What Zen.com does

Zen.com (UAB ZEN.COM) is a Lithuania-headquartered, multi-jurisdiction licensed e-money institution operating a unified consumer and business financial platform across 30 EEA countries, the UK, Singapore, Ukraine, and Hong Kong. The core product is a multi-currency account supporting 35 currencies with real-time exchange, delivered through a mobile-first, self-serve app with 4.8/5 ratings on both Apple App Store and Google Play. The platform bundles a ZEN Shopping Card and Multi-Currency Card with instant cashback across 500+ merchant brands, free ATM withdrawals, fee-free SEPA/SWIFT transfers, ZEN Care purchase and travel protection, extended electronics warranty, and cryptocurrency buy/sell via integrations with Bybit, Bitget, OKX, and Whitebit. Underlying technology includes tokenized payment cards, mobile wallet integration (Apple Pay, Google Pay, Garmin Pay, Xiaomi Pay), and PCI DSS Level 1 security infrastructure.

The business operates a freemium-to-Pro subscription model at approximately 10 PLN per month with a 30-day free trial, monetizing free currency exchange through transparent embedded margins, card issuing and management fees, merchant payment gateway fees on 100+ payment methods, interchange revenue, and crypto transaction fees. Go-to-market is product-led: organic acquisition via app stores, SEO-driven currency exchange rate content, ZEN Buddies P2P referral mechanics, and earned media coverage. B2B expansion is anchored on a payment gateway with instant settlement, card issuing infrastructure (BIN Sponsorship, VCC for Travel/E-commerce/Corporate, Co-Branded Cards), and crypto-to-card payouts. Primary customer segments are individual consumers (general users, frequent travelers, expats, cross-border workers, online shoppers) and e-commerce merchants/SMBs, distributed across 20+ localized language markets.

Operational signals include a 4.6/5 Trustpilot rating, three separately licensed legal entities (Lithuania, UK, Singapore), and a B2C plus B2B dual revenue engine. Customer concentration risk is low given the mass-market consumer base and long-tail SMB merchant mix, with no disclosed enterprise anchors. The company is privately held with no disclosed funding rounds, acquisitions, or parent company, suggesting self-funded or profitable operations.

Name

Zen.com

Legal name

UAB ZEN.COM

Website

https://zen.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

251–500 employees

Short description

Zen.com is a Lithuania-headquartered, multi-jurisdiction licensed e-money institution offering a mobile-first multi-currency financial platform (35 currencies) for consumers and SMBs across 30 EEA countries, UK, and Singapore, bundling cashback cards, crypto services, international transfers, and B2B payment gateway and card issuing.

Ownership category

akta.pro rank

Product category

Digital Banking and E-Money Services

NAICS

Credit Card Issuing (52221)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Security Brokers, Dealers & Flotation Companies (6211), Finance Services (6199)

akta.pro primary industry

Super-App Wallets & Mini-Program Payments (FSAMAEAE)

akta.pro secondary industries

Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value) (FSAGAAAD), Digital Wallet Platforms (Consumer & Merchant) (BPAMAFAC), Crypto Payment Gateways & Checkout APIs (FSADAIAA)

Keywords

• Multi-currency accounts
• Digital payment cards
• International money transfers
• E-money institution services
• Cross-border payments

Headquarters

HQ city

Vilnius

HQ country

Lithuania

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Currency Exchange Margins: Revenue generated through minimal, transparent margins built into exchange rates. The margin is fixed and disclosed, allowing zero ZEN fees on exchanges.
2. Subscription Plans: Monthly subscription plans including Pro tier with free first month trial. Pricing around 10 PLN per month mentioned for app access.
3. Card Issuing and Management: Revenue from multi-currency card issuance and management for both personal and business customers.
4. International Transfers: Fee-free SEPA and SWIFT transfers with revenue generated through exchange rate margins.
5. Business Payment Services: Payment gateway, instant settlement, and card payouts for merchants and e-commerce businesses.
6. Crypto Services: Buy/sell cryptocurrency and fiat-to-crypto conversion services.
7. Cashback and Rewards: Moneymback and reward zone earnings funded by merchant partnerships and interchange revenue.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Zen.com operates a licensed e-money financial super-app enabling personal and business customers to hold, exchange, spend, and transfer money across 35 currencies. Core offerings include the ZEN Shopping Card and Multi-Currency Account for consumers with instant cashback, free ATM withdrawals, ZEN Care purchase and travel protection, plus cryptocurrency buy/sell services. For business customers, it provides a Payment Gateway with 100+ payment methods, instant settlement, business multi-currency accounts, and card-issuing services including BIN Sponsorship and Virtual Cards.

