On 20 October 2026, we introduced new subscription plans for ZEN Personal accounts. These subscription plans replace the legacy Free, Gold, Platinum, and Pro plans.
If you currently use a Free, Gold, Platinum, or Pro plan billed in EUR, your subscription will automatically change to a new plan on 19 December 2026.
If you use a Pro plan billed in PLN, your plan will not change automatically. You can continue using it under your current terms until you choose to switch to a new plan or cancel your subscription.
See the pricing of legacy subscription plans (Free, Gold, Platinum, Pro) here.
See the pricing of new subscription plans (Good, Better, Best, ZEN) here.
Choose your current subscription plan below to see which new plan you’ll get and what will change.
I have a Free plan
Your Free plan will automatically change to the new Good plan on 19 December 2026.
The Good plan has no monthly subscription fee, so you’ll continue to pay no fee for keeping your ZEN account open.
Once your plan changes to Good, the following changes apply:
- You can exchange up to 1000 EUR per month with no additional currency exchange fee. A 0.5% fee applies above this amount. On the legacy Free plan, there was no fee-free currency exchange.
- You can send SEPA Instant transfers for 0.25 EUR per transfer. On the legacy Free plan, SEPA Instant transfers were not available.
- The ATM cash withdrawal fee changes from 1.5% to 1.75%.
- The cryptocurrency top-up fee changes from 0.5% to 1%.
- The cryptocurrency transfer fee changes from 2% to 2.5%.
I have a Gold plan
Your Gold plan will automatically change to the new Better plan on 19 December 2026.
The monthly subscription fee changes from 0.90 EUR to 2.99 EUR.
Once your plan changes to Better, the following changes also apply:
- You get access to new Zenefits if you are a resident of Poland, Czechia, Hungary, Romania, or Lithuania:
- ZEN Care Shopping Protection becomes unlimited. The 10% fee that applied when we recovered your transaction no longer applies.
- You get full access to Reward Zone and can order a new ZEN card with Reward Zone included.
- You can exchange up to 3000 EUR per month with no additional currency exchange fee. A 0.25% fee applies above this amount.
- The fee for outgoing local transfers in GBP changes from 0.50 EUR to 0.75 EUR + 0.05%.
- The fee for outgoing local transfers in RON changes from 0.50 EUR to 0.75 EUR + 0.05%.
- The ATM cash withdrawal fee above 200 EUR per month changes from 1.5% to 1.75%.
I have a Platinum plan
Your Platinum plan will automatically change to the new Best plan on 19 December 2026.
The monthly subscription fee changes from 6.90 EUR to 6.99 EUR.
Once your plan changes to Best, the following changes also apply:
- You get access to new Zenefits for shopping and travel if you are a resident of Poland, Czechia, Hungary, Romania, or Lithuania:
- Best Price Cover - learn more here.
- ATM Anti-Theft - learn more here.
- Flight Claim Assistant - learn more here.
- Event Ticket Cover - learn more here.
- Airline Failure Assistant - learn more here.
- Travel Agency Failure Assistant - learn more here.
- Personal Liability Cover for Travel - learn more here.
- Travel & Baggage Delay Cover - learn more here.
- You get access to a new Zenefit for travel if you are a resident of Poland:
- You get full access to Reward Zone and can order a new ZEN card with Reward Zone included.
- You can order up to 6 virtual ZEN cards for free.
- You can order 1 physical ZEN card for free.
- A 0.1% markup over the card network rate applies to card purchases made in a currency we don't yet support for holding in your account.
- The ATM cash withdrawal fee above 800 EUR per month changes from 1.5% to 1.75%.
I have a Pro plan billed in EUR
Your Pro plan will automatically change to the new Best plan on 19 December 2026.
The monthly subscription fee changes from 6.90 EUR to 6.99 EUR.
Once your plan changes to Best, the following changes also apply:
- You get access to new Zenefits for shopping and travel if you are a resident of Poland, Czechia, Hungary, Romania, or Lithuania:
- Best Price Cover - learn more here.
- ATM Anti-Theft - learn more here.
- Flight Claim Assistant - learn more here.
- Event Ticket Cover - learn more here.
- Airline Failure Assistant - learn more here.
- Travel Agency Failure Assistant - learn more here.
- Personal Liability Cover for Travel - learn more here.
- Travel & Baggage Delay Cover - learn more here.
- You get access to a new Zenefit for travel if you are a resident of Poland:
- Extended Warranty for newly registered eligible products covers them for up to 12 months, with a maximum claim amount of 5000 EUR.
- You can order up to 6 virtual ZEN cards for free.
- You can order 1 physical ZEN card for free.
- The ATM cash withdrawal fee above your monthly free withdrawal limit changes from 1.5% to 1.75%.
- A 0.1% markup over the card network rate applies to card purchases made in a currency we don't yet support for holding in your account.
I have a Pro plan billed in PLN
Your Pro plan billed in PLN will not automatically change to a new plan on 19 December 2026.
You can continue using your Pro plan for 9.99 PLN per month, with your existing card and benefits, until you choose to change your plan or cancel your subscription.
You can switch to one of the new subscription plans at any time in the ZEN.COM app. Once you switch, you can’t return to the Pro plan billed in PLN.
I don’t agree with the changes
Your legacy plan will automatically change to the new plan 60 days after you receive the email with details about the changes.
If you don’t agree with the new terms, you can close your ZEN account at no cost before the changes take effect.