Transfers
Send and receive money using your ZEN account
61 articles
Transfer basics
How long does it take to process my transfer?
Transfer times depend on the type of transfer and where the money is going. Most transfers arrive within the timefram...
How to transfer money to ZEN account number (IBAN)
You can receive money from other banks straight into your ZEN account, safely and without extra steps. Each currency ...
What bank address should I use when sending a transfer to a ZEN account?
Sometimes, when you send a transfer from another financial institution or a bank to a ZEN account, you may be asked t...
How to transfer money from your ZEN Personal account
Sending money from your personal ZEN account is simple and secure. You can transfer funds to other ZEN.COM users, sen...
How to transfer money from your ZEN Business account
Sending money from your ZEN Business account is simple and secure. You can transfer funds to other ZEN.COM users, sen...
What are the incoming transfer processing sessions?
Incoming bank transfers are processed at different times depending on the transfer type and the account receiving the...
See all 16 articles
Troubleshoot issues with transfers
How to check what is my account number (IBAN)
You can find your ZEN account number (IBAN) in just a few taps. This lets you receive transfers safely and share the ...
Transfer to my ZEN account didn't arrive
We understand that nobody likes waiting for money. Most transfers reach your ZEN account within the usual timeframes....
I sent money to the wrong person
Sending money to the wrong person happens more often than you’d think. What you can do next depends on how the transf...
I want to cancel a bank transfer
Sent money via bank transfer by mistake? Here’s what you can do.Once you confirm a bank transfer in your ZEN.COM app,...
Transfer to my ZEN account was returned to the sender
It can be confusing to see a transfer to your ZEN account returned. This usually happens when something in the paymen...
My transfer from ZEN.COM hasn’t reached the recipient
When a transfer doesn’t show up for the recipient, in most cases, it’s just a matter of timing or transfer details. H...
See all 9 articles
International bank transfers
International bank transfers via SWIFT and SEPA systems.
What international transfers does ZEN.COM support?
You can send and receive international transfers with ZEN.COM using SWIFT, SEPA, or XBS.Each method works slightly di...
Which countries are supported for international SWIFT transfers to and from ZEN.COM?
You can send and receive international SWIFT transfers with ZEN.COM from over 80 supported countries across Europe, A...
Which countries are supported for SEPA transfers to and from ZEN.COM?
You can send and receive SEPA transfers in EUR with ZEN.COM from over 50 supported countries and territories. Check b...
Why did the recipient receive less money than I sent?
Sometimes, the person you send money to receives a smaller amount than you sent. That happens because international S...
Why do I need to select the transfer purpose?
For some international transfers, you need to select a purpose before sending the money. This information is required...
What are SWIFT correspondent fees when sending and receiving international transfers?
When you send money to a bank account in a different currency than the recipient bank uses, for example, sending CHF ...
See all 8 articles
Local bank transfers
Local PLN transfers via ELIXIR system, Local GBP transfers via Faster Payments Service, Local RON transfers via TRANSFOND.
What local PLN transfers does ZEN.COM support?
ZEN.COM supports local PLN (Polish zloty) transfers through the ELIXIR system. ELIXIR is the standard network used by...
What are the limits of local PLN transfers?
Local PLN transfers via ELIXIR have different limits depending on the transfer type. Knowing them in advance helps yo...
What local RON transfers does ZEN.COM support?
ZEN.COM supports Local RON (Romanian Leu) transfers through the TRANSFOND system. It's Romania’s network for fast and...
What are the limits of local RON transfers?
Local RON transfer limits depend on the transfer type. Standard TRANSFOND transfers don’t have fixed amount limits, w...
I don't see my Local RON account number
Local RON account numbers appear in the ZEN.COM app only if your account meets Romania-specific requirements. Check t...
What local GBP transfers does ZEN.COM support?
If your ZEN account includes a Sort Code and account number, you can send and receive local GBP transfers through the...
See all 7 articles
Internal transfers
ZEN Buddies and internal transfers between ZEN Clients.
How to send a ZEN Buddies transfer
ZEN Buddies lets you send money to another ZEN user using their phone number or a QR code, with no bank details neede...
How to split a bill with another ZEN.COM user
You can quickly split a payment with another ZEN user by sharing a QR code from your transaction history. They can sc...
I see “Something went wrong” when making a ZEN Buddies transfer
If you see the “Something went wrong” error while sending a ZEN Buddies transfer, it can feel unclear what caused it....
I want to cancel a ZEN Buddies transfer
Sent money via ZEN Buddies by mistake? Here’s what you can do.ZEN Buddies transfers happen instantly between ZEN.COM ...
How to send internal transfers from Business accounts
Internal transfers are the fastest way to move money between ZEN.COM clients. They arrive instantly and without exter...
Card transfers
Transfers to card via Mastercard Send and Visa Direct.
How to transfer money from ZEN Personal account to card number
Transfer to card lets you send money directly to the recipient’s card number. You can send to:
Mastercard cards via...
How to transfer money from ZEN Business account to card number
Transfer to card lets you send money directly to the recipient’s card number. You can send to:
Mastercard cards via...
How to receive transfers to a ZEN Card number
You can receive money directly to your ZEN Card through Mastercard MoneySend. It’s a quick and convenient way to get ...
Where can I send or receive a transfer to card number?
You can send and receive card transfers with ZEN.COM in many countries and currencies. Availability for transfers fr...
What are the fees for transfers to card numbers?
Fees for card-to-card transfers depend on your plan. You’ll always see the exact fee before confirming the transfer i...
Why did my transfer to card number fail?
Seeing “Transaction failed” or “Oops! Something went wrong” when sending a card transfer can be frustrating. Here are...
See all 8 articles
PrivatMoney transfers
Transfers from ZEN to Ukraine via the PrivatMoney system.
How to transfer money to Ukraine via PrivatMoney
Sending money home or helping someone in Ukraine? You can do it easily with PrivatMoney. Transfers are fast, secure, ...
Which cards and accounts can I send a PrivatMoney transfer to?
You can send PrivatMoney transfers from your ZEN account in US dollars (USD), euros (EUR), or Polish zloty (PLN) to U...
What exchange rate is used for PrivatMoney transfers?
If you’re sending money to Ukraine via PrivatMoney, it’s good to know which exchange rate applies, so you always know...
Can I receive a transfer via PrivatMoney from Ukraine to my ZEN account?
At the moment, PrivatMoney transfers only work one way: from ZEN accounts to Ukrainian bank accounts or cards. You ca...
What are the limits of PrivatMoney transfers?
Knowing your PrivatMoney transfer limits helps you plan payments smoothly and avoid rejections.These limits apply to ...
Visa+ transfers
How to transfer money from ZEN Personal account using Visa+
Visa+ lets you find eligible recipients by their phone number, so you can send money without entering their bank acco...
Can I receive a transfer using Visa+ to my ZEN account?
Not yet. You can currently use Visa+ with your ZEN Personal account only to send money to recipients who are already ...
What limits apply to transfers using Visa+?
Visa+ does not have a separate transfer limit. When you send money using Visa+, the standard limit of the transfer me...
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