ZEN.COM: Multi-Currency Wallet

ZEN.COM: Multi-Currency Wallet

Transfers, Exchange & ATM Cash

631 ratings
166 reviews
Free

Details

  • Released
  • Updated
  • November 24, 2020
  • August 24, 2026

Features

ZEN.COM: Multi-Currency Wallet screenshot #1 for iPhone
ZEN.COM: Multi-Currency Wallet screenshot #2 for iPhone
ZEN.COM: Multi-Currency Wallet screenshot #3 for iPhone
ZEN.COM: Multi-Currency Wallet screenshot #4 for iPhone
ZEN.COM: Multi-Currency Wallet screenshot #5 for iPhone
ZEN.COM: Multi-Currency Wallet screenshot #6 for iPhone
ZEN.COM: Multi-Currency Wallet screenshot #7 for iPhone
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About

Manage all your finances in one place. Send money, pay bills, shop online with cashback, and protect your purchases. Enjoy fair exchange rates and clear pricing for everyday spending and travel.

Digital mobile wallet
Debit cards and transfers
Instant cashback deals
Purchase protection
Multi-currency account
Contactless payments
Send money
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+1

What's New in ZEN.COM

2.10.0

August 24, 2026

- 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

More

Events

Read more about August Quest: Card & Cash

August Quest: Card & Cash

Bank transfer in, 25+ payments, ATM withdrawals

Aug 18, 2026 Aug 31, 2026

Read more about July Challenge: transfer & pay

July Challenge: transfer & pay

Finish July's three tasks to earn your rewards.

Jul 8, 2026 Jul 31, 2026

Read more about ZEN mit Bargeld aufladen

ZEN mit Bargeld aufladen

Ria Bareinzahlung. Senden und bezahlen.

Aug 9, 2026 Sep 9, 2026

User reviews

H

Sehr gut

Response from developer

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!

Don’t use

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

SCAMMERS!! They’ve stolen my money! I fled domestic abuse and they want details???!!!

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!!
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Expensive fees and failed bank transfer

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

SCAM

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.
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FAQ

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.