ZEN.
COM
Pricing Individual and Business
10 july 2023 (2.1)
Table of Contents
Account ........................................................................................................................................................................................................................ 3
Currency Exchange .................................................................................................................................................................................................... 4
Topup............................................................................................................................................................................................................................ 5
Cards issuing............................................................................................................................................................................................................... 6
Transfers ...................................................................................................................................................................................................................... 7
PrivatBank .................................................................................................................................................................................................................. 8
Digital Currency ......................................................................................................................................................................................................... 9
Zen Pay....................................................................................................................................................................................................................... 10
Zenefits ...................................................................................................................................................................................................................... 11
Incidental Costs ........................................................................................................................................................................................................ 12
Additional Explanation ........................................................................................................................................................................................... 13
Head Office: UAB [Link], Lvivo g. 25-104, LT-09320, Vilnius, Lithuania.
Registration Number: 304749651, VAT number: LT100011714916
[Link], e-mail: hello@[Link]
Account
Free Gold Platinum
Opening account Free Free Free
Maintaining account Free 0.90 EUR per month 6.90 EUR per month
Head Office: UAB [Link], Lvivo g. 25-104, LT-09320, Vilnius, Lithuania.
Registration Number: 304749651, VAT number: LT100011714916
[Link], e-mail: hello@[Link]
Currency Exchange
Free Gold Platinum
Currency exchange made by Market rate + 0.5% Market rate + 0.2% Market rate + 0.0%
user
Currency exchange made by Market rate + 0.5% Market rate + 0.2% Market rate + 0.0%
system
Currency exchange made by Market rate + 0.5% Market rate + 0.2% Market rate + 0.0%
system during card purchase if transaction is made in account if transaction is made in account if transaction is made in account
currency currency currency
Mastercard® rate + 0.5% Mastercard® rate + 0.2% Mastercard® rate + 0.0%
if transaction is not made in account if transaction is not made in account if transaction is not made in account
currency currency currency
Fee outside foreign exchange Additional 0.4% in rates Additional 0.4% in rates Additional 0.4% in rates
market hours
Head Office: UAB [Link], Lvivo g. 25-104, LT-09320, Vilnius, Lithuania.
Registration Number: 304749651, VAT number: LT100011714916
[Link], e-mail: hello@[Link]
Topup
Payment Method Free Gold Platinum
Visa® and Mastercard® 0.50% for EEA1 consumer2 0.30% for EEA consumer 0.00% for EEA consumer
2.50% for EEA commercial3 2.50% for EEA commercial 2.50% for EEA commercial
2.50% for non-EEA4 consumer 2.50% for non-EEA consumer 2.50% for non-EEA consumer
2.50% for non-EEA commercial 2.50% for non-EEA commercial 2.50% for non-EEA commercial
Apple Pay and Google Pay 0.50% for EEA consumer 0.30% for EEA consumer 0.00% for EEA consumer
2.50% for EEA commercial 2.50% for EEA commercial 2.50% for EEA commercial
2.50% for non-EEA consumer 2.50% for non-EEA consumer 2.50% for non-EEA consumer
2.50% for non-EEA commercial 2.50% for non-EEA commercial 2.50% for non-EEA commercial
BLIK 0.40% special offer - 0.00% 0.20% special offer - 0.00% 0.00%
PaySafeCash 3.00% 3.00% 3.00%
PaySafeCard 10.00% 10.00% 10.00%
PayByLinks 0.50% special offer - 0.00% 0.30% special offer - 0.00% 0.00%
Netteler 2.50% + 0.25 EUR 2.50% + 0.25 EUR 2.50% + 0.25 EUR
Skrill 2.50% + 0.25 EUR 2.50% + 0.25 EUR 2.50% + 0.25 EUR
Skrill Rapid 2.50% + 0.25 EUR 2.50% + 0.25 EUR 2.50% + 0.25 EUR
Bancontact 0.20 EUR 0.20 EUR 0.20 EUR
Trustly 0.80% 0.80% 0.80%
iDeal 0.10 EUR 0.10 EUR 0.10 EUR
Neosurf 9.00% 9.00% 9.00%
1
Cards issued in European Economic Area countries
2
Cards issued to consumer
3
Cards issued to business
4
Cards issued in non-European Economic Area countries
Head Office: UAB [Link], Lvivo g. 25-104, LT-09320, Vilnius, Lithuania.
