ZEN.

COM
Individual Customer
effective as of November 14, 2024 (EU.C.2024.46)
Table of Contents

Account ..........................................................................................................................................................................................................................................................................................................3

Currency Exchange ....................................................................................................................................................................................................................................................................................3

Top up ............................................................................................................................................................................................................................................................................................................4

Cards issuing ................................................................................................................................................................................................................................................................................................5

Transfers........................................................................................................................................................................................................................................................................................................6

High Risk Transfers Processing Fee.....................................................................................................................................................................................................................................................7

PrivatBank ....................................................................................................................................................................................................................................................................................................7

Digital Currency ..........................................................................................................................................................................................................................................................................................7

Zen Pay ..........................................................................................................................................................................................................................................................................................................8

Zenefits ..........................................................................................................................................................................................................................................................................................................9

Incidental Costs........................................................................................................................................................................................................................................................................................ 10

Additional Explanation .......................................................................................................................................................................................................................................................................... 11

Head Office: UAB ZEN.COM, Lvivo g. 25-104, LT-09320, Vilnius, Lithuania.

Registration Number: 304749651, VAT number: LT100011714916

www.zen.com, e-mail: [email protected]

Account
Position Free Gold Platinum Pro
Opening account Free Free Free Free
Maintaining account Free 0.90 EUR per month 6.90 EUR per month 6.90 EUR per month

Currency Exchange1
Position Free Gold Platinum Pro
Ordered directly by customer Mid-rate + min. 0.60% Mid-rate + min. 0.30% Mid-rate + min. 0.10% Mid-rate +min. 0.10%
Executed by system during Mid-rate + min. 0.60% Mid-rate + min. 0.30% Mid-Rate + min. 0.10% Mid-rate + min. 0.10%
transaction2
Executed by system during card Mid-rate + min. 0.60% Mid-rate + min. 0.30% Mid-rate + min. 0.10% Mid-rate + min. 0.10%
purchase in account currency
Fee outside foreign exchange Additional 0.40% in rates Additional 0.40% in rates Additional 0.40% in rates Additional 0.40% in rates
market hours
Markup over Mastercard® rate 0.50% 0.20% 0.00% 0.00%
for card purchase made not in .
account currency

1
Exchange rates are based on the interbank market mid-rate, which is the rate between the buy and sell prices, used by financial institutions and transfer
services, and updated in real time. Markup depends on currency pair; list of all markups is listed at the end of document.
2
Cascading currency conversion; If funds are insufficient in the transaction currency, conversion will proceed sequentially from available accounts in other
currencies.

Head Office: UAB ZEN.COM, Lvivo g. 25-104, LT-09320, Vilnius, Lithuania.

Registration Number: 304749651, VAT number: LT100011714916

www.zen.com, e-mail: [email protected]

Top up
Payment Method Free Gold Platinum Pro
Visa® and Mastercard®3 From – 0.50% From – 0.25% From – free From – free
Up to – 4.50% special offer – free Up to – 4.00% Up to – 4.00%
Up to – 4.25%
Apple Pay and Google Pay3 From – 0.50% From – 0.25% From – free From – free
Up to – 4.50% special offer – free Up to – 4.00% Up to – 4.00%
Up to – 4.25%
BLIK 0.50% 0.25% Free Free
special offer – 0.00% special offer – free
Bancontact 0.25 EUR 0.25 EUR Free Free
special offer – free
iDeal 0.25 EUR 0.25 EUR Free Free
special offer – free
PayByLinks 0.50% 0.25% Free Free
special offer – free
PaySafeCash 3.00% 3.00% 3.00% 3.00%
PaySafeCard 10.00% 10.00% 10.00% 10.00%
PayPal from EEA account4 2.50% + 0.25 EUR 2.50% + 0.25 EUR 2.50% + 0.25 EUR 2.50% + 0.25 EUR
special offer5 – 1.50% special offer5 – 1.50% special offer5 – 1.50%
PayPal from non-EEA account6 4.00% + 0.25 EUR 4.00% + 0.25 EUR 4.00% + 0.25 EUR 4.00% + 0.25 EUR
special offer5 – 4.00% special offer5 – 4.00% special offer5 – 4.00%
Neteller 4.00% + 0.25 EUR 4.00% + 0.25 EUR 4.00% + 0.25 EUR 4.00% + 0.25 EUR
Skrill 4.00% + 0.25 EUR 4.00% + 0.25 EUR 4.00% + 0.25 EUR 4.00% + 0.25 EUR
Skrill Rapid 4.00% + 0.25 EUR 4.00% + 0.25 EUR 4.00% + 0.25 EUR 4.00% + 0.25 EUR
Trustly 1.50% (minimum 2.00 EUR) 1.50% (minimum 2.00 EUR) 1.50% (minimum 2.00 EUR) 1.50% (minimum 2.00 EUR)
Neosurf 9.00% 9.00% 9.00% 9.00%

