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!
Rate
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
| Has mobile app: | Yes |
| Has web version: | Yes |
| Contacts: | hello@zen.com |
| Languages: | English, Polish, Deutch, Spanish, French, Russian, Ukranian, Italian, Greek |
| Reference number: | 304749651 |
| Founded: | 2,015 |
| Available in these countries: | 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 |
| Jurisdiction: | LTU |
| Licenses: | EMI |
Main info
| Has trading: | No |
| Has iban: | Yes |
| Has sepa: | Yes |
| Has swift: | Yes |
| Merchant service fee: | Creative 10 EUR
Smart 25 EUR Enterprise 100 EUR Supreme 500 EUR |
| Service fee: | 0,99-4,99 EUR |
| Main service fee text: | Gold-0,99 EUR
Platinum-4,99 EUR |
| Account opening fee: | Gold-0,99 EUR
Platinum-4,99 EUR |
| Withdrawal fee: | 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 |
| Main currency: | EUR, GBP |
| Number of currencies: | 30 |
| Conversion fee: | Free currency exchange: To €5 000 / month, above 0.3% fee |
| Cashback: | Up to 15% of cashback rate when using the offers from ZEN partners |
| Bonus: | 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. |
| Business account service fee: | Creative - 10 EUR
Smart - 25 EUR Enterprise - 100 EUR Supreme - 500 EUR |
| Other currencies: | 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 |
Card
Money transfer
Business account
Merchant
Card
| Has virtual card | Yes |
| Has multicurrency card | Yes |
| Payment card type | Debit |
| Virtual card pricing | Free |
| Card provider | Mastercard |
| Card limits | 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 £ |
| Number of virtual cards: | 3 - 5 |
| Atm withdrawal fee percent: | 1.5% |
Money transfer
| Money transfer speed (days): | 1 |
| Money transfer fee percent: | 0.1% |
Business account
| Business account has IBAN | Yes |
| Business account has SEPA | Yes |
| Business account has SWIFT | Yes |
| Business account has business card | Yes |
| Business account service fee | Creative - 10 EUR
Smart - 25 EUR Enterprise - 100 EUR Supreme - 500 EUR |
| Business account P2P fee | 20 payment methods. 0-8% |
| Business account withdrawal methods & fees | - 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 € |
| Business account deposit methods and fees percent: | 8% |
| Business account withdrawal methods and fees percent: | 0.3% |
Merchant
| Merchant service fee | Creative 10 EUR
Smart 25 EUR Enterprise 100 EUR Supreme 500 EUR |
