What exchange rates are applied to my transactions?

Question

What exchange rates are applied to my transactions?

Answer

With ZEN, you can exchange currencies, make payments with your ZEN card or withdraw cash from ATMs with competitive currency exchange rates, based on your plan. You can check the current currency exchange rate in the ZEN application on the currency exchange screen. The rate presented in the application already includes an exchange fee, the amount of which depends on your ZEN plan:

ZEN Plan Free Gold Platinum
Currency exchange made by you Market rate + 0.5% Market rate + 0.2% Market rate + 0.0
Currency exchange automatically made Market rate + 0.5% Market rate + 0.2% Market rate + 0.0
Currency exchange made during card purchase

Market rate + 0.5%
if transaction is made in account
currency


Mastercard® rate + 0.5% if transaction is not made in account
currency

Market rate + 0.2%
if transaction is made in account
currency


Mastercard® rate + 0.2% if transaction is not made in account
currency

Market rate + 0.0%
if transaction is made in account
currency


Mastercard® rate + 0.0% if transaction is not made in account
currency

Fee outside foreign exchange
market hours (from Friday 22:00 UTC to Monday 03:00 UTC)
An additional 0.4% added to the rate An additional 0.4% added to the rate An additional 0.4% added to the rate

ZEN's exchange rates are lower than those offered by regular banks. Please keep in mind that exchange rates are updated every few seconds.

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