Withdrawing cash from an ATM


How to withdraw cash from an ATM?


You can withdraw cash at any ATM all over the world. ZEN does not charge fees or commissions for that up to your monthly plan limit:

ZEN Plans Free Gold Platinum
Cash withdrawal All ATM withdrawals – 1.50% fee. Up to 200 EUR per month – free in Gold Plan.
More than 200 EUR – 1.50% fee.
Up to 800 EUR per month – free in Platinum Plan.
More than 800 EUR – 1.50% fee.


The monthly ATM withdrawal limits reset on the day your Monthly ZEN Subscription Fee is charged. To see what's your current plan and when it's renewed, please see this article.

Please be aware that ATM networks, both in your home country and abroad, may impose additional fees for using their terminals - this is called a 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.
The surcharge is completely independent of ZEN.

Another additional cost that you may face that we have no power over is DCC (Dynamic Currency Conversion). This option converts 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.

See also: Amount charged by ATM was bigger than cash received, What are the limits on card transactions?

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