3
Fee rate depends on the type of card (consumer, business), the country of issue of the card (European Economic Area country or non-European Economic Area
country) and the top up currency. The exact amount of the fee is presented in the application before each top up.
4
PayPal account created in country that belong to European Economic Area.
5
Special offer applicable up to limit of 100.000 EUR per month.
6
PayPal account created in country that do not belong to European Economic Area.

Head Office: UAB ZEN.COM, Lvivo g. 25-104, LT-09320, Vilnius, Lithuania.

Registration Number: 304749651, VAT number: LT100011714916

www.zen.com, e-mail: [email protected]

Cards issuing
Position Free Gold Platinum Pro
Physical card order7 10.00 EUR First – free Up to 2 - free Up to 2 - free
Next – 10.00 EUR Next – 10.00 EUR Next – 10.00 EUR
Virtual card order7 First – free First – free Up to 3 – free Up to 3 – free
Next – 5.00 EUR Next – 5.00 EUR Next – 5.00 EUR Next – 5.00 EUR
Card purchase Free Free Free Free

We will apply proper We will apply proper We will apply proper We will apply proper
conversion rate conversion rate conversion rate conversion rate
Card purchase with cashback Free Free Free Free

We will apply proper We will apply proper We will apply proper We will apply proper
conversion rate conversion rate conversion rate conversion rate
Cash withdrawal 1.50% Up to 200 EUR per month – Up to 800 EUR per month – Up to 800 EUR per month –
free free free
More than 200 EUR – 1.50% More than 800 EUR – 1.50% More than 800 EUR – 1.50%
Cash deposit with 2.00% 2.00% 2.00% 2.00%
Planet Cash ATM network special offer – 1.00% special offer – 1.00% special offer – 1.00% special offer – 1.00%
Transfer to card (receiving) 3.00% 3.00% 3.00% 3.00%
PIN change in ATM 1.00 EUR 1.00 EUR 1.00 EUR 1.00 EUR
Balance inquiry 1.00 EUR 1.00 EUR 1.00 EUR 1.00 EUR
Adding card to: Free Free Free Free
• Apple Pay
• Google Pay
• Xiaomi Pay
• Garmin Pay

7
Limit includes all issued cards that have not expired.

Head Office: UAB ZEN.COM, Lvivo g. 25-104, LT-09320, Vilnius, Lithuania.

