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  • Transferring funds via card number


    Can I send funds by card number transfer? Which cards can be used for card-to-card transfers? What payment systems are supported?


    Transfer to card is a type of transfer that allows you to send money from your ZEN account to the recipient's Mastercard or Visa card. This feature works for both individual and business ZEN accounts.

    To send a transfer to card:

    1. Open ZEN app, go to the Home page (leftmost screen), and tap on the bubble of the account from which you want to send money. Card-to-card transfers are available from accounts in one of the following currencies: AUD, CAD, CZK, EUR, GBP, HUF, PLN, RON, SEK, USD. The currency of the transfer is the currency of your account from which it is sent (i.e. if you need to transfer EUR from your account in EUR, the funds will be sent without conversion). 
    2. Tap on "Transfers", 'Transfer to card' and then select 'New transfer' or a previously created recipient.
    3. If you have selected "New Transfer", enter the required data (card number and full name of the recipient who is the cardholder, you can also optionally specify an alias for your future transfers to this recipient). You can send money to Mastercard cards (via MoneySend service) and to Visa cards (via Visa Direct service). Also see: ' Which countries are available for Transfer to card? '. Then choose 'Continue'.
    4. Enter the amount of your transfer and check the fee (also see: 'What are the limits for card transfers?', 'What are the fees for card-to-card transfers?'). Tap on the 'Send' button.
    5. If the transfer is successfully sent, you will see a screen with 'Transfer processing'. If, however, you see the screen 'Transaction failed', please check out this article 'Can't send transfer to card'.
    6. Usually, card-to-card transfers are instant. If your transfer status in ZEN app is showing as "Completed", the transfer may still be processed by the recipient's bank.
  • What are the limits for card transfers?


    What are the limits for card transfers?


    The limits are calculated based on the number of the card you’re sending the transfer to. There are different limits for Visa and Mastercard cards.

    If the recipient's card is Mastercard

      Receiving Account is a Consumer Card Account Receiving Account is a Commercial Card Account

    Single Transaction 


    Monthly Transaction 


    Single Transaction 


    Monthly Transaction 


    Person-to-Person Transfer (sender name ≠ recipient name) $5,000 $10,000 $25,000 $50,000
    Transfer to Own Account (sender name = recipient name) $25,000 $50,000 $25,000 $75,000

    If the recipient's card is Visa

    Single transaction limit One-Day limit Thirty-Day limit
    USD 25,000
    30 Transactions or USD 50,000 150 Transactions or USD 200,000

    Also see: 'What are the limits for transactions?'.

  • Can I cancel or return a card-to-card transfer?


    Can I cancel or return a card-to-card transfer?


    Card transfers are instant, so these transfers cannot be canceled or returned. Always make sure that the amount and details of the transfer are correct.

    If you have sent a transfer to card by mistake:

    • we recommend contacting the recipient of the transfer and requesting a refund;
    • you can also contact ZEN Care for assistance.

    ZEN Care is a service for Gold and Platinum plan users that offers a simple returns and refunds policy and instant resolution when something goes wrong with a card transaction. To send a ZEN Care request, open ZEN app, go to the Wallet page (center screen) and swipe the screen from bottom to top to open the transaction history. Find the card transaction you are having issues with, tap 'Get Help' and then select 'ZEN Care'.

  • Can't send transfer to card


    When trying to send a card-to-card transfer I see "Transaction failed".


    If your card transfer is unsuccessful, the reasons may be:

    Depending on your specific situation, try sending a transfer for a smaller amount, try sending a transfer to a different card or use a different type of transfer.

  • What is the fee for card-to-card transfers?


    What is the fee for card-to-card transfers?


    The cost of card-to-card transfers may vary depending on the subscription plan you have. You can find out the exact cost in the ZEN Pricing or in ZEN App on the transfer screen after entering its amount.

  • Countries supported for card transfers


    Which countries are supported for card transfers?


    Below you will find a list of countries supported by ZEN for card transfers

    EEA countries

    Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, The Netherlands.

    Other countries

    Bosnia & Herzegovina, Israel, Kosovo, Macedonia, Montenegro, Serbia, Switzerland, United Kingdom, Australia, Singapore, Bahamas, Cayman Islands, Chile*, Colombia, Curacao, Dominican Republic, Ecuador, El Salvador, Guatemala, Guyana, Haiti, Honduras, Jamaica, Mexico, Nicaragua, Panama, Paraguay, Peru, Suriname, Trinidad & Tobago, Uruguay, Afghanistan, Angola, Azerbaijan, Democratic Rep of the Congo, Georgia, Ghana, Kazakhstan, Lebanon, Moldova, South Africa, Tanzania, Turkey, Zimbabwe, Canada*, United States*, Ukraine, New Zealand.

    * Available only for Mastercard cards.

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