Free, Gold, Platinum, and Pro are legacy plans that were available for ZEN Personal accounts before 20 October 2026. They are no longer part of the current ZEN.COM offer.
What happens to my legacy plan?
If you use a Free, Gold, Platinum, or Pro plan billed in EUR, your subscription will automatically change to a new plan on 19 December 2026. Learn more about the subscription plan changes.
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.
You can change your plan anytime in the ZEN.COM app.
What do the legacy plans include?
Free
The Free plan includes:
- 1 free virtual card
- Instant Cashback, reduced by 50%
- 35-currency account
- Currency exchange from 0.5%
- Free incoming local PLN and SEPA transfers
- SWIFT transfers from 0.1% + 5 EUR
- ATM cash withdrawals at 1.5%
Gold
The Gold plan includes:
- 1 free virtual card
- 1 free physical card with free delivery
- Instant Cashback
- ZEN Care Shopping Protection
- Extended Warranty: +1 year, up to 1 500 EUR
- Currency exchange from 0.2%
- Free incoming local PLN and SEPA transfers
- SWIFT transfers from 0.1% + 3 EUR
- ATM cash withdrawals: free up to 200 EUR per month, then 1.5%
Platinum
The Platinum plan includes:
- 3 free virtual cards
- 2 free physical cards with free delivery
- Instant Cashback
- ZEN Care Shopping Protection
- Extended Warranty: +1 year, up to 5 000 EUR
- Currency exchange from 0%
- Free incoming and outgoing local and SEPA transfers
- SWIFT transfers from 0.1% + 3 EUR
- ATM cash withdrawals: free up to 800 EUR per month, then 1.5%
Pro
The Pro plan includes:
- 3 free virtual cards
- 2 free physical cards with free delivery
- Unlimited Reward Zone with a ZEN Pro card
- Instant Cashback
- ZEN Care Shopping Protection
- Extended Warranty: up to +2 years, up to 5 000 EUR
- Currency exchange from 0%
- Free incoming and outgoing local and SEPA transfers
- SWIFT transfers from 0.1% + 3 EUR
- ATM cash withdrawals: free up to 800 EUR per month, then 1.5%
See the full pricing details for legacy ZEN.COM subscription plans.