Registration Number: 304749651, VAT number: LT100011714916

www.zen.com, e-mail: [email protected]

Transfers
Position Free Gold Platinum Pro
Incoming SWIFT 0.10% + 5.00 EUR 0.10% + 3.00 EUR 0.10% + 3.00 EUR 0.10% + 3.00 EUR
Outgoing SWIFT – SHA 0.10% + 5.00 EUR 0.10% + 3.00 EUR 0.10% + 3.00 EUR 0.10% + 3.00 EUR
Outgoing SWIFT – OUR Category 18 – Category 1 – Category 1 – Category 1 –
0.10% + 25.00 EUR 0.10% + 15.00 EUR 0.10% + 15.00 EUR 0.10% + 15.00 EUR
Category 28 – Category 2 – Category 2 – Category 2 –
0.10% + 35.00 EUR 0.10% + 25.00 EUR 0.10% + 25.00 EUR 0.10% + 25.00 EUR
Category 38 – Category 3 – Category 3 – Category 3 –
0.10% + 50.00 EUR 0.10% + 40.00 EUR 0.10% + 40.00 EUR 0.10% + 40.00 EUR
Incoming SEPA in EUR Free Free Free Free
Outgoing SEPA in EUR 0.25 EUR 0.25 EUR Free Free
Incoming Local9 in PLN Free Free Free Free
Outgoing Local9 in PLN 0.50 EUR 0.25 EUR Free Free
Incoming Local10 in GBP 0.50 EUR 0.50 EUR Up to 50 transfers per Up to 50 transfers per
month – free month – free
Next – 0.50 EUR Next – 0.50 EUR
Outgoing Local10 in GBP 0.50 EUR 0.50 EUR Free Free
Incoming Local11 in RON 0.50 EUR 0.50 EUR Up to 50 transfers per Up to 50 transfers per
special offer – up to 50 month – free month – free
transfers per month – free Next – 0.50 EUR Next – 0.50 EUR
Next – 0.50 EUR
Outgoing Local11 in RON 0.50 EUR 0.50 EUR Free Free
Outgoing Local in other 0.50 EUR 0.50 EUR Free Free
currencies than listed above
Internal transfers Free Free Free Free
(between ZEN Clients)
ZEN Buddies Free Free Free Free
Transfer To Card (sending) 1.00% 1.00% 1.00% 1.00%

8
List of countries and territories in each category is available at the end of the document.
9
Elixir
10
FPS – Faster Payments
11
TRANSFOND

Head Office: UAB ZEN.COM, Lvivo g. 25-104, LT-09320, Vilnius, Lithuania.

Registration Number: 304749651, VAT number: LT100011714916

www.zen.com, e-mail: [email protected]

High Risk Transfers Processing Fee
Position Free Gold Platinum Pro
Transfer to receiver servicing 0.30% 0.30% 0.30% 0.30%
cryptocurrency, loyalty
programs or investments12

PrivatBank13 14
Position Free Gold Platinum Pro
Outgoing Bank Transfer 1.00% 1.00% 1.00% 1.00%
via PrivatMoney15
Outgoing Transfer To Card 1.00% 1.00% 1.00% 1.00%
via PrivatMoney15

Digital Currency
Position Free Gold Platinum Pro
Top up in digital currency16 0.50% 0.50% 0.50% 0.50%
Transfer in digital currency16 2.00% 2.00% 0.50% 0.50%

12
Fee is paid to ZEN.COM additionally to standard transfer fee. List of qualifying receivers available on
https://www.zen.com/files/tc/high_risk_transfers_receivers.pdf
13
Limits per transaction: 700 EUR or equivalent in other currency (if the recipient is a non-PrivatBank client)
14
Limits per month: 30 transfers, 9,000 EUR, 7-day transfer limit: 5,000 EUR, 1-day transfer limit: 2000 EUR or equivalent in other currency
15
Limits per method: 2,000 EUR per 1 day, 5,000 EUR per 7 days
16
Fee is paid to ZEN.COM for being party between user and provider. ZEN.COM does not directly provide services in digital currency.

Head Office: UAB ZEN.COM, Lvivo g. 25-104, LT-09320, Vilnius, Lithuania.

