After entering an incorrect PIN code three times while withdrawing money from ATM or making a payment. Your card will be temporarily blocked.
The blockade will disappear the next day (from 00:01) allowing you to enjoy using your card again.
If you have forgotten your PIN code, check here how to view it.
However, if you need to make a payment during a temporary card blockade, you can use another ZEN physical or virtual card.
Apple Pay or Google Pay allows you to perform a transaction without entering a PIN code.
For Apple Pay, the form of the confirmation for the transactions will be Face ID, Touch ID, or phone PIN code.