# ZEN.COM: Multi-Currency Wallet — Transfers, Exchange & ATM Cash > Digital mobile wallet for payments, shopping, currency exchange, and money management. (iPhone/iPad app by UAB ZEN.COM.) - Source: https://appshunter.io/ios/app/zencom-multi-currency-wallet/id1505547865 (this page in markdown: same URL + `.md`) - Developer: [UAB ZEN.COM](https://appshunter.io/developer/1505547864) - Category: Finance, Shopping - Price: Free - Rating: 4.60/5 from 631 App Store ratings · 166 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 485 MB - Languages: French (France), German (Germany), American English, European Spanish, Hungarian, Italian, Lithuanian, Dutch, Polish, Romanian and 3 more - Released: 2020-11-24 - Data updated: 2026-08-29 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/zencom-multi-currency-wallet/id1505547865/reviews.md ## What is ZEN.COM? Send, pay, shop and save money with one simple app. The ZEN.COM app is a modern digital mobile wallet designed for everyday payments, online shopping, calculating currencies and smart money management. Instead of switching between apps, you get one place for a digital wallet, debit cards, transfers, instant cashback deals and purchase protection. Clear pricing, free from hidden currency converter fees on your travel money, and full control over your personal finances. One card wallet for everyday life Whether you’re shopping online for deals, paying subscriptions or sending money to friends, ZEN.COM keeps everything simple. Pay in store or online, track spending in real time and manage everyday expenses without stress. ZEN.COM fits naturally into daily life at home and abroad. Save money with instant cashback deals With ZEN.COM, you earn Instant Cashback on online shopping at hundreds of popular stores. Cashback rewards work with well-known brands such as AliExpress and Temu, along with many other shops. Choose the best and latest deals, enjoy special instant cashback offers and get real money back – no points, no waiting. Saving on everyday online shopping becomes effortless. Pay digitally and contactless Use your phone or smartwatch to pay quickly and securely. Add your card to Apple Pay or Google Pay to pay contactless wherever you shop. Whether shopping online or in store, payments are fast and easy. Multi-currency account with fair exchange rates Hold and manage multiple currencies in one mobile wallet. Pay in local payment methods at competitive foreign exchange rates with no hidden currency exchange fees. ZEN.COM is ideal for online shopping, exchanging travel money, calculating currencies and international spending – helping you avoid unnecessary conversion costs as you track and plan your personal finances. Send money simply Send digital money locally or internationally with transparent rules and no surprises. Use ZEN Buddies to send money instantly to other ZEN users. All transfers and payments are visible in one place, so you always know where your money goes. Secure payments and purchase protection Your payments are protected with ZEN Care. If something goes wrong with a purchase, you can request support directly in the app. How people in the UK use ZEN.COM Emma shops online to find the latest hot deals at the best prices, and uses instant cashback rewards to save money on everyday purchases. Fleur pays her subscriptions and does her online shopping using the ZEN virtual card. James sends money, manages his personal finances and tracks monthly expenses in one app. Why choose ZEN.COM • Instant money-saving cashback offers and fair exchange rates • Secure digital and contactless payments in store and online • One wallet for cards, transfers and spending • Secure payments with purchase protection • Clear pricing and full control over money management and expenses Download the ZEN.COM app and simplify how you pay, send, track and save money every day. ## Key features - Digital mobile wallet - Debit cards and transfers - Instant cashback deals - Purchase protection - Multi-currency account - Contactless payments - Send money ## Recent user reviews (10 of 166) All indexed reviews: https://appshunter.io/ios/app/zencom-multi-currency-wallet/id1505547865/reviews.md ### 5/5 — H *2026-08-07* Sehr gut **Developer response:** Hello, many thank you for the 5-star rating. If there’s anything we can do to improve our offering, please let us know. Regards! ### 1/5 — Don’t use *2026-08-04, version 2.8.1* Horrible app, after completing the whole verification process it tells me “we can’t onboard you, our decision is final and you can my retry” Really?? Don’t waste your time and avoid this app at all costs ### 1/5 — SCAMMERS!! They’ve stolen my money! I fled domestic abuse and they want details???!!! *2026-07-21, version 2.8.0* I opened a zen account as I needed a new bank separate from my ex partner. I was emergency rehoused with my children due to being at “high risk of homicide”. I got money transferred into the account from a friend on the Friday morning so I could get gas & electric for the emergency house I’ve been placed in, and some food for the kids and myself. It is now Sunday afternoon and after repeated messages saying they’re looking into it, I still have no money in my account. This situation zen has left me in is horrific. Don’t use them, if something goes wrong like this, they don’t care, they don’t sort it out and it shouldn’t have even happened in the first place, I’ve never had a transfer nor come through with any bank, so I really do not recommend this bank, avoid! I’d hate to see them hold onto anyone else’s money, I explained I’m in an emergency situation and they have so be careful! UPDATE! It’s now Tuesday (Friday morning the transfer was made) they still haven’t released my money. They want more details about my fleeing domestic abuse have even asked for more details on the circumstances which involved