Registration Number: 304749651, VAT number: LT100011714916

www.zen.com, e-mail: [email protected]

Zen Pay
Position Free Gold Platinum Pro
ZEN Pay Purchase Free Free Free Free

There can be additional There can be additional There can be additional There can be additional
Top up fee applied for Top up fee applied for Top up fee applied for Top up fee applied for
transfer transfer transfer transfer
ZEN Pay Deposit Free Free Free Free

There can be additional There can be additional There can be additional There can be additional
Top up fee applied for Top up fee applied for Top up fee applied for Top up fee applied for
transfer transfer transfer transfer

Head Office: UAB ZEN.COM, Lvivo g. 25-104, LT-09320, Vilnius, Lithuania.

Registration Number: 304749651, VAT number: LT100011714916

www.zen.com, e-mail: [email protected]

Zenefits
Position Free Gold Platinum Pro
Zen Card Zen Pro Card
Instant Cashback 50% cashback that user 100% cashback that 100% cashback that 100% cashback that 100% cashback that
normally receive user normally receive user normally receive user normally receive user normally receive
Extended Warranty17 Not available 1-year on electronics 1-year on electronics 1-year on electronics 2-years on electronics
(up to 1,500 EUR) (up to 5,000 EUR) (up to 5,000 EUR) (up to 5,000 EUR)
ZEN Care – Not available Anytime You can claim Anytime You can claim Anytime You can claim Anytime You can claim
Shopping Protection18 ZEN Care –10.00% of ZEN Care – free ZEN Care – free ZEN Care – free
transaction amount
ONLY when we will
receive back Your
transaction
Reward Zone19 Not available Not available Not available Limited Unlimited
Support via email Available Available Available Available Available
Support via chat in Not available Available Available Available Available
mobile application

17
https://www.zen.com/files/terms-and-conditions/extended_warranty_terms.pdf
18
When something goes wrong with your ZEN Mastercard® purchases, you can request an immediate support for refund.
19
https://www.zen.com/files/terms-and-conditions/reward_zone_terms.pdf

Head Office: UAB ZEN.COM, Lvivo g. 25-104, LT-09320, Vilnius, Lithuania.

Registration Number: 304749651, VAT number: LT100011714916

www.zen.com, e-mail: [email protected]

Incidental Costs
Position Free Gold Platinum Pro
Manual Operation Fee20 25.00 EUR SWIFT SHA 25.00 EUR SWIFT SHA 25.00 EUR SWIFT SHA 25.00 EUR SWIFT SHA
transfer transfer transfer transfer
5.00 EUR SEPA 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 5.00 EUR other transfer
Garnishment21 80.00 EUR per case 80.00 EUR per case 80.00 EUR per case 80.00 EUR per case
Bank statement for individual 100.00 EUR per case 100.00 EUR per case 100.00 EUR per case 100.00 EUR per case
period of time
Export of statements from 100.00 EUR per case 100.00 EUR per case 100.00 EUR per case 100.00 EUR per case
permanently closed account

20
Charged upon return of remaining funds after account closure or payment execution of blocked funds in favor of enforcement agencies via PLAIS system.
21
Decision of a court or other authority ordering the seizure of money or property of a third party

Head Office: UAB ZEN.COM, Lvivo g. 25-104, LT-09320, Vilnius, Lithuania.

Registration Number: 304749651, VAT number: LT100011714916

www.zen.com, e-mail: [email protected]

Additional Explanation
Categories of countries and territories
Category 1:
• Australia • Hungary • Mexico
• Brazil • Iceland • New Zealand
• Bulgaria • India • Philippines
• Canada • Isle of Man • Qatar
• Denmark • Jersey • Sweden
• Estonia • Kuwait
• Switzerland
• Gibraltar • Liechtenstein
• United Kingdom and Northern Ireland
• Greece • Lithuania
• United States of America
• Guernsey • Mauritius

Category 2:
• All other counties and territories

Category 3:
• Argentina • Italy • Paraguay
• Austria • Japan • Poland
• Belgium • Jordan • Portugal
• Chile • Kenya • Spain
• Congo • Korea, Republic of • Suriname
• Cyprus • Kyrgyzstan • Swaziland
• Djibouti • Latvia • Taiwan, Province of China
• Ecuador • Lesotho • Turkey
• Ethiopia • Luxembourg • Uganda
• Finland • Malawi • Ukraine
• France • Malta • Uruguay
• Germany • Monaco • Yemen
• Guinea • Morocco • Zimbabwe
• Indonesia • Nepal
• Ireland • Netherlands
• Israel

Head Office: UAB ZEN.COM, Lvivo g. 25-104, LT-09320, Vilnius, Lithuania.

