Quick Summary
Key Features
- 35-currency multi-currency account; plans: Free €0, Gold €0.90/mo, Platinum €6.90/mo, Pro €6.90/mo
- Currency exchange from 0.5% (Free), 0.2% (Gold), 0% (Platinum); free outgoing SEPA on Platinum/Pro
- Instant Cashback via Reward Zone; ZEN Care shopping protection; extended warranty on electronics
- Apple Pay, Google Pay, Garmin Pay, Xiaomi Pay
Main Advantages
- Free virtual card issuance
- Works with Apple Pay and Google Pay
- Both virtual and physical card options
Notable Limitations
- Recurring fee: €0
- Availability limited to a small number of regions
- Terms change often — the provider's live numbers are final
The cards
Every format ZEN.COM issues — pick the one that fits how you spend.
1Can I get this card?
Supported Countries Map — powered by our availability data.
ZEN.COM: Reported in 28 countries across 2 regions (United Kingdom, Europe).
Coverage reported by the provider — the exact applicant list is confirmed in-app.
2What does it cost?
Every fee we could verify for the ZEN.COM card.
Fees verified October 13, 2026 from public web sources. Fees change often — always confirm the app's live numbers before signing up. This page is for information only, not financial advice.
| Fee | ZEN.COM Virtual | ZEN.COM Physical |
|---|---|---|
| Issuance fee | €0 | €0 |
| Monthly fee | €0 | €0 |
| FX fee | Varies by region — confirm in-app | Varies by region — confirm in-app |
3What do I get?
Perks, rewards and capabilities that come with the card.
| Category | Benefit |
|---|---|
| Spending & FX | 35-currency multi-currency account; plans: Free €0, Gold €0.90/mo, Platinum €6.90/mo, Pro €6.90/mo |
| Spending & FX | Currency exchange from 0.5% (Free), 0.2% (Gold), 0% (Platinum); free outgoing SEPA on Platinum/Pro |
| Rewards | Instant Cashback via Reward Zone; ZEN Care shopping protection; extended warranty on electronics |
| Mobile wallets | Apple Pay, Google Pay, Garmin Pay, Xiaomi Pay |
| Cash access | Free worldwide card shipping on paid plans; ATM free up to €200–€800/mo depending on plan, then 1.5% |
4What do they need from me?
What you will have to provide or meet to get and use the card.
| Requirement | What it means |
|---|---|
| Identity check | ID verification required — verify your identity in the app before ordering |
| Funding | You will need a way to load the card: SEPA transfers (free incoming), Local PLN/GBP transfers, SWIFT transfers |
| Age | You must be 18 or older to apply |
Card specs
| Feature | ZEN.COM |
|---|---|
| Virtual card issuance | €0 |
| Monthly / annual fee | €0 |
| Card network | unverified |
| Card type | Virtual + Physical |
| KYC | ID verification required |
| Top-up methods | SEPA transfers (free incoming), Local PLN/GBP transfers, SWIFT transfers |
| Supported assets | — |
| Regions | United Kingdom, Europe |
Rating breakdown
Pros & cons
Pros
- 35-currency multi-currency account; plans: Free €0, Gold €0.90/mo, Platinum €6.90/mo, Pro €6.90/mo
- Currency exchange from 0.5% (Free), 0.2% (Gold), 0% (Platinum); free outgoing SEPA on Platinum/Pro
- Instant Cashback via Reward Zone; ZEN Care shopping protection; extended warranty on electronics
- Apple Pay, Google Pay, Garmin Pay, Xiaomi Pay
Cons
- Availability varies by region — confirm in-app
- Fees may change — check live numbers
Frequently asked questions
How much does the ZEN.COM virtual card cost?
The virtual card issuance fee is listed as €0. First virtual card free on all plans; subsequent virtual cards €5. Fees change often — confirm in the app.
Which countries support ZEN.COM?
ZEN.COM is available in: United Kingdom, Europe. EU electronic money institution (Polish fintech); plans billed in EUR and GBP.
Does ZEN.COM require KYC?
ID verification is required for this platform based on our research. Requirements can vary by region — check the app for your country.
What can I top up the ZEN.COM card with?
Supported top-up methods: SEPA transfers (free incoming), Local PLN/GBP transfers, SWIFT transfers.
Our verdict
ZEN.COM scores 6.8/10 in our rating system. EU multi-currency account (35 currencies) with free SEPA, instant cashback and shopping protection — free tier available.
Get the ZEN.COM card
Apply directly with the provider — check current fees and availability for your country in their app.
Visit ZEN.COM's official site →Fees verified October 13, 2026. Always confirm live numbers in-app.