You can send and receive international transfers with ZEN.COM using SWIFT, SEPA, or Mastercard XBS.
Each method works slightly differently and supports different regions and currencies. This guide explains how each one works and what to expect.
Tip
A business day is every day from Monday to Friday, excluding holidays. Weekends and bank holidays are not counted as business days.
Available international transfers
SWIFT transfers
SWIFT is an international network that connects financial institutions around the world. You can send funds to any supported country from the list available here.
Processing time for SWIFT: usually 1–3 business days. In exceptional cases, it may take longer.
SEPA transfers
SEPA enables payments in euros within participating European countries. ZEN.COM offers SEPA Standard and SEPA Instant transfers:
- SEPA Standard: usually takes 1–3 business days.
-
SEPA Instant: typically completes within 10 seconds.
Transfer limits for SEPA Instant are available here.
Mastercard XBS transfers
Mastercard XBS is a fast and secure solution for cheaper money movement. Transfers are processed within 1-2 business days. Currently, Mastercard XBS supports transfers in the currencies listed below, only to the countries where each currency is legal tender:
- USD to the United States
- GBP to the United Kingdom
- DKK to Denmark
- NOK to Norway
- PLN to Poland
- SEK to Sweden
- CHF to Switzerland
- TRY to Türkiye
- CZK to the Czech Republic
- ILS to Israel
- MXN to Mexico
- HUF to Hungary
How long international transfers take
Processing times vary by transfer type and receiving bank. For typical timeframes, see: How long does it take to process my transfer?
How to send an international transfer in ZEN.COM
You can send and receive international transfers in your ZEN.COM app:
- To learn how to send a transfer from your ZEN account, see this guide.
- To learn how to receive a transfer into your ZEN account, see this guide.
Can I cancel an international transfer after sending it?
Once you confirm an international transfer, it can’t be canceled or reversed by ZEN.COM. If you’d like to cancel the transfer:
- Contact the recipient’s bank to request a refund, or
- If the recipient’s account is closed or invalid, the funds will be refunded automatically.
For more information, see this guide about cancelling a bank transfer made from ZEN.COM.
See also: