• Currencies available in ZEN

    Question

    Which currencies may I store in my ZEN account? Does ZEN support my currency? In which currencies can I make payments and top-up my account?

    Answer

    ZEN gives you multicurrency accounts for Individual or Business use.

    There are 28 currencies that allow you to make payments or money transfers to or out of a ZEN account:

    EUR, MXN, JPY, UGX, NZD, KES, RON, PLN, DKK, HKD, SAR, ILS, SGD, AED, CNY, QAR, SEK, GBP, CHF, USD, CZK, THB, HUF, NOK, AUD, CAD, TRY, ZAR

    For EUR SEPA transfers account number starts with LT, BIC/SWIFT code is BZENLT22.

    For SWIFT transfers account number starts with GB, BIC/SWIFT code is TCCLGB3L.

    See also: Exchange currency in ZEN app, Transfer funds from your ZEN account

  • Exchange currency in ZEN app

    How-to

    How do I exchange currency in ZEN app? Do I have to exchange currencies before making a transaction in another currency? Does the exchange rate applied by the system during a card transaction differ from the exchange rate when I change the currency myself?

    Answer

    To exchange currencies:

    1. Open ZEN app and go to the "Wallet" tab.home_screen.jpg
    2. Tap on the bubble with the currency you want to exchange, and then on the mceclip0.png icon.
    3. Enter the amount, select the currency, and check if you're happy with the exchange rate.
    4. Confirm the transaction by clicking "Exchange".

    You don't need to exchange currencies before making a card transaction in another currency. The same competitive exchange rates apply to card transactions and currency exchange transactions. See also: 'What exchange rates are applied to my transactions?'.

  • What exchange rates are applied to my transactions?

    Question

    What exchange rates are applied to my transactions?

    Answer

    With ZEN, you can exchange currencies, make payments with your ZEN card or withdraw cash from ATMs with competitive currency exchange rates, based on your plan:

      Free Gold Platinum
    Currency exchange made by you Market rate + 0.5% Market rate + 0.2% Market rate + 0.0
    Currency exchange automatically made Market rate + 0.5% Market rate + 0.2% Market rate + 0.0
    Currency exchange made during card purchase

    Market rate + 0.5%
    if transaction is made in account
    currency


    Mastercard® rate + 0.5% if transaction is not made in account
    currency

    Market rate + 0.2%
    if transaction is made in account
    currency


    Mastercard® rate + 0.2% if transaction is not made in account
    currency

    Market rate + 0.0%
    if transaction is made in account
    currency


    Mastercard® rate + 0.0% if transaction is not made in account
    currency

    Fee outside foreign exchange
    market hours (from Friday 22:00 UTC to Monday 03:00 UTC)
    An additional 0.4% added to the rate An additional 0.4% added to the rate An additional 0.4% added to the rate

    ZEN's exchange rates are lower than those offered by regular banks. Please keep in mind that exchange rates are updated every few seconds.

  • Can I undo a currency exchange transaction?

    Answer

    The currency exchange transaction is irrevocable and cannot be canceled or refunded.

  • Is there any hidden fee for currency exchange?

    Question

    Is there any hidden fee for exchanging on weekends? Why is the exchange rate of my transaction different from the rate that should be on my plan?

    Answer

    There is no hidden currency exchange fee. However, off-market exchange rates apply from Friday 22:00 UTC to Monday 03:00 UTC (additional 0.4% to the standard rate). More information: 'What exchange rates are applied to my transactions?'.

  • What is total balance in ZEN app?

    Question

    What is total balance in ZEN app? What exchange rates are used to show the total balance?

    Answer

    With ZEN you use one account for 28 currencies including EUR, GBP, USD and PLN. You decide in which currency you want to make a transfer or pay at international stores in foreign currencies. You can exchange your money instantly, at the lowest rates on the market.

    On the wallet page in ZEN app you can see the approximate total balance of your funds in all currencies. Average exchange rates are used to show the total balance and we do not take weekend rates. Please keep in mind that exchange rates are updated every few seconds, so there may be differences between the total balance and the exchange rates you see on the currency exchange screens. The exact balance of the amount in each currency is indicated on the icons of particular accounts.