ZEN subscription plans let you choose the set of features, fees, and benefits that fit how you use your ZEN account. You can choose a Free plan or a paid plan with more benefits, such as additional cards, lower exchange fees, higher free ATM cash withdrawal limits, shopping protection, or Reward Zone access.
You can change your plan anytime in the ZEN.COM app.
Plans for individual customers
Individual customers can choose from Free, Gold, Platinum, and Pro.
Free
Free plan includes:
- 1 free virtual card
- Instant Cashback, reduced by 50%
- 35-currency account
- Currency exchange from min. 0.5%
- Free incoming SEPA transfers
- SWIFT transfers from 0.1% + 4.20 GBP
- ATM cash withdrawals at 1.5%
Gold
Gold plan includes:
- 1 free virtual card
- 1 free physical card with free shipping
- Instant Cashback
- ZEN Care Shopping Protection
- Currency exchange from min. 0.2%
- Free incoming SEPA transfers
- SWIFT transfers from 0.1% + 2.52 GBP
- ATM cash withdrawals free up to 200 GBP per month, then 1.5%
Platinum
Platinum plan includes:
- 3 free virtual cards
- 2 free physical cards with free shipping
- Instant Cashback
- ZEN Care Shopping Protection
- Currency exchange from min. 0%
- Free incoming and outgoing local and SEPA transfers
- SWIFT transfers from 0.1% + 2.52 GBP
- ATM cash withdrawals free up to 800 GBP per month, then 1.5%
Pro
Pro plan includes:
- 3 free virtual cards
- 2 free physical cards with free shipping
- Unlimited Reward Zone with a ZEN PRO Card
- Instant Cashback
- ZEN Care Shopping Protection
- Currency exchange from min. 0%
- Free incoming and outgoing local and SEPA transfers
- SWIFT transfers from 0.1% + 2.52 GBP
- ATM cash withdrawals free up to 800 GBP per month, then 1.5%
You can find details of each individual plan here.
Plans for business customers
Business customers can choose from Smart and Enterprise.
Smart
Smart plan includes:
- 35-currency account
- Currency exchange from min. 0.5%
- 1 free virtual card
- 1 free physical card with free shipping
- SEPA transfers at 0.1%, min. 0.84 GBP
- SWIFT transfers from 0.1% + 12.60 GBP
- ATM cash withdrawals free up to 200 GBP per month, then 2%
- Unlimited Reward Zone with a ZEN PRO Card
- Instant Cashback, reduced by 50%
- ZEN Care Shopping Protection
Enterprise
Enterprise plan includes:
- 35-currency account
- Currency exchange from min. 0%
- 3 free virtual cards
- 2 free physical cards with free shipping
- Free SEPA transfers
- SWIFT transfers from 0.1% + 2.52 GBP
- ATM cash withdrawals free up to 1,500 GBP per month, then 2%
- Unlimited Reward Zone with a ZEN PRO Card
- Instant Cashback
- ZEN Care Shopping Protection
You can learn more about each business plan here.
Paid plans and free trials
All paid plans include a monthly fee.
When you open a new ZEN Personal account, you may receive a free trial. You can also get a trial of a paid plan by applying a promo code during sign-up.