Different types of transactions in ZEN.COM have their own limits. These limits help protect your account and keep your transactions running smoothly. You’ll find all current limit values below.
These limits apply to all ZEN accounts.
Choose a transaction type to see detailed limits:
If you opened your ZEN account using a Ukrainian passport or ID card, specific limits apply.
These limits are fixed and can’t be increased.
| Transaction type | Maximum limits (cannot be changed) |
|---|---|
| Top-up | €3000 per day, €7500 per week* |
| Incoming bank transfers or ZEN Buddies transfers | €3000 per day, €10000 per week |
| Outgoing bank transfers or ZEN Buddies transfers | €6000 per day, €20000 per week |
| Outgoing card transfers | €3000 per day, €7500 per week |
| PrivatMoney transfers to Ukrainian accounts and cards | €600 per transfer, €2000 per day, €5000 per week, €9000 per month |
| Outgoing crypto transfers | €3000 per day, €7500 per week |
| Card transactions (including ATM withdrawals) | €2000 per day, €5000 per week |
* These are standard top-up limits. They may be lower depending on how and how long you use ZEN services. If your top-up was rejected, try again with a smaller amount or use a standard bank transfer instead.
Can I change my limits?
Most transaction limits in ZEN.COM are fixed and can’t be increased or adjusted. The only exception is the card transaction limit, which you can manage directly in the app.
If you reach a limit, you can:
- Wait until it refreshes (see how limits refresh below)
- Split the transaction into smaller amounts
- Use a different payment method (for example, bank transfer instead of card)
How to check my limits
At the moment, your current usage and remaining limits aren’t visible in the app. To estimate how much you can still use:
- Check your recent transactions in the ZEN.COM app
- Compare them with the limits listed above
How limits refresh
Your limits don’t reset at midnight. They refresh automatically over time:
- Daily limits cover the last 24 hours
- Weekly limits cover the last 7 days
Example: Your weekly limit is 5000 EUR, and you’ve made the following transactions:
19.07, 2:00 PM: 2000 EUR
20.07: no transactions
21.07: no transactions
22.07: no transactions
23.07, 3:30 PM: 2000 EUR
24.07: no transactions
25.07: no transactions
Your remaining limit on 25.07 is 1000 EUR. At 26.07, 2:00 PM, the 2000 EUR transaction from 19.07 drops off, freeing that amount, so your available limit becomes 3000 EUR.
Additional information
Some transactions may be declined later by the merchant.
Even if the payment is reversed, it can still count toward your transaction limit.