ZEN.COM review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
ZEN.COM suits expats and travellers who want a euro account that spends across borders without a monthly charge. Currency conversion runs at 0% and the monthly fee is €0, so the saving sits in how often you change money rather than in account upkeep. EU deposits sit under EU DGS up to EUR 100,000.
Key facts
- Best for
- A fee-free euro account for living or spending money abroad.
- Monthly fee
- €0↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Currency conversion fee
- 0%↗
- Currencies
- 35↗
- Local account details
- IBAN↗
- Free ATM withdrawals
- €0↗
- Transfer fee
- Currently free (standard fee 0.25 EUR)↗
- Legal entity
- UAB ZEN.COM↗
- Headquarters
- Lithuania↗
- Support channels
- Email, Chat, Help-centre↗
- Audience
- Expats, Travelers
- Pricing model
- No monthly fee, Low FX fees
- Features
- Free ATM withdrawals
- Official website
- zen.com
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Monthly fee of €0 keeps the account free to hold
- Currency conversion fee of 0% beats the 0.5% site median
- Local account details in the form of iban let you get paid like a local
- Deposits carry EU deposit protection of EU DGS up to EUR 100,000
Cons
- Support runs on email, chat and help centre only, with no phone line
- Standard transfer fee is higher than the current free transfer, at Currently free (standard fee 0.25 EUR)
- Currencies count of 35 trails brands near the top of our multi-currency list
Who it suits
- Expats and travellers named as the audience for the account
- Anyone paid in euros who wants local account details
- People who change currency often and mind conversion cost more than the account type
Who should look elsewhere
- Skrill, if you compare conversion cost and its fee sits well above the site median of 0.5%
- eToro, if you want a broader account rather than a euro card first
- PayPal Colombia, if you need local details outside the euro area rather than iban
How it compares on our data
On monthly fee, ZEN.COM sits in the top group of 500 brands, ranked 1, and the site median is €0. The same pattern holds on currency conversion, where it ranks 1 of 312. Currencies are the weaker side: 35 currencies places it at 29 of 379, above the multi-currency median of 5.
How ZEN.COM compares
9.3 vs 8.7
9.3 vs 8.6
9.3 vs 8.0
9.3 vs 8.9Also charges a monthly fee of £0, though in a different currency, and is aimed at trading rather than day to day spending.
9.3 vs 9.1
9.3 vs 9.2
9.3 vs 8.7
9.3 vs 8.7
9.3 vs 8.7
9.3 vs 9.0Its currency conversion fee of 3.99% is well above the 0% ZEN.COM charges, so frequent converters pay more.
9.3 vs 8.7
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 8.9
ZEN.COM vs Monzo9.3 vs 8.9- 9.3 vs 8.9
9.3 vs 8.7
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.4
9.3 vs 8.3
9.3 vs 8.2
9.3 vs 8.1- 9.3 vs 8.1
9.3 vs 8.0
9.3 vs 8.0
9.3 vs 8.0
9.3 vs 9.1
Where ZEN.COM is available
- Available
- Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Singapore, Slovakia, Slovenia, Spain, Sweden, United Kingdom
- Licence in Lithuania
- Bank of Lithuania (LB000457), checked September 26, 2026
- Licence in United Kingdom
- Financial Conduct Authority (1000019), checked September 26, 2026
- Licence in Singapore
- Monetary Authority of Singapore, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does ZEN.COM cost to keep open?+
The monthly fee is €0, so holding the account costs nothing. That sits at the site median of €0 and matches the pattern across our listings, where most free accounts cluster at the lower quartile of €0.
How much does it cost to change currency?+
The currency conversion fee is 0%, which ranks ZEN.COM at 1 of 312 brands. For comparison, the site median is 0.5% and the upper quartile reaches 2.08%, so most rivals charge more.
What are the fees on transfers and cash withdrawals?+
Transfers are listed at Currently free (standard fee 0.25 EUR), and the free ATM allowance is €0. Free ATM access is a listed feature of the card, which most of our listings also offer.
Is my money protected?+
Deposits are covered by EU DGS up to EUR 100,000. The account is licensed in Lithuania by the Bank of Lithuania and listed in the United Kingdom under the Financial Conduct Authority, with a Monetary Authority of Singapore licence also recorded.
How many currencies can I hold and use?+
The account covers 35 currencies, which ranks it 29 of 379 brands on the measure. The multi-currency median is 5, so the range sits above the middle of this group.
Do I get local account details to get paid?+
Yes, local details are offered in the form of iban. Most multi-currency listings provide the same, and the everyday-accounts median for local details points the same way.
Who is the account built for?+
The stated audience is expats and travelers, which puts ZEN.COM in the expat and travel end of the market rather than the business end. The audience mix in our multi-currency listings is broader, with business and travel both well represented.
How do I get help if something goes wrong?+
Support is offered through email, chat and help centre, so a self-service help centre, live chat and email are the routes available. Help centres are the most common channel across our listings at 86.1%, while phone support is more widespread at 79.5%.
Sources
- ask.zen.com/hc/en-us/articles/24802531649308-What-are-the... checked September 26, 2026
Backs: Currency conversion fee, Monthly fee, Support channels
“Using your ZEN Card for everyday payments is free. You can pay in stores or online without any fees charged by ZEN.COM.”
- ask.zen.com/hc/en-us/search checked September 26, 2026
Backs: Deposit protection, Headquarters, Legal entity, Transfer fee, Licences
“Company address: Konstitucijos av. 18B, LT-09309 Vilnius, Lithuania”
- zen.com checked September 26, 2026
Backs: Free ATM withdrawals, Audience, Currencies, Features, Local account details, Pricing model
“Deposit cash at the ATMs and withdraw when you need it - no ZEN commission, no foreign fees.”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type.