Product overview

ZEN.com is a multi-product financial super-app operating as a licensed e-money institution across the EU (Lithuania), UK, and Singapore. The core offering is a unified platform combining personal and business banking with multi-currency management and cryptocurrency services. For personal users, the platform centers on the ZEN Shopping Card and Multi-Currency Account, which together enable spending, saving, and transferring across 35 currencies with features including Instant Cashback, Reward Zone Moneyback, Free Electronics Warranty, and ZEN Care protection services. Travel-specific products include the Travel Money Card and Travel Cashback. Cryptocurrency services are offered through integration with Bybit, Bitget, OKX, and Whitebit exchanges, supporting buy/sell operations with DCA Setup. For business customers, ZEN.com provides a Business Multi-Currency Account with currency exchange and money transfers, plus a Payment Gateway accepting 100+ payment methods with Instant Settlement and Payment Links. The Card Issuing suite includes BIN Sponsorship, VCC (Virtual Card) for Travel/E-commerce/Corporate segments, and Co-Branded Cards.

Differentiator

Problem solved

Functional benefit

Brands

• ZEN Shopping Card: Multi-currency shopping card with cashback and rewards
• ZEN CashCard
• ZEN Care
• ZEN Buddies
• ZEN Pro

Products and services

• Multi-Currency Account (Personal)
• Multi-Currency Card (Personal)
• ZEN Shopping Card
• Instant Cashback
• Reward Zone Moneyback
• International Money Transfers
• Buy and Sell Cryptocurrency
• Business Multi-Currency Account
• Payment Gateway
• Co-Branded Cards

Quantifiable outcome

• Average user saves €41 per month
• +3 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

AI capability4 records

Feature8 records

Partnerships

Eight partnerships are on record, tiered core.

• BybitcoreTechnology or IntegrationCryptocurrency exchange partnership enabling users to buy and sell crypto through ZEN app. Part of ZEN's crypto ecosystem providing cryptocurrency access to users.
• BitgetcoreTechnology or IntegrationCryptocurrency exchange partnership integrated into ZEN's crypto services, allowing users to access cryptocurrency trading.
• OKXcoreTechnology or IntegrationCryptocurrency exchange partnership providing crypto trading capabilities within the ZEN platform.
• WhitebitcoreTechnology or IntegrationCryptocurrency exchange partnership for crypto services integration in the ZEN app.
• VisacoreTechnology or IntegrationPayment network partnership enabling card transactions and transfers. Visa cards supported for ZEN card products.
• MastercardcoreTechnology or IntegrationPayment network partnership for card issuing and processing. Transfer to card works with any Visa or Mastercard.
• VeriffcoreTechnology or IntegrationIdentity verification service used for KYC/AML compliance during customer onboarding.
• IdenfycoreTechnology or IntegrationIdentity verification and biometric authentication service for customer identity verification and fraud prevention.

Scale indicators9 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• Monese: UK-based multi-currency e-money account targeting expats and travelers. Closely comparable to ZEN in product narrowness, target customer, and regulatory profile (FCA e-money license).
• Curve: Multi-currency card consolidator with cashback and FX. Directly comparable consumer proposition around a single card aggregating multiple underlying cards.
• Bunq: European neobank with multi-currency accounts, cards, and business banking — comparable EEA coverage, mobile-first product-led growth model, and similar self-serve onboarding.
• Revolut: Direct competitor offering multi-currency accounts, debit cards, FX, international transfers, and crypto — same core product set and target consumers/travelers as ZEN, but at much larger scale.
• WorldRemit: International money transfer and multi-currency wallet provider. Comparable on cross-border transfers and mobile wallet for expats/migrants — a core ZEN customer segment.
• Wise: Direct peer in multi-currency accounts, FX, and international transfers. ZEN's own comparison tool benchmarks against Wise, making it the most explicit head-to-head competitor on FX pricing.

Broad incumbents

• Payoneer: Cross-border payment specialist for businesses and freelancers. Comparable on multi-currency business accounts and international transfers, especially on the B2B side of ZEN's offering.
• Paysafe: Licensed e-money and payment institution operating across Europe and the US. Overlaps with ZEN's regulated payment services, merchant acquiring, and card-issuing capabilities.
• Adyen: Large global payment processor with 100+ payment methods and instant settlement. Comparable on the B2B payment gateway side of ZEN's business, though at significantly larger enterprise scale.
• N26: European digital bank offering multi-currency accounts, cards, and transfers across the EEA. Larger incumbent with a banking license and broader deposit/savings product set than ZEN.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Zen.com