ZEN.COM vs Zento
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Digital mobile wallet
- Debit cards and transfers
- Instant cashback deals
- Purchase protection
- Multi-currency account
- Contactless payments
- Send money
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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.
Zento
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At Zento, we believe in smarter and more efficient payment solutions. We are a 100% digital payment platform, built on the latest technology, designed to give you more time and control over your company’s finances. Our platform makes it easier, more convenient, and cost-effective to manage your company’s financial transactions through innovative digital solutions. Key Features: Quick and secure payment approvals Easy card management for your business Fast and convenient access with PIN or biometrics Real-time notifications and balance tracking for all your cards We are constantly striving to bring updates to the app to enhance your experience and this app is just the very beginning of that journey. Download the Zento app now and take control of your company’s finances.
Screenshots
Verdict
The clearest difference is iOS requirement: ZEN.COM at 15.0 against Zento's 17.0. On price, update cadence, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
ZEN.COM ships an update every 6 days, Zento every 11 days. The most recent releases landed on October 27, 2026 and October 24, 2026 respectively.
| Parameter | ZEN.COM | Zento |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (652 ratings) — better | — |
| Positive reviews | 45.3% of reviews | — |
| Number of ratings | 652 — better | — |
| Update frequency | Every 6 days — better | Every 11 days |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 551 MB | 107 MB |
| Age rating | 4+ | 17+ |
| Developer | UAB ZEN.COM | Zentopayments AS |
In-app purchases
ZEN.COM
No in-app purchases
Zento
No in-app purchases








