ZEN.COM subscription plans let you choose the set of features, fees, and benefits that fit how you use your ZEN account. Individual customers can choose from Good, Better, Best, and ZEN, while business customers can choose from Smart and Enterprise.
You can choose the Good plan for free, or a paid plan with more benefits, such as additional cards, lower exchange fees, higher free ATM cash withdrawal limits, shopping protection, or Reward Zone access. ZEN Business plans offer different limits and features for business payments, transfers, and cards.
You can manage your subscription plan anytime in the ZEN.COM app.
Subscription plans for individual customers
New ZEN.COM subscription plans are now available for ZEN Personal accounts
If you’re looking for details or pricing for a legacy Free, Gold, Platinum, or Pro plan, see: What happens to my legacy ZEN Personal subscription plan?
Individual customers can choose from Good, Better, Best, and ZEN.
Good
The Good plan includes:
- Free account with 35 currencies
- 1 free multi-currency virtual card to start shopping in seconds
- Currency exchange with no additional currency exchange fee on weekdays, up to 1000 EUR/month. A 0.50% fee applies above this amount
- Outgoing SEPA Standard and SEPA Instant transfers for 0.25 EUR
- 1 ZEN Care Shopping Protection claim when something goes wrong. Learn more about ZEN Care Shopping Protection
- Instant Cashback, reduced by 50%. Learn more about Instant Cashback
Better
The Better plan includes everything already included in the Good plan, with better limits and fees, and:
- Up to 3 free virtual cards
- First physical ZEN card for free
- Currency exchange with no additional currency exchange fee on weekdays, up to 3000 EUR/month. A 0.25% fee applies above this amount
- 5 free outgoing SEPA Standard or SEPA Instant transfers in a month, then 0.25 EUR each
- Free ATM cash withdrawals up to 200 EUR per month
- Flight Claim Assistant - get help claiming compensation. Learn more about Flight Claim Assistant
- Access to Reward Zone loyalty program, which lets you earn on every purchase. Learn more about Reward Zone
- Unlimited ZEN Care Shopping Protection claims when something goes wrong. Learn more about ZEN Care Shopping Protection
- Full Instant Cashback at 900+ stores. Learn more about Instant Cashback
If you are a resident of Poland, Czechia, Hungary, Romania, or Lithuania, you get access to new Zenefits:
- Best Price Cover on your purchases - up to 100 EUR. Learn more about Best Price Cover
- Extended Warranty for your electronics - up to 1500 EUR. Learn more about Extended Warranty
- ATM Anti-Theft - up to 100 EUR. Learn more about ATM Anti-Theft
Best
The Best plan includes everything already included in the Better plan, with higher limits on selected Zenefits, and:
- Up to 6 free virtual cards
- Currency exchange with no additional currency exchange fee on weekdays and no monthly exchange limit
- Free outgoing SEPA Standard and SEPA Instant transfers
- Free standard and instant local transfers in PLN
- Free local transfers in GBP
- Free ATM cash withdrawals up to 800 EUR per month
If you are a resident of Poland, Czechia, Hungary, Romania, or Lithuania, you get access to even more new Zenefits:
- Travel Cancellation Cover - recover up to 2500 EUR. Learn more about Travel Cancellation Cover
- Travel Delay Cover for Trip Delay, Baggage Delay, Missed Departure and Missed Connection. Learn more about Travel Delay Cover
- Flight Claim Assistant - get help claiming compensation. Learn more about Flight Claim Assistant
- Event Ticket Cover. Learn more about Event Ticket Cover
- Airline Failure Assistant. Learn more about Airline Failure Assistant
- Travel Agency Failure Assistant. Learn more about Travel Agency Failure Assistant
- Personal Liability Cover for Travel - up to 1000000 EUR. Learn more about Personal Liability Cover for Travel
ZEN
The ZEN plan includes higher limits on Zenefits already included in the Best plan, with higher limits on selected Zenefits, and:
- Up to 9 free virtual cards
- Access to the physical precision-crafted Metal Card, coming soon. Learn more about the Metal Card
- Currency exchange with no additional currency exchange fee, no monthly exchange limit, and no additional fee outside foreign exchange market hours
- No markup over the card scheme rate when you pay by card in a currency not yet supported for holding in your ZEN account
- Free outgoing local transfers
- Premium Support
If you are a resident of Poland, Czechia, Hungary, Romania, or Lithuania, you get access to:
- Rental Car Excess Cover - up to 30000 EUR. Learn more about Rental Car Excess Cover
- Flight Live Assistant - from 48 hours before departure. Learn more about Flight Live Assistant
- Flight Delay Lounge Pass if your flight is delayed by over 3 hours. Learn more about Flight Delay Lounge Pass
You can find details of each ZEN Personal subscription plan here.
Subscription plans for business customers
Business customers can choose from Smart and Enterprise.
Smart
The Smart plan includes:
- 35-currency account
- Currency exchange from min. 0.5%
- 1 free virtual card
- 1 free physical card with free shipping
- SEPA transfers at 0.1%, min. 1 EUR
- SWIFT transfers from 0.1% + 15 EUR
- ATM cash withdrawals free up to 200 EUR per month, then 2%
- Unlimited Reward Zone with a ZEN PRO card. Learn more about Reward Zone
- Instant Cashback, reduced by 50%. Learn more about Instant Cashback
- Extended Warranty: up to +2 years, up to 5 000 EUR. Learn more about Extended Warranty
- ZEN Care Shopping Protection. Learn more about ZEN Care Shopping Protection
Enterprise
The Enterprise plan includes everything already included in the Smart plan, with better limits and fees, and:
- Currency exchange from min. 0%
- Up to 3 free virtual cards
- Up to 2 free physical cards with free shipping
- Free SEPA transfers
- SWIFT transfers from 0.1% + 3 EUR
- ATM cash withdrawals free up to 1 500 EUR per month, then 2%
- Full Instant Cashback. Learn more about Instant Cashback
You can learn more about each ZEN Business subscription plan here.
Paid subscription plans and free trials
All paid subscription plans include a monthly fee.
When you open a new ZEN Personal account, you may receive a free trial. You can also get a trial of a paid subscription plan by applying a promo code during sign-up. Learn more about free trials and promo codes.