Local transfers via Mastercard let you send money from your ZEN account to payment accounts in 12 countries across Europe and around the world. Transfers usually arrive within 1–2 working days and can cost less than SWIFT OUR transfers.
You can choose between Local transfers via Mastercard and SWIFT when sending an eligible transfer to an account number.
Where can I send Local transfers via Mastercard?
Local transfers via Mastercard are supported in the following currencies, only for transfers to the listed countries:
- GBP to the United Kingdom
- DKK to Denmark
- PLN to Poland
- SEK to Sweden
- CHF to Switzerland
- NOK to Norway
- HUF to Hungary
- USD to the United States
- MXN to Mexico
- ILS to Israel
- IDR to Indonesia
- TRY to Türkiye
How much do Local transfers via Mastercard cost?
The fee for a Local transfer via Mastercard depends on your ZEN.COM subscription plan, the destination country, and the amount you're sending.
Local transfers via Mastercard can be cheaper than SWIFT OUR transfers, especially for smaller amounts.
You can choose between Local transfers via Mastercard and SWIFT when both options are available. Check the fees before confirming your transfer to see which option works better for you.
For the full list of fees and destination country categories, see our Pricing page.
How to send Local transfers via Mastercard
You can send Local transfers via Mastercard directly from the ZEN.COM app.
When setting up a transfer to an account number, you can choose between Local transfers via Mastercard and SWIFT, depending on availability for your account and destination.
To send a transfer from your ZEN account, see this guide.
How long do Local transfers via Mastercard take?
Local transfers via Mastercard usually arrive within 1–2 working days, with most arriving within 24 hours.
For comparison, SWIFT transfers typically take 1–3 working days.
Important
All transfers in ZEN.COM go through automatic security checks required by financial institutions. These checks may occasionally delay your transfer. You can track its status directly in the ZEN.COM app.
What are the limits for Local transfers via Mastercard?
The following daily transfer limits apply:
- ZEN Personal accounts: up to 25000 USD per day.
- ZEN Business accounts: up to 100000 USD per day.
If you're sending money in another supported currency, the limit is calculated using the equivalent amount in USD.
What recipient details do I need?
To send a Local transfer via Mastercard, you'll need the recipient's payment account details.
The required information depends on the destination country. The ZEN.COM app will show which details you need to provide when setting up your transfer.
Make sure the details are correct before confirming the transfer to avoid delays or unsuccessful payments.
Can I cancel a Local transfer via Mastercard?
Once you confirm a Local transfer via Mastercard, ZEN.COM can't cancel or reverse it.
If you’d like to cancel the transfer:
- Contact the recipient’s bank to request a refund, or
- If the recipient’s account is closed or invalid, the funds will be refunded automatically.
See also: