Transfer fees depend on the type of transfer and your ZEN.COM subscription 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 ZEN.COM subscription plan's current pricing helps you avoid unexpected costs before sending or receiving money. You can always check the latest official version of Pricing for ZEN Personal accounts and Pricing for ZEN Business accounts 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.
New ZEN.COM subscription plans are now available for ZEN Personal accounts
If you’re looking for details or pricing for a legacy Free, Gold, Platinum, or Pro plan, see: What happens to my legacy ZEN Personal subscription plan?
Fees for transfers available in ZEN.COM
| Subscription plan | Good Plan | Better Plan | Best Plan | ZEN Plan | Smart (Business) Plan | Enterprise (Business) Plan |
|---|---|---|---|---|---|---|
| Incoming SWIFT | 0.1% + 5.00 EUR | 0.1% + 3.00 EUR | 0.1% + 3.00 EUR | 0.1% + 3.00 EUR | 0.1% + 15.00 EUR | 0.1% + 3.00 EUR |
| Outgoing SWIFT – SHA | 0.1% + 5.00 EUR | 0.1% + 3.00 EUR | 0.1% + 3.00 EUR | 0.1% + 3.00 EUR | 0.1% + 15.00 EUR | 0.1% + 3.00 EUR |
|
Outgoing SWIFT – OUR Country categories are available on the last pages of ZEN Pricing |
Category 1 – 0.1% + 25.00 EUR Category 2 – 0.1% + 35.00 EUR Category 3 – 0.1% + 50.00 EUR |
Category 1 – 0.1% + 15.00 EUR Category 2 – 0.1% + 25.00 EUR Category 3 – 0.1% + 40.00 EUR |
Category 1 – 0.1% + 15.00 EUR Category 2 – 0.1% + 25.00 EUR Category 3 – 0.1% + 40.00 EUR |
Category 1 – 0.1% + 15.00 EUR Category 2 – 0.1% + 25.00 EUR Category 3 – 0.1% + 40.00 EUR |
Category 1 – 0.1% + 25.00 EUR Category 2 – 0.1% + 35.00 EUR Category 3 – 0.1% + 50.00 EUR |
Category 1 – 0.1% + 15.00 EUR Category 2 – 0.1% + 25.00 EUR Category 3 – 0.1% + 40.00 EUR |
|
Outgoing Mastercard XBS Country categories are available on the last pages of ZEN Pricing |
Category 1 – 5.00 EUR Category 2 – 0.5% + 5.00 EUR Category 3 – 2% + 5.00 EUR |
Category 1 – 4.00 EUR Category 2 – 0.5% + 4.00 EUR Category 3 – 1.75% + 4.00 EUR |
Category 1 – 3.00 EUR Category 2 – 0.5% + 3.00 EUR Category 3 – 1.75% + 3.00 EUR |
Category 1 – 3.00 EUR Category 2 – 0.4% + 3.00 EUR Category 3 – 1.5% + 3.00 EUR |
Category 1 – 0.1% + 3.00 EUR Category 2 – 0.35% + 3.00 EUR Category 3 – 0.50% + 3.50 EUR Category 4 – 1.25% + 8.50 EUR |
Category 1 – 2.00 EUR Category 2 – 0.25% + 2.00 EUR Category 3 – 0.40% + 2.50 EUR Category 4 – 1.15% + 7.50 EUR |
| Incoming SEPA (standard & instant) | Free | Free | Free | Free | Free | Free |
| Outgoing SEPA (standard & instant) | 0.25 EUR |
First 5 transfers: Free More: 0.25 EUR |
Free | Free | 0.1% (min. 1.00 EUR) | Free |
| Incoming Local in PLN (standard & instant) | Free | Free | Free | Free | Free | Free |
| Outgoing Local in PLN (standard) | 0.50 EUR | 0.25 EUR | Free | Free | 0.1% (min. 1.00 EUR) | Free |
| Outgoing Local in PLN (instant) | 1.00 EUR | 0.50 EUR | Free | Free |
Currently 0.50 EUR (Standard fee: 1.00 EUR) |
Currently free (Standard fee: 0.25 EUR) |
| Incoming Local in GBP | Free | Free | Free | Free | Free | Free |
| Outgoing Local in GBP | 1 EUR + 0.1% | 0.75 EUR + 0.05% | Free | Free | 0.1% (min. 1.00 EUR) | Free |
| Incoming Local in RON | Free | Free | Free | Free | Free | Free |
| Outgoing Local in RON | 1 EUR + 0.1% | 0.75 EUR + 0.05% | Free | Free | 0.1% (min. 1.00 EUR) | 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% | 1% | 1% | 1% | 1% | 1% |
|
Incoming Transfer to ZEN Card |
2% | 2% | 2% | 2% | 2% | 2% |
|
Outgoing Bank Transfer via PrivatMoney |
1% | 1% | 1% | 1% | Unavailable | Unavailable |
|
Outgoing Transfer To Card via PrivatMoney |
1% | 1% | 1% | 1% | Unavailable | Unavailable |
An additional high-risk transfer processing fee may apply to selected recipients. Learn more about high-risk transfers.
See also: