Peacefull shoping. Mindful money.

Zen
E-wallet
Payment Processing
Business
Merchant
Personal
Multi-currency
Debit card
Virtual Card
SWIFT
SEPA
IBAN
Mobile Apps

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

  • Personal IBAN

  • Affiliate program

  • Cashback

  • SEPA

  • Loyalty program

  • Insurance

  • Multicurrency account

  • SWIFT

  • Card

  • Crypto

Details

Details
Founded:

2015

Has mobile app:

Yes

Has web version:

Yes

Has apple pay:

Yes

Has google pay:

Yes

Contacts:
Languages:

English, Polish, Deutsch, Spanish, French, Ukrainian, Italian, Greek

Emi type:

E-wallet, moneytransfer

Reference number:

304749651

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

Main info
Has trading:

No

Has IBAN:

Yes

Has SEPA:

Yes

Has SWIFT:

Yes

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

P2P fee:

-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

Main currency:

EUR, GBP

Number of currencies:

30

Conversion fee:

Free currency exchange: To €5 000 / month, above 0.3% fee

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

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.

Card

Money transfer

Business account

Merchant

Card
Has card:

Yes

Has virtual card:

Yes

Has multicurrency card:

Yes

Payment card type:

Debit

Card provider:

Mastercard

Virtual card pricing:

Free

Issuing fee:

Fre

ATM withdrawal fee:

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

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

Money transfer
Money transfer speed (days):

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
Has recurring payments:

Yes

Accepting crypto payments:

No

Merchant service fee:

Creative 10 EUR
Smart 25 EUR
Enterprise 100 EUR
Supreme 500 EUR

Fee for receiving payments:

Gold : To €300 / month, above 1.5% fee

Platinum: To €700 / month, above 1.5% fee

User Reviews

Panteleimon

Scammed 12000€

They gave my money to someone facebk over 12000€ and they don't even answer. See you at the court scammers

Jakob

Horrible company

They accept no responsibility, stand behind illegal gambling businesses and are in no standard to operate as a payment processor. Have reported chargeback via bank.

Kuba

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. :)

Kamil

Business account - not recommended

unclear questions, unfamiliarity with how companies operate in different countries, unsupportive staff, time, time and nothing....

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