rape!!! They want evidence! This bank is a disgrace! Do NOT give them your money I am in such bad distress. I have no gas & electric on at the emergency house I have been placed in for my safety and these people are asking for details of my abuse!!!!! I’ve been through this with police extensively causing me bad distress and now the bank is doing it??!! What the hell is going on!! ### 1/5 — Expensive fees and failed bank transfer *2026-06-10, version 2.4.1* They charged me a $25 fee for a bank transfer without advising that my bank is not eligible for transfers from the platform. When the funds were returned, they kept the fee and refused to refund me ### 1/5 — SCAM *2026-06-06, version 2.3.1* My account was blocked for no apparent reason and they are not returning my money. Contacting support won't help at all because every time they just say that the case is under review. But it’s been under review for a whole year already😂 stay away from this service. They will definitely take your money. ### 5/5 — Zen *2026-05-24* It’s very comfortable, fast and reliable **Developer response:** Hello, thank you so much for your feedback! We’re really happy to hear that you find it user-friendly and trustworthy. Have a great day! ### 5/5 — Numéro fiscal *2026-05-15* Ça fait des années que je suis sur zen franchement rien à dire, et là aujourd’hui je vois une notification sur l’application me demandant mes informations fiscal, comme avec Revolut à l’ancienne pareil , zen faites pas ça vous allez perdre un tas de clients on va se rediriger vers d’autres neo banques c’est pas ça qu’il manque!!! **Developer response:** Hello, thank you for being with ZEN.COM for so many years and for sharing your suggestion with us. In case of any questions, we are at your disposal at hello@zen.com. Regards ### 1/5 — Kriminell Vorsicht! *2026-05-13* Größte Hinterwäldler Bank, die es auf diesem Planeten gibt… nicht nur Rückbuchung und nicht von dieser Bank durchgeführt werden. Diese Bank hält sich auch nicht anges Gesetze und Richtlinien und Normen. So zum Beispiel bitte diese Bank keine Echtzeit Überweisung an, was gesetzlich vorgeschrieben ist im europäischen Raum. **Developer response:** Hello, thank you for sharing your feedback. We were a bit surprised by your rating and would like to better understand your experience and learn what we could improve. Please note that ZEN.COM does support instant SEPA transfers. You can find more information here: https://ask.zen.com/hc/de/articles/5920583237404-Welche-internationalen-%C3%9Cberweisungen-unterst%C3%BCtzt-ZEN-COM We truly value constructive feedback, so please feel free to contact us at hello@zen.com. Regards ### 1/5 — Scam *2026-05-03, version 2.1.2* They closed accounts without any valid reasons and block the money. They will take your money and do not get any reply from support. ### 5/5 — Sunt foarte mulțumit *2026-04-16, version 2.0.1* Sunt foarte mulțumit ## Frequently asked questions about ZEN.COM ### What does the ZEN.COM app do? The ZEN.COM app is a digital mobile wallet designed for everyday payments, online shopping, currency exchange, and smart money management. It allows you to send money, pay bills, shop online with instant cashback, and offers purchase protection, all within one app. ### What are the key features of ZEN.COM? Key features include a digital wallet for cards and transfers, instant cashback on online shopping, secure contactless payments via phone or smartwatch, a multi-currency account with fair exchange rates, the ability to send money locally and internationally, and purchase protection with ZEN Care. ### Is ZEN.COM free to use? Based on the provided information, the app is free to download and use. There are no mentioned subscription fees or costs associated with the core functionalities of the digital wallet, payments, and money management. ### Can I use ZEN.COM for international payments and travel? Yes, ZEN.COM is ideal for international spending and travel. It offers a multi-currency account with fair exchange rates and no hidden currency conversion fees, allowing you to pay in local currencies and manage your travel money effectively. ### How does the cashback feature work? You earn Instant Cashback on online shopping at hundreds of popular stores, including well-known brands. When you make a purchase through the app at a participating retailer, you receive real money back directly, not points, making everyday online shopping more economical. ## Version history (last 5 releases) ### 2.10.0 — 2026-08-24 - Invite & Earn Program You can now invite businesses to ZEN.COM and earn commission when they join. Find the new "Invite & Earn" section in My Account, then generate your unique referral link or QR code and share it with other businesses. Learn more at zen.com/referral ### 2.9.1 — 2026-08-17 - Invite & Earn Program You can now invite businesses to ZEN.COM and earn commission when they join. Find the new "Invite & Earn" section in My Account, then generate your unique referral link or QR code and share it with other businesses. Learn more at zen.com/referral ### 2.9.0 — 2026-08-10 - Invite & Earn Program You can now invite businesses to ZEN.COM and earn commission when they join. Find the new "Invite & Earn" section in My Account, then generate your unique referral link or QR code and share it with other businesses. Learn more at zen.com/referral ### 2.8.1 — 2026-07-24 This time, we focused on improvements that are not immediately visible, but will make your account top-ups, transfers, and card payments even more reliable. If you have any questions, visit the ZEN.COM Help Center at https://ask.zen.com ### 2.8.0 — 2026-07-21 This time, we focused on improvements that are not immediately visible, but will make your account top-ups, transfers, and card payments even more reliable. 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*