Zento A/s
Zento A/S operates a digital business-account platform under the Zento brand, offering multicurrency accounts in 32 currencies, SEPA/SWIFT/local payments, currency exchange, and accounting integrations to SMBs and sole traders across Denmark, Sweden, and 30+ European jurisdictions.
- Company typePrivate
- Founded2021
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Zento A/s does
Zento A/S is a Denmark-incorporated fintech that operates a digital business-account platform under the Zento brand, targeting small and medium-sized businesses and sole traders primarily in Denmark, Sweden, and across 30+ European jurisdictions. The platform provides Danish, Swedish, and multicurrency business accounts in 32 currencies, with payment execution via SEPA, SWIFT, and local payment systems including NemKonto (Denmark) and Swish/Klarna (Sweden), currency exchange with tiered fees (0.49%–1.49%), and one-click tax payment to SKAT. Customer onboarding is fully digital and product-led — applicants register through web or mobile (iOS, Android) and are typically approved within one business day. The technology stack relies on third-party infrastructure for KYC (Ondato), KYB and transaction monitoring (Flagright), authentication (MitID), accounting integration (e-conomic, Dinero, Billy, Kontolink), and NemKonto-enabling IBAN issuance (B4B Payments and OPENPAYD).
The underlying regulated entity is EPMAP Limited, a Cyprus-licensed Electronic Money Institution (license No. 115.1.3.32/2021, Central Bank of Cyprus), which issues the actual accounts. Zento A/S (Denmark, CVR DK43468561) and Zento Tech Ltd (UK) supply the software platform, marketing, and customer support. Revenue is generated through three monthly subscription tiers (FREE at €0, FLEX at €30/month, PRO at €90/month with country-specific pricing), signup fees on certain paid tiers, transaction fees on incoming/outgoing payments, and currency-exchange spread. The platform reports 1,500+ customers. Upcoming product surface includes physical and virtual VISA business cards, team workspace/multi-user access, local Danish and Swedish clearing account numbers, MobilePay, Betalingsservice, and FI-kort — all targeted for 2026.
Zento A/s firmographics
Firmographics- Name
- Zento A/s
- Legal name
- Zento A/S
- Website
- https://zento.app
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Zento A/S operates a digital business-account platform under the Zento brand, offering multicurrency accounts in 32 currencies, SEPA/SWIFT/local payments, currency exchange, and accounting integrations to SMBs and sole traders across Denmark, Sweden, and 30+ European jurisdictions.
- Ownership category
- akta.pro rank
Where Zento A/s is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
Zento A/s business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure
Revenue model
- Subscription Fees: Monthly subscription fees from three tiers (FREE, FLEX, PRO) providing access to business accounts and platform features. Pricing varies by country of incorporation.
- Transaction Fees: Fees collected on incoming and outgoing payments including SWIFT, SEPA, ACH, EFT, FedWire, and domestic transfers. Fees vary by plan tier.
- Currency Exchange Fees: Fees charged on currency exchange transactions. Rates vary by plan tier (1.49% for FREE, 0.99% for FLEX, 0.49% for PRO).
- Signup Fees: One-time signup fees for certain subscription plans (FLEX and PRO tiers in some countries), collected from the provided account.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | FREE - Basic features for small businesses with low transaction volumes up to €10,000 or 100,000 DKK/SEK |
| Subscription | Monthly | FLEX - Extended features for growing businesses with medium transaction volumes up to €25,000 or 200,000 DKK/SEK |
| Subscription | Monthly | PRO - Full feature access for established businesses with large transaction volumes over €25,000 or 200,000 DKK/SEK |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Zento A/s product offering
Product offeringCore offering
Zento provides a digital platform offering multi-currency business accounts (32 currencies including DKK, SEK, EUR, GBP) for European companies and sole traders. The platform enables payments via SEPA, SWIFT, and local payment systems (NemKonto, Swish, Klarna), competitive currency exchange, and integrated bookkeeping through accounting system connectors (e-conomic, Dinero, Billy, Kontolink). Accounts are opened via self-serve digital onboarding with approval typically within one business day.
Product overview
Zento A/s is a digital business account platform offering multicurrency business accounts for European companies and sole traders. The core product is a unified business account platform with three subscription tiers (FREE, FLEX, PRO) based on transaction volumes. The platform provides integrated payment services including SEPA, SWIFT, and local payment systems, currency exchange across 32 currencies, accounting system integrations (e-conomic, Dinero, Billy), Kontolink invoice automation, tax payment features, and NemKonto integration for Danish businesses. Upcoming features include physical and virtual business cards (Q3 2026), team workspace (Q3 2026), and local Danish/Swedish account numbers. Zento operates as a brand of EPMAP Limited, an Electronic Money Institution (EMI) licensed by the Central Bank of Cyprus, with software provided by Zento Tech Ltd.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Accounts (Core Platform) Digital business accounts for European companies and sole traders providing Danish, Swedish, and multicurrency accounts across 32 currencies. Supports SEPA, SWIFT, and local payment systems with self-serve onboarding and approval typically within 1 business day.
- Currency Exchange (Forex) Currency exchange functionality allowing businesses to exchange any of 32 supported currencies with competitive exchange rates and tiered fees (1.49% FREE, 0.99% FLEX, 0.49% PRO) for global business operations.
