A ZEN virtual card is available immediately, so you can start paying without waiting for a physical card to arrive. You can use it for online payments or add it to Apple Wallet, Google Pay, Garmin Pay, or Xiaomi Pay and pay wherever you are, in-store or online.
It works like a regular card, just without the plastic. This makes it a quick and flexible option when you want to start using your card straight away.
How much does a virtual card cost?
The cost of a ZEN virtual card depends on your plan. In some plans, your first virtual card is free. In others, you can get several virtual cards at no cost.
If a card issuance fee applies, it is always shown in the app and charged automatically when you order the card.
Virtual card fees by plan
| ZEN Plan | Free | Gold | Platinum | Pro | Smart (Business) | Enterprise (Business) |
|---|---|---|---|---|---|---|
| Ordering a virtual card |
First virtual card - no fee Subsequent - 4.20 GBP |
First virtual card - no fee Subsequent - 4.20 GBP |
3 virtual cards - no fee Subsequent - 4.20 GBP |
3 virtual cards - no fee Subsequent - 4.20 GBP |
First virtual card - no fee Subsequent - 4.20 GBP |
3 virtual cards - no fee Subsequent - 4.20 GBP |
Ordering a virtual card
You can order a virtual card directly in the ZEN.COM app. The card becomes available immediately after ordering, so you can start using it straight away. For step-by-step instructions, see How to order a virtual ZEN card