You can withdraw cash with your ZEN Card at ATMs and in some physical stores. The way you withdraw, and where you do it, can affect the fees you pay. This guide helps you choose the best option so you can keep more of your money.
Choose the right card for cash withdrawals
If you plan to withdraw cash, we recommend using a ZEN Travel Card instead of a ZEN PRO Card.
ZEN Travel Cards are designed to help you withdraw cash like a local. In many countries, this means lower or no additional ATM fees compared to other cards.
Ways to withdraw cash
You have two options:
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Withdraw cash from an ATM
Learn how to withdraw cash from an ATM here. -
Withdraw cash in a store
Some stores offer Cash Withdrawal at Point of Sale. This lets you receive cash as part of a card purchase.
Learn how this works here.
Recommended ATM networks by country
Based on feedback from clients, we’ve listed ATM networks that are usually a better choice, and those that may charge higher fees. This can help when you’re travelling or withdrawing cash in your home country.
Please note
- Preferred ATM networks do not mean zero fees. They usually charge lower fees than the networks listed as “to avoid”.
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If an ATM asks whether you want to be charged in your card’s currency, always decline the conversion and choose the local currency instead.
For example, select PLN in Poland or EUR in Germany. This helps you avoid unfavourable exchange rates. - The ATM must inform you about any of its own fees before you confirm the withdrawal.
If no fee was shown, but the charged amount is higher than the cash you received, contact our Support Team so the transaction can be reviewed.
United Kingdom
Preferred ATM networks: RBS, HSBC, Barclays, Cardtronics UK
Belgium
Networks to avoid: Euronet
Germany
Preferred ATM networks: ING, Deutsche Bank, Commerzbank, Volksbank (excluding Sparkasse)
Networks to avoid: Sparkasse, ICCASH
Czech Republic
Preferred ATM networks: ČSOB, Komerční banka (KB)
Networks to avoid: Česká spořitelna, a.s.
Spain
Preferred ATM networks: ABANCA, ING, Ibercaja, Unicaja
France
Preferred ATM networks: BNP Paribas, Société Générale
Greece
Networks to avoid: Eurobank
Hungary
Networks to avoid: OTP Bank
Ireland
Preferred ATM networks: AIB
Italy
Networks to avoid: Euronet
Lithuania
Preferred ATM networks: Swedbank ATM
Netherlands
Preferred ATM networks: Geldmaat
Norway
Preferred ATM networks: Nordea Bank
Poland
Preferred ATM networks: Bank Pekao S.A. (bank ATMs only)
Slovakia
Networks to avoid: Tatra banka