ZEN.COM is a Polish fintech offering a multi-currency card with cashback, built-in purchase protection, and travel insurance.
ZEN.COM maintains strong customer satisfaction (4.6/5 across 55K+ ratings) and elevated media sentiment (87/100), though sentiment dipped 3.3 points week-over-week. Recent coverage emphasizes product innovation—Mastercard Click to Pay rollout across Europe and Singapore—and strategic expansion via the PIN Bank acquisition, both framed positively. Customer and press sentiment align, with no significant friction signals evident.
Sentiment index
our score · updated weeklyWhere ZEN.COM operates
29 marketsRatings across platforms
★ 4.6 avg · 56K ratings · 2 platformsRating distribution
Trustpilot · Google PlayCompany responsiveness
In the media
brand coverageZEN.COM Launches Mastercard Click to Pay as Consumer Demand for Simpler Online Payments Grows
markets.businessinsider.com · 2w ago
LONDON, July 03, 2026 (GLOBE NEWSWIRE) -- ZEN.COM, the European fintech with 1.5 million consumers across 33 markets, has launched...
ZEN.COM Launches Mastercard Click to Pay Across Europe and Singapore
www.pymnts.com · 2w ago
European FinTech ZEN.COM announced it has expanded its financial platform to include Mastercard Click to Pay.
Polish investor in PINbank not planning to develop lending
www.ukrinform.net · 3mo ago
Polish fintech company ZEN.com, which acquired 100% of the shares of insolvent JSC First Investment Bank (PINbank), does not plan to enter...
Polish fintech ZEN.com buys 100% of insolvent PIN Bank
ukranews.com · 3mo ago
Polish fintech ZEN.com buys 100% of insolvent PIN Bank ... Polish fintech ZEN.com became the winner of the tender for the purchase of 100% of the...
A Polish company bought a Ukrainian bank. Why?
logos-pres.md · 4mo ago
Fintech firm ZEN.com acquires failed PINbank, planning investment and expansion into Ukraine's banking sector.
Latest from social
SampleWe're hiring across engineering, product and risk. Come build the future of finance with ZEN.COM.
Transparency matters. Here's how ZEN.COM keeps your money safe and your fees clear.
Transparency matters. Here's how ZEN.COM keeps your money safe and your fees clear.
Behind every feature is a team obsessed with the details. A look at how ZEN.COM ships.
What people are saying
SampleSwitched to ZEN.COM and honestly not looking back. The fee transparency alone is worth it.
Anyone else having issues with ZEN.COM verification today? Been stuck for hours 😤
ZEN.COM raising rates again? Curious how this compares to the competition right now.
Been using ZEN.COM for 6 months now — the app just works. Transfers land instantly and support actually replies.
If you're comparing neobanks in 2026, ZEN.COM keeps coming up in every conversation I have.
Company
About ZEN.COM
ZEN.COM was founded in 2020 in Warsaw as a multi-currency financial platform. It differentiates itself with built-in insurance on every card transaction, including purchase protection and price drop guarantees. Available across the EU.
Frequently asked questions
What is ZEN.COM's built-in transaction insurance?
ZEN.COM automatically insures every card payment: Purchase Protection (coverage for damage or theft for up to 12 months, max €600/transaction), Price Drop Guarantee (refund of the difference if the price falls by 25%+ within 90 days), theft protection and pre-delivery cover — all included at no extra cost on the Standard plan.
Which currencies does ZEN.COM support?
ZEN.COM is a multi-currency wallet with a primary EUR account. Card payments in 150+ foreign currencies carry no foreign exchange fee (Mastercard rate applies). Polish users also have access to a PLN account. No hidden spreads on currency conversion.
Does ZEN.COM hold a banking licence?
ZEN.COM is not a bank — it is an Electronic Money Institution (EMI) authorised and supervised by the Bank of Lithuania (Lietuvos bankas), operating across the EU/EEA under MiCA/EMI passporting. Customer funds are safeguarded in segregated accounts at partner banks. As e-money, they are not covered by a national deposit-guarantee scheme (DGS) the way bank deposits are.
What plans does ZEN.COM offer?
ZEN Standard: free (1 card, basic purchase insurance). ZEN Plus: €9.99/mo (higher insurance limits, priority support). ZEN VIP: €29.99/mo (premium insurance, metal card, cashback). The Mastercard is available instantly as a virtual card; the physical card arrives within a few business days.
Is ZEN.COM available outside Poland?
Yes, ZEN.COM is available to residents across the EU/EEA. The company was founded in Warsaw but serves customers from Germany, France, Italy, Spain and across Europe. The app is available in Polish, English and other European languages.
Ratings & sentiment aggregated from Trustpilot, Google Play and App Store — anonymised store metrics only, no individual reviews.