ZEN.COM vs Coinva

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.

Coinva is a simple, private money tracker that helps you understand your spending and plan ahead — with no accounts, no ads, and no clouds. Everything stays on your device. ADD IN SECONDS Logging money should be effortless. Tap the plus button, choose expense or income, pick cash or card, select a category, and you're done. Your transactions are automatically grouped by day, week and month, so your whole history is easy to scan at a glance. SEE WHERE YOUR MONEY GOES Clear, honest statistics by week, month and year. A donut chart shows your top spending categories instantly, a trend chart reveals how your habits change over time, and a payment breakdown tells you exactly how much you spend by card versus cash. PLAN A SMART BUDGET Set a monthly or yearly limit and let Coinva do the thinking. It forecasts your year-end total based on your real spending pace and seasonal habits, warns you honestly before you overspend, and suggests where you could save. Add per-category limits for things like food or entertainment, track recurring payments such as subscriptions and rent, and always know if you're on track. NEVER FORGET A DEBT Keep track of who owes you and whom you owe, with due dates. Coinva highlights overdue debts and upcoming ones, so nothing slips through the cracks. Mark them settled with a single tap. YOUR DATA IS YOURS Coinva has no sign-up, no login, and no servers. Every transaction, budget and debt is stored only on your device. There is no tracking, no analytics, and no advertising of any kind. Export a full backup whenever you like and restore it on a new phone in seconds. THREE LANGUAGES Use Coinva in English, Ukrainian or Russian, and switch between them anytime. No account. No ads. No subscriptions. Just a clean, fast, private way to stay on top of your money.