Registration Number: 304749651, VAT number: LT100011714916

www.zen.com, e-mail: [email protected]

Currency Exchange

All margins above the current mid-market rate.

Source currencies Target currencies Free Gold Platinum Pro

AUD, CAD, DKK, EUR, GBP, PLN, RON, USD AUD, CAD, CHF, DKK, EUR, GBP, HKD, JPY, NZD, 0.60% 0.30% 0.10% 0.10%
PLN, SGD, USD
AUD, CAD, DKK, EUR, GBP, PLN, RON, USD AED, CNY, CZK, MXN, NOK, RON, SEK, THB 0.65% 0.35% 0.15% 0.15%
AUD, CAD, DKK, EUR, GBP, PLN, RON, USD HUF, ILS, QAR, SAR, TRY, ZAR 0.80% 0.50% 0.30% 0.30%
AUD, CAD, DKK, EUR, GBP, PLN, RON, USD KES, UGX 2.00% 1.70% 1.50% 1.50%
CZK, SEK AUD, CAD, CHF, DKK, EUR, GBP, HKD, JPY, NZD, 0.65% 0.35% 0.15% 0.15%
PLN, SGD, USD, AED, CNY, CZK, MXN, NOK, RON,
SEK, THB
CZK, SEK HUF, ILS, QAR, SAR, TRY, ZAR 0.80% 0.50% 0.30% 0.30%
CZK, SEK KES, UGX 2.00% 1.70% 1.50% 1.50%
HUF AUD, CAD, CHF, DKK, EUR, GBP, HKD, JPY, NZD, 0.80% 0.50% 0.30% 0.30%
PLN, SGD, USD, AED, CNY, CZK, MXN, NOK, RON,
SEK, THB, ILS, QAR, SAR, TRY, ZAR
HUF KES, UGX 2.00% 1.70% 1.50% 1.50%
AED, CHF, NOK AUD, CAD, CHF, DKK, EUR, GBP, HKD, JPY, NZD, 1.00% 0.70% 0.50% 0.50%
PLN, SGD, USD, AED, CNY, CZK, MXN, NOK, RON,
SEK, THB, HUF, ILS, QAR, SAR, TRY, ZAR
AED, CHF, NOK KES, UGX 2.00% 1.70% 1.50% 1.50%
CNY, HKD, ILS, JPY, MXN, NZD, QAR, SAR, AUD, CAD, CHF, DKK, EUR, GBP, HKD, JPY, NZD, 1.20% 0.90% 0.70% 0.70%
SGD, THB, ZAR PLN, SGD, USD, AED, CNY, CZK, MXN, NOK, RON,
SEK, THB, HUF, ILS, QAR, SAR, TRY, ZAR
CNY, HKD, ILS, JPY, MXN, NZD, QAR, SAR, KES, UGX 2.00% 1.70% 1.50% 1.50%
SGD, THB, ZAR
KES, TRY, UGX AUD, CAD, CHF, DKK, EUR, GBP, HKD, JPY, NZD, 2.00% 1.70% 1.50% 1.50%
PLN, SGD, USD, AED, CNY, CZK, MXN, NOK, RON,
SEK, THB, HUF, ILS, QAR, SAR, TRY, ZAR, KES, UGX

Head Office: UAB ZEN.COM, Lvivo g. 25-104, LT-09320, Vilnius, Lithuania.

Registration Number: 304749651, VAT number: LT100011714916

www.zen.com, e-mail: [email protected]