Registration Number: 304749651, VAT number: LT100011714916
[Link], e-mail: hello@[Link]
Cards issuing
Position Free Gold Platinum
Physical card order First and next - 10.00 EUR First - free First - free
Second and next - 10.00 EUR Second - free
Third and next - 10.00 EUR
Virtual card order First – free First - free First - free
Second and next - 5.00 EUR Second and next - 5.00 EUR Second - free
Third - free
Fourth and next - 5.00 EUR
Card purchase Free Free Free
We will apply proper conversion rate We will apply proper conversion rate We will apply proper conversion rate
Card purchase with Free Free Free
cashback
We will apply proper conversion rate We will apply proper conversion rate We will apply proper conversion rate
Cash withdrawal All – 1.50% Up to 200 EUR - free per month Up to 800 EUR - free per month
More than 200 EUR – 1.50% More than 800 EUR – 1.50%
Moneysend sent from 0.00% 0.00% 0.00%
ZEN Card
Moneysend received on 3.00% 3.00% 3.00%
ZEN Card
PIN change in ATM 1.00 EUR 1.00 EUR 1.00 EUR
Balance inquiry 1.00 EUR 1.00 EUR 1.00 EUR
Adding card to: Free Free Free
• Apple Pay
• Google Pay
• Xiaomi Pay
• Garmin Pay
Head Office: UAB [Link], Lvivo g. 25-104, LT-09320, Vilnius, Lithuania.
Registration Number: 304749651, VAT number: LT100011714916
[Link], e-mail: hello@[Link]
Transfers
Position Free Gold Platinum
Incoming SWIFT 4 EUR + 0.10% 3.50 EUR + 0.10% 3.00 EUR + 0.10%
Outgoing SWIFT - SHA 4 EUR + 0.10% 3.50 EUR + 0.10% 3.00 EUR + 0.10%
Outgoing SWIFT - OUR Country category 15 – Country category 1 – Country category 1 –
15.00 EUR + 0.10% 15.00 EUR + 0.10% 15.00 EUR + 0.10%
Country category 26 – Country category 2 – Country category 2 –
25.00 EUR + 0.10% 25.00 EUR + 0.10% 25.00 EUR + 0.10%
Country category 37 – Country category 3 – Country category 3 –
40.00 EUR + 0.10% 40.00 EUR + 0.10% 40.00 EUR + 0.10%
Incoming Local8 in PLN 0.50 EUR Free Free
Outgoing Local in PLN 0.50 EUR Free Free
Incoming Local9 in GBP 0.50 EUR 0.30 EUR Free when You do less than 50 transfers per month
0.30 EUR when You do more than 50 transfers per month
Outgoing Local in GBP 0.50 EUR 0.30 EUR Free
Incoming SEPA 0.10 EUR Free Free
Outgoing SEPA 0.10 EUR 0.05 EUR Free
ZEN Buddies Free Free Free
Transfer To Card 1% 1% 1%
5
List available at the end of document
6
List available at the end of document
7
List available at the end of document
8
Elixir
9
FPS – Faster Payments
Head Office: UAB [Link], Lvivo g. 25-104, LT-09320, Vilnius, Lithuania.
Registration Number: 304749651, VAT number: LT100011714916
[Link], e-mail: hello@[Link]
PrivatBank10 11
Position Free Gold Platinum
Outgoing PrivatMoney Bank Transfers12 1.00% special offer - 0.00% 1.00% special offer - 0.00% 1.00% special offer - 0.00%
Outgoing PrivatMoney Card Transfers12 1.00% special offer - 0.00% 1.00% special offer - 0.00% 1.00% special offer - 0.00%
10
Limits per transaction: 700 EUR or equivalent in other currency (if the recipient is a non-PrivatBank client)
11
Limits per month: 30 transfers, 9000 EUR, 7-day transfer limit: 5000 EUR, 1-day transfer limit: 2000 EUR or equivalent in other currency
12
Limits per method: 2.000 EUR per 1 day, 5.000 EUR per 7 days
Head Office: UAB [Link], Lvivo g. 25-104, LT-09320, Vilnius, Lithuania.
Registration Number: 304749651, VAT number: LT100011714916
[Link], e-mail: hello@[Link]
Digital Currency
Position Free Gold Platinum
Fee for topup in digital currency13 2% 1.00% 0.50%
Fee for transfer in digital currency14 2% 1.00% 0.50%
13
Fee is paid to [Link] for being party between user and provider. [Link] does not directly provide services in digital currency.
14
Fee is paid to [Link] for being party between user and provider. [Link] does not directly provide services in digital currency.
