Comparison

ZEN.COM vs tpf

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

ZEN.COM

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.

Highlights
  • Digital mobile wallet
  • Debit cards and transfers
  • Instant cashback deals
  • Purchase protection
  • Multi-currency account
  • Contactless payments
  • Send money
Features
Read full description

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.

About

tpf

Features
Read full description

International Payments Pay anywhere in the world. TPF will help make personal and business payments easier and more convenient. Radical and completely transparent view of your payment activities and constant analytical information, with which you will save yourself a lot of time. Why to choose us: Clear and quick onboarding Flexibility of the latest tech Tailored services Transparent fees Personal customer support State-of-the-art security Want to know more – follow us on https://www.tpf.co/

Screenshots

ZEN.COM4 screens
tpf4 screens

Verdict

The call

The clearest difference is update cadence: ZEN.COM at every 6 days against tpf's every 3 weeks. On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

ZEN.COM ships an update every 6 days, tpf every 3 weeks. The most recent releases landed on October 17, 2026 and October 19, 2026 respectively.

Scorecard1 real difference · 9 level
ZEN.COM versus tpf: the parameters behind the verdict, then further details
ParameterZEN.COMtpf
PriceFreeFree
Rating4.6 (649 ratings) — better—
Positive reviews45.3% of reviews—
Number of ratings649 — better—
Update frequencyEvery 6 days — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.0 — better15.6
Further details — not scored
Size537 MB79 MB
Age rating4+4+
DeveloperUAB ZEN.COMGLOBAL STAR FINANCE LTD

In-app purchases

None

ZEN.COM

No in-app purchases

None

tpf

No in-app purchases

Questions

Is ZEN.COM free?
ZEN.COM is free to download, with no in-app purchases.
Is tpf free?
tpf is free to download, with no in-app purchases.
Do ZEN.COM or tpf have ads?
Neither ZEN.COM nor tpf shows ads.
Which is updated more often, ZEN.COM or tpf?
ZEN.COM ships an update every 6 days, and tpf every 3 weeks. Most recently, ZEN.COM was updated on October 17, 2026 and tpf on October 19, 2026.

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