Quantifiable outcome
- Account approval within 1 business day
- +2 more outcomes
Companies that use Zento A/s
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles1 record
Zento A/s technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
Feature7 records
Zento A/s partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core.
- e-conomiccoreAccounting system integration partner. Zento integrates with e-conomic for automatic bookkeeping, allowing businesses to sync transactions and balance data directly with their accounting system.
- DinerocoreAccounting system integration partner. Zento integrates with Dinero for automatic invoicing, financial overviews, and bank reconciliation.
- BillycoreAccounting system integration partner. Zento integrates with Billy for automatic bookkeeping and easy invoice management.
- KontolinkcoreAccounting automation partner. Kontolink automates collection of invoices and receipts from various sources (email, mobile app scans) and intelligently matches them with business account transactions, reducing manual work and ensuring accounting accuracy.
- UAB OndatocoreKYC (Know Your Customer) identity verification provider. Ondato provides digital identity verification process during client onboarding to comply with anti-money laundering and regulatory requirements.
- Flagright Data Technologies Inc.coreKYB (Know Your Business), risk scoring, and transaction monitoring provider. Supports collection and analysis of business information, risk scoring, and transaction monitoring data for compliance and fraud prevention.
- EPMAP LimitedcoreLicensed Electronic Money Institution (EMI) that issues business accounts. Zento is a brand name of EPMAP Limited, authorized by Central Bank of Cyprus with license No. 115.1.3.32/2021. EPMAP provides the actual account services while Zento provides the software platform.
- B4B PaymentscorePartner providing local DKK accounts with full IBAN support and NemKonto integration for Danish businesses.
- MitIDcoreDanish digital identity system for secure login and authentication, providing enhanced security for Danish business account holders.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
Zento A/s competitors and assessment
Company assessmentDirect peers
- iwoca: iwoca provides lending and financial tools to small businesses across Europe. Comparable European SMB customer base and fintech operating model, though more lending-focused than Zento.
- Revolut Business: Revolut Business offers multicurrency business accounts, payments, and cards to SMBs across Europe. Comparable target market, product suite, and self-serve onboarding model.
- Kontist: Kontist provides business banking tailored to freelancers and self-employed professionals in Germany/Europe. Comparable target customer (sole traders), digital onboarding, and tax/accounting integrations.
- Holvi: Holvi offers business banking for freelancers, sole traders, and SMBs in the Nordics and Europe. Closely comparable on Nordic focus, sole-trader/SMB target, and accounting integrations.
- Lunar: Lunar is a Nordic digital bank offering business and personal accounts to SMBs and consumers in Denmark/Sweden/Norway. Comparable Nordic geographic focus and digital business account offering.
- Pleo: Pleo provides digital business accounts and company cards to SMBs across Europe, with strong Nordic presence (Denmark/Sweden). Direct competitor for SMB and sole-trader business banking with multicurrency and accounting integrations.
- Soldo: Soldo provides business accounts and prepaid cards with expense management for SMBs across Europe. Comparable on SMB focus, cards/payments product, and accounting integrations.
- N26 Business: N26 provides digital business accounts across the Eurozone with self-serve onboarding and integrated payments. Comparable on EMI-licensed model, digital-first onboarding, and SMB/Sole trader target.
- Wise (formerly TransferWise): Wise provides multicurrency business accounts and low-cost cross-border payments to SMBs and individuals globally. Comparable on multicurrency accounts, FX, and SEPA/SWIFT payment rails.
- Qonto: Qonto offers digital business accounts and expense management for SMBs, freelancers, and sole traders across Europe (including the Nordics). Closely comparable on target customer, pricing tiers, and integrated accounting/bookkeeping.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key highlights7 records
Customer concentration
Zento A/s social profiles
Digital presenceZento A/s compliance and trust
Trust signalCompliance4 records
Zento A/s financial estimates
Financial estimateRevenue estimate
Valuation estimate
Zento A/s leadership team
Management profileNumber of profiles
Profiles1 record
Zento A/s funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Zento A/s M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Zento A/s
What does Zento A/s do?
Zento provides a digital platform offering multi-currency business accounts (32 currencies including DKK, SEK, EUR, GBP) for European companies and sole traders. The platform enables payments via SEPA, SWIFT, and local payment systems (NemKonto, Swish, Klarna), competitive currency exchange, and integrated bookkeeping through accounting system connectors (e-conomic, Dinero, Billy, Kontolink). Accounts are opened via self-serve digital onboarding with approval typically within one business day.
Is Zento A/s a public or private company?
Zento A/s is a private company. It is classified as corporate owned and is currently operating.
When was Zento A/s founded?
Zento A/s was founded in 2021. It employs 11 to 50 people.
Where is Zento A/s based?
Zento A/s is headquartered in London, United Kingdom, in the Europe region.
How does Zento A/s make money?
Four revenue lines are on record. Subscription Fees are the primary driver. The others are transaction Fees, currency Exchange Fees and signup Fees.
Who are Zento A/s's main competitors?
Direct peers on record are iwoca, Revolut Business, Kontist, Holvi, Lunar, Pleo, Soldo, N26 Business, Wise (formerly TransferWise) and Qonto.
Does Zento A/s have an API?
No public API is recorded for Zento A/s.