If you received an email from us on 03.09.2026, it explains the upcoming updates to ZEN Terms.
Below is an overview of what’s changing and when it applies to you.
What’s changing from 03.09.2026
These updates apply from the day you receive the Terms update email.
- We've clarified in the terms that if an additional fee applies, you'll see it before you approve any action initiated in the app. This doesn't include fees charged by others, such as an ATM operator or a merchant.
- We've explained which services and functions business and ecommerce clients can use in the MY.ZEN.COM portal.
- We've added rules for Mastercard Click to Pay for ecommerce clients.
What’s coming next
These changes are announced now, but will take effect later for existing clients.
Check your email for the exact dates that apply to your account.
- We've clarified what ZEN Care covers: payments you make directly with a merchant using your ZEN card.
- We've explained how we confirm a client's identity when they ask us to close their account.
- We've introduced a maintenance fee for closed accounts that still hold unclaimed funds.
It only applies if money is left in the account after it's closed. Withdraw your balance before you close, and there's no fee. You can see the amount on our pricing pages: - We've clarified how individually agreed pricing is communicated and applied for business clients.
- We've updated how we calculate currency exchange rates for ecommerce clients.
- We've added a requirement for VASPs and other financial institution merchants to provide KYCC data.
- We've added the Terms related to acceptance of ZEN.COM CashCard for ecommerce clients.
If you disagree with the changes
If you don’t agree with the changes, you can close your ZEN account at no cost.
See also: