# ZEN.COM: Multicurrency Account — Better shopping & travel > 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-multicurrency-account/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 650 App Store ratings · 170 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 539 MB - Languages: British English, Bulgarian, Czech, Danish, Dutch, French (France), German (Germany), Greek, Hungarian, Italian and 9 more - Released: 2020-11-24 - Data updated: 2026-10-20 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/zencom-multicurrency-account/id1505547865/reviews.md ## What is ZEN.COM? ZEN.COM is a multicurrency account with a card and a digital wallet that make shopping and travel better. Pay at home and abroad, get more from every purchase and travel with peace of mind – all in one app. No need to switch banks – just switch cards. Pay better, get more, worry less Pay with your ZEN Card in shops and online, cover your subscriptions and book your trips – by card, phone or watch. Hold up to 35 currencies in one account, exchange them at the best rates and see what you’ve spent the moment you pay. Shop like always and earn cashback at 1,000+ partner stores, straight to your account. And if an order arrives faulty, wrong or not at all, ZEN Care Shopping Protection deals with the seller for you. Higher plans add more: Reward Zone, unlimited Shopping Protection and help claiming compensation when your flight is disrupted. Save money with cashback deals With ZEN.COM, you earn 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 cashback offers and get real money back – no points, no coupons. 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 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 • Real-money 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 ## Is ZEN.COM safe? ZEN.COM: Multicurrency Account appears safe based on user ratings. The AppsHunter Safety Score for ZEN.COM is 91 out of 100. This assessment is based on 650 user ratings, with an App Store average of 4.6 out of 5. Of 650 App Store ratings, 89.5% point to a safe experience, 1.8% suggest some concerns, and 8.6% point to a risky experience. ## Is ZEN.COM legit? ZEN.COM: Multicurrency Account appears to be a legitimate app. The AppsHunter Legitimacy Score for ZEN.COM is 88 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (10 of 170) All indexed reviews: https://appshunter.io/ios/app/zencom-multicurrency-account/id1505547865/reviews.md ### 5/5 — Awesome Services *2026-10-10, version 2.14.2* Zen is providing awesome quick and hassle free services in financials sector, easy money movement fast exchange services with best rates. Highly recommended services ### 5/5 — Mega cool! *2026-10-01* Tolle App tolles Konto **Developer response:** Hello, thank you so much for your kind words! We’re really happy to hear that you’re enjoying the app and your ZEN account. We truly appreciate your support! Regards ### 1/5 — Awful experience *2026-09-21, version 2.12.1* There was a good alternative for many Ukrainians in order to receive/ send money in Ukrainian hryvna abroad and receive it. But it’s a shambles app now:(( I cannot open it, they blocked me for no reason and support won’t help… AVOID ### 5/5 — Best *2026-09-13, version 2.12.0* Best Bank 💚 ### 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! ## 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) ### 2.15.1 — 2026-10-20 The new version of the ZEN.COM app is ready! We are working on new features and improving existing ones. Managing your finances with the ZEN Card? Rate us in the store! ### 2.15.0 — 2026-10-15 In this version, we have fixed several bugs clients reported to us. Update the ZEN.COM app to manage your money even more efficiently! ### 2.14.2 — 2026-10-05 In this version, we have fixed several bugs clients reported to us. Update the ZEN.COM app to manage your money even more efficiently! ### 2.14.1 — 2026-10-02 In this version, we have fixed several bugs clients reported to us. Update the ZEN.COM app to manage your money even more efficiently! ### 2.14.0 — 2026-10-01 In this version, we have fixed several bugs clients reported to us. 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-20.*