Head Office: UAB [Link], Lvivo g. 25-104, LT-09320, Vilnius, Lithuania.
Registration Number: 304749651, VAT number: LT100011714916
[Link], e-mail: hello@[Link]
Zen Pay
Position Free Gold Platinum
ZEN Pay Purchase Free Free Free
There can be additional Topup fee applied There can be additional Topup fee applied There can be additional Topup fee applied
for transfer for transfer for transfer
ZEN Pay Deposit Free Free Free
There can be additional Topup fee applied There can be additional Topup fee applied There can be additional Topup fee applied
for transfer for transfer for transfer
Head Office: UAB [Link], Lvivo g. 25-104, LT-09320, Vilnius, Lithuania.
Registration Number: 304749651, VAT number: LT100011714916
[Link], e-mail: hello@[Link]
Zenefits
Position Free Gold Platinum
Instant Cashback 50% cashback that user 100% cashback that user normally receive 100% cashback that user normally receive
normally receive
Extended Warranty15 Not available Basic Premium
up to 1500 EUR per product up to 5000 EUR per product
ZEN Care – Shopping Not available Anytime You can claim ZEN Care - we will Anytime You can claim ZEN Care - Free
Protection16 charge You 10% of transaction amount ONLY
when we will receive back Your transaction
Support via email Available Available Available
Support via chat in mobile Not available Available Available
application
15
You get an extra year of warranty for all electronics purchased with your ZEN Mastercard®.
16
When something goes wrong with your ZEN Mastercard® purchases, you can request an immediate refund.
Head Office: UAB [Link], Lvivo g. 25-104, LT-09320, Vilnius, Lithuania.
Registration Number: 304749651, VAT number: LT100011714916
[Link], e-mail: hello@[Link]
Incidental Costs
Position Free Gold Platinum
Manual Operation Fee17 25.00 EUR SWIFT SHA transfer 25.00 EUR SWIFT SHA transfer 25.00 EUR SWIFT SHA transfer
5.00 EUR SEPA transfer 5.00 EUR SEPA transfer 5.00 EUR SEPA transfer
5.00 EUR other transfer 5.00 EUR other transfer 5.00 EUR other transfer
Garnishment18 80.00 EUR per case 80.00 EUR per case 80.00 EUR per case
Bank statement for individual period of time 100.00 EUR per case 100.00 EUR per case 100.00 EUR per case
Export of statements form permanently 100.00 EUR per case 100.00 EUR per case 100.00 EUR per case
closed account
17
Charged upon return of remaining funds after account closure.
18
Court order directing money or property of a third party (usually wages paid by an employer) be seized to satisfy a debt owed by a debtor to a plaintiff
creditor.
Head Office: UAB [Link], Lvivo g. 25-104, LT-09320, Vilnius, Lithuania.
Registration Number: 304749651, VAT number: LT100011714916
[Link], e-mail: hello@[Link]
Additional Explanation
Country list 1:
• Canada • Sweden • India
• Switzerland • United States of America • Iceland
• United Kingdom and Northern • Australia • Liechtenstein
Ireland • Bulgaria • Lithuania
• Gibraltar • Brazil • Mauritius
• Greece • Denmark • Mexico
• Isle of Man • Estonia • New Zealand
• Jersey • Guernsey • Philippines
• Kuwait • Hungary • Qatar
Country list 2:
• All other counties
Country list 3:
• Argentina • Finland • Korea, Republic of
• Austria • France • Lesotho
• Belgium • Guinea • Luxembourg
• Congo • Indonesia • Latvia
• Chile • Ireland • Morocco
• Cyprus • Israel • Monaco
• Germany • Italy • Malta
• Djibouti • Jordan • Malawi
• Ecuador • Japan • Netherlands
• Spain • Kenya • Poland
• Ethiopia • Kyrgyzstan • Portugal
Head Office: UAB [Link], Lvivo g. 25-104, LT-09320, Vilnius, Lithuania.
Registration Number: 304749651, VAT number: LT100011714916
[Link], e-mail: hello@[Link]
• Paraguay • Taiwan, Province of China • Zimbabwe
• Suriname • Uganda • Nepal
• Swaziland • Uruguay
• Turkey • Yemen
Head Office: UAB [Link], Lvivo g. 25-104, LT-09320, Vilnius, Lithuania.
Registration Number: 304749651, VAT number: LT100011714916
[Link], e-mail: hello@[Link]
