online shopping and nice exchange rate if paying in different currency. Overall the app is simple and minimalistic. Also connected to Binance for withdrawals. Recommended. :)
Business account - not recommended
unclear questions, unfamiliarity with how companies operate in different countries, unsupportive staff, time, time and nothing....