What fees apply to transfers?

Updated:

Transfer fees depend on the type of transfer and your ZEN plan. Below, you’ll find how fees work for different transfer methods such as SWIFT, SEPA, ELIXIR, Faster Payments, Local, Card, PrivatMoney, Internal transfers, and ZEN Buddies.

Knowing your plan’s current pricing helps you avoid unexpected costs before sending or receiving money. You can always check the latest official version for Individual Pricing (UK) and Business Pricing (UK) on the ZEN.COM website. If there’s any difference between the pricing table below and the PDF version, the PDF Pricing is the valid source.

Fees for transfers available in ZEN.COM

Plan Free Gold Platinum Pro Smart (Business) Enterprise (Business)
Incoming SWIFT 0.10% + 4.20 GBP 0.10% + 2.52 GBP 0.10% + 2.52 GBP 0.10% + 2.52 GBP 0.10% + 12.60 GBP 0.10% + 2.52 GBP
Outgoing SWIFT – SHA 0.10% + 4.20 GBP 0.10% + 2.52 GBP 0.10% + 2.52 GBP 0.10% + 2.52 GBP 0.10% + 12.60 GBP 0.10% + 2.52 GBP

Outgoing SWIFT – OUR

Country categories are available on the last page of ZEN Pricing

Category 1 –
0.10% + 21.00 GBP
Category 2 –
0.10% + 29.40 GBP
Category 3 –
0.10% + 42.00 GBP
Category 1 –
0.10% + 12.60 GBP
Category 2 –
0.10% + 21.00 GBP
Category 3 –
0.10% + 33.60 GBP
Category 1 –
0.10% + 12.60 GBP
Category 2 –
0.10% + 21.00 GBP
Category 3 –
0.10% + 33.60 GBP
Category 1 –
0.10% + 12.60 GBP
Category 2 –
0.10% + 21.00 GBP
Category 3 –
0.10% + 33.60 GBP
Category 1 –
0.10% + 21.00 GBP
Category 2 –
0.10% + 29.40 GBP
Category 3 –
0.10% + 42.00 GBP
Category 1 –
0.10% + 12.60 GBP
Category 2 –
0.10% + 21.00 GBP
Category 3 –
0.10% + 33.60 GBP
Incoming SEPA (standard & instant) Free Free Free Free Free Free
Outgoing SEPA (standard & instant) 0.21 GBP 0.21 GBP Free Free 0.10% (min. 0.84 GBP) Free
Incoming Local in GBP 0.42 GBP 0.42 GBP Up to 50 transfers per
month – free
Next – 0.42 GBP
Up to 50 transfers per
month – free
Next – 0.42 GBP
Free Free
Outgoing Local in GBP 0.42 GBP 0.42 GBP Free Free 0.10% (min. 0.84 GBP) Free
Outgoing Local in other currencies than listed 
above
0.42 GBP 0.42 GBP Free Free 0.10% (min. 0.84 GBP) Free
Internal transfers
(between ZEN Clients) and ZEN Buddies
Free Free Free Free

Internal transfer — Free

ZEN Buddies unavailable

Internal transfer — Free

ZEN Buddies unavailable

Outgoing Transfer To Card 1.00% 1.00% 1.00% 1.00% 1.00% 1.00%
Incoming Transfer to
ZEN Card
3.00% 3.00% 3.00% 3.00% 3.00% 3.00%

An additional high-risk transfer processing fee may apply to selected recipients. Learn more about high-risk transfers.

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