What is a physical card?

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A ZEN physical card is a plastic card linked to your account. You can use it for everyday payments online, at POS terminals, and for ATM withdrawals.

You always have access to your full card details in the ZEN.COM app. This means you can check what you need securely, even if the information is not printed on the card itself.


How much does a physical card cost?

The cost of a ZEN physical card depends on your subscription plan. In some plans, your first physical card is free. In others, you can get several physical cards at no cost.

If you remove a physical card from your ZEN account, it still counts toward the number of used free physical cards included in your plan.

If a card issuance fee applies, it is always shown in the app and charged automatically when you order the card.


Physical card fees by plan

Subscription plan Good Better Best ZEN Smart (Business) Enterprise (Business)
Ordering a physical card 9.99 EUR

First physical card - no fee*

Subsequent - 9.99 EUR

First physical card - no fee

Subsequent - 9.99 EUR

First physical card - no fee

Subsequent - 9.99 EUR

First physical card - no fee

Subsequent - 10 EUR

Two physical cards - no fee

Subsequent - 10 EUR

* If your Better subscription plan is a trial, a 2.99 EUR card delivery fee applies.


Ordering a physical card

You can order a physical card directly in the ZEN.COM app. For step-by-step instructions, see How to order a physical ZEN card

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