ZEN.COM vs BOV 3D Secure

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.

The BOV 3D Secure app is downloadable to smart devices and will enable the user to effect online purchases with a Bank of Valletta debit or credit card. The app is simple to use: The first step is to download the BOV 3D Secure app and install it on your smart device You will then need to enrol the Bank of Valletta debit or credit card that you will use to effect online purchases. This is a one time process since once you enrol one card all your Bank of Valletta cards, that may be used for online purchases will be automatically enrolled to the 3D Secure app. During the enrolment process you will set an authentication passcode that will be used to authenticate you online purchases via the app - alternatively you can choose to set up biometric authentication by means of fingerprint, if your device supports the feature. Once the one-time enrolment process is complete, you are set to start shopping online: When checking out purchases over a certain amount, at certain merchants, the payment screen will ask you to authenticate the purchase; Simultaneously you will receive a push notification on your smart device which will prompt you to access the BOV 3D Secure app to authenticate the transaction either by passcode (established during enrollment) or biometrically, by means of your fingerprint. The app will then advise that authentication is successful and you will be able to tap the "proceed" button on the payment screen to complete your purchase. If you are in an area of no reception, or your device is not connected to an internet/data service, the payment screen will prompt you to scan a QR Code which will automatically launch the BOV 3D Secure app on your phone and following authentication a 6 digit code will be displayed. This code is to be inserted in the designated field on the payment screen. Following that simply tap the "proceed" button on the payment screen to complete your purchase. Important information Bank of Valletta will not contact you because you are using the app. So please stay alert to emails, text messages or phone calls that appear to be from us. Criminals may try to trick you into giving them sensitive personal or account information. Any suspicious communications or transactions should always be reported to Bank of Valletta immediately by calling the number on the reverse of your card, thus enabling immediate remedial action to be taken as necessary.