ZEN does not charge any fees or commissions for using the card worldwide.
However, be aware that ATM networks, both in your home country and abroad, may impose additional fees for using their terminals - this is called surcharge. When withdrawing funds, you should always make sure that the ATM does not charge additional fees. The easiest way to verify this is on the transaction summary, before it is approved - the payout amount will be increased by the commission value. If the information was not displayed and the fee was still charged, please contact us to resolve the matter.
Surcharge is completely independent from ZEN.
Other additional costs that you may face that we have no power over are DCC (Dynamic Currency Conversion). This option is converting the transaction into the currency chosen by you. It does not necessarily match the currency of your card. The currency is exchanged at the rate used by the merchant of the transaction, not at attractive ZEN rates. To avoid additional DCC costs, always choose the local currency of the country you are currently in. This way you will avoid an unfavorable, up to 15% higher currency conversion. Before making each transaction, information about the costs and exchange rate should be displayed.