• Fees for transfers processed by ZEN

    Question

    What are the fees for SWIFT / SEPA / ELIXIR / Faster Payments / Local / Card / PrivatMoney / Internal / Cryptocurrency transfers, and ZEN Buddies transactions? Why was a commission added to my transfer?

    Answer

    You may always check the newest version or pricing for Individual and Business clients (click the desired account type).

    The following table shows commissions for different transfer types.

      Free Gold Platinum Smart (Business) Enterprise (Business)
    Incoming SWIFT 0.10% + 5.00 EUR 0.10% + 3.00 EUR 0.10% + 3.00 EUR 0.10% + 15.00 EUR 0.10% + 3.00 EUR
    Outgoing SWIFT – SHA 0.10% + 5.00 EUR 0.10% + 3.00 EUR 0.10% + 3.00 EUR 0.10% + 15.00 EUR 0.10% + 3.00 EUR

    Outgoing SWIFT – OUR

    Country categories are available on the last page of ZEN Pricing

    Category 1 –
    0.10% + 25.00 EUR
    Category 2 –
    0.10% + 35.00 EUR
    Category 3 –
    0.10% + 50.00 EUR
    Category 1 –
    0.10% + 15.00 EUR
    Category 2 –
    0.10% + 25.00 EUR
    Category 3 –
    0.10% + 40.00 EUR
    Category 1 –
    0.10% + 15.00 EUR
    Category 2 –
    0.10% + 25.00 EUR
    Category 3 –
    0.10% + 40.00 EUR
    Category 1 –
    0.10% + 25.00 EUR
    Category 2 –
    0.10% + 35.00 EUR
    Category 3 –
    0.10% + 50.00 EUR
    Category 1 –
    0.10% + 15.00 EUR
    Category 2 –
    0.10% + 25.00 EUR
    Category 3 –
    0.10% + 40.00 EUR
    Incoming SEPA Free Free Free Free Free
    Outgoing SEPA 0.25 EUR 0.25 EUR Free 0.10% (min. 1.00 EUR) Free
    Incoming Local in PLN Free Free Free Free Free
    Outgoing Local in PLN 0.50 EUR 0.25 EUR Free 0.10% (min. 1.00 EUR) Free
    Incoming Local in GBP 0.50 EUR 0.50 EUR Free – when You do less
    than 50 transfers per month
    0.50 EUR – when You do
    more than 50 transfers per
    month
    Free Free
    Outgoing Local in GBP 0.50 EUR 0.50 EUR Free 0.10% (min. 1.00 EUR) Free
    Outgoing Local in other currencies than EUR, GBP, PLN 0.50 EUR 0.50 EUR Free 0.10% (min. 1.00 EUR) Free
    Internal transfers
    (between ZEN Clients) and ZEN Buddies
    Free Free Free

    Free

    ZEN Buddies unavailable

    Free

    ZEN Buddies unavailable

    Transfer To Card 1.00% 1.00% 1.00% 1.00% 1.00%
    Moneysend received on
    ZEN Card
    3.00% 3.00% 3.00% 3.00% 3.00%
    Outgoing Bank Transfer
    via PrivatMoney
    1.00% 1.00% 1.00% Unavailable Unavailable
    Outgoing Transfer To Card
    via PrivatMoney
    1.00% 1.00% 1.00% Unavailable Unavailable
    Transfer in cryptocurrency 2.00% 2.00% 0.50% 2.00% 0.50%

    See also: Why can't I find my SWIFT account number in ZEN app?, What is a SWIFT and SEPA transfer, and how long do they take?

  • Transfer funds from your ZEN account

    How-to

    How can I transfer money from my ZEN account?

    Answer

    You can transfer money the way you want, using one of the popular methods in one place with the lowest fees on the market. You can choose transfers by account number (local, SEPA, or SWIFT transfers), transfers to other ZEN users (ZEN Buddies), transfers by card number, and digital currency transfers.

    To transfer funds:

    1. Open the ZEN.COM app on your device.
    2. On the main screen tap the ZEN mascot, and choose "Transfer":
      photo_2023-11-16_13-19-44.jpg
    3. Choose the currency you want to transfer.
    4. Choose the transfer you want to make. If it's your first transfer to this recipient, you will need to add their information beforehand.
    5. In the last screen insert the amount and title of the transaction. You will be also informed about any fees or the processing type depending on the type you choose. Read everything carefully to avoid mistakes, and confirm the transfer.

    See also: What is a SWIFT and SEPA transfer, and how long do they take?

    Checking the status of an outgoing transfer

  • Can I pay via BLIK in the ZEN app?

    Question

    Can I pay using BLIK with ZEN app? Are BLIK payments possible?

    Answer

    Currently, you cannot pay with BLIK or transfer money by phone number using BLIK. We are constantly working on improving our services and this option may be available later. However, you can top up your account using BLIK ('Top up your ZEN account with BLIK').