Overview
ZEN.COM, at a glance.
ZEN.COM is an e-money institution headquartered in Lithuania, regulated by Bank of Lithuania. Business accounts cost from €0 a month. Opening an account takes 3–5 days.
Why businesses pick ZEN.COM
- Free Smart plan, with one physical and one virtual card
- IBAN accounts in EUR, USD, GBP and 25 more currencies
- 24/7 support in 29 languages
- Accepts companies from 86 countries
Watch out for
- No phone support
- On Smart, SWIFT costs 0.1% plus €15 and currency exchange 0.5%
- Companies from countries outside its list of 86 cannot apply
- You cannot choose between Mastercard and Visa
Business fit
Will ZEN.COM accept your business?
Four quick answers. Where your company is registered and what it does rule a provider in or out faster than anything else.
Based on ZEN.COM's published rules
Likely fit
ZEN.COM lists both United Kingdom companies and E-commerce as accepted.
ZEN.COM does not publish a minimum company age or turnover, so those two answers are not checked here.
This is one provider. Your profile checks all of them.
- Every provider that fits your business
- The reason behind each match
- Company age and turnover checked too
Who it works with
Accepted and not accepted.
What ZEN.COM publishes about the businesses it takes on.
Who ZEN.COM serves
- E-commerce
- Startups and SMEs
Not supported
Industries and countries ZEN.COM does not accept, from its own published lists.
Industries
- Businesses known to be illegal where they or ZEN.COM operate, including stolen goods, narcotics, pyramid or Ponzi schemes, illegal distribution of intellectual property, unlicensed payment services or gambling, human trafficking and account selling
- Operating a business that requires a licence, permit or registration without having it
- Home-made alcoholic beverages, cigarettes and tobacco
- Ammunition, guns, arms, offensive weapons, poisons, dangerous substances and firearms
- Providers of offshore bank transactions, anonymous accounts and shell banking
- Selling, hosting, distributing, producing or promoting offensive materials
- Pornography and adult content, escort services and other sex-work-connected activities
- Customers known or reasonably suspected to be involved in illegal or criminal activities
- Fake goods and counterfeit consumer products
Countries
- Not published
Coverage
Where can you use ZEN.COM?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
28 currencies
IBAN accounts in EUR, USD, GBP and 25 more currencies.
Payment reach
Not published
Who can apply
Company incorporation countries86 countries · show list
- Andorra
- Argentina
- Armenia
- Australia
- Austria
- Åland Islands
- Belgium
- Brazil
- Bulgaria
- Cambodia
- Canada
- Cayman Islands
- China
- Colombia
- Comoros
- Costa Rica
- Croatia
- Curaçao
- Cyprus
- Czechia
- Denmark
- Dominica
- Estonia
- Finland
- France
- French Guiana
- Gambia
- Georgia
- Germany
- Gibraltar
- Greece
- Guadeloupe
- Guernsey
- Hong Kong SAR China
- Hungary
- Iceland
- Ireland
- Isle of Man
- Israel
- Italy
- Jersey
- Kazakhstan
- South Korea
- Latvia
- Liechtenstein
- Lithuania
- Luxembourg
- Malaysia
- Malta
- Marshall Islands
- Martinique
- Mauritius
- Mayotte
- Mexico
- Moldova
- Montenegro
- Netherlands
- New Zealand
- Norway
- Panama
- Paraguay
- Peru
- Philippines
- Poland
- Portugal
- Réunion
- Romania
- St. Lucia
- St. Martin
- St. Vincent & Grenadines
- Saudi Arabia
- Serbia
- Seychelles
- Singapore
- Slovakia
- Slovenia
- Spain
- Sweden
- Switzerland
- Taiwan
- Thailand
- Türkiye
- United Arab Emirates
- United Kingdom
- United States
- British Virgin Islands
Owner nationality244 countries · show list
- Andorra
- United Arab Emirates
- Antigua & Barbuda
- Anguilla
- Albania
- Armenia
- Angola
- Argentina
- American Samoa
- Austria
- Australia
- Aruba
- Åland Islands
- Azerbaijan
- Bosnia & Herzegovina
- Barbados
- Bangladesh
- Belgium
- Burkina Faso
- Bulgaria
- Bahrain
- Burundi
- Benin
- St. Barthélemy
- Bermuda
- Brunei
- Bolivia
- Caribbean Netherlands
- Brazil
- Bahamas
- Bhutan
- Bouvet Island
- Botswana
- Belarus
- Belize
- Canada
- Cocos (Keeling) Islands
- Congo - Kinshasa
- Central African Republic
- Congo - Brazzaville
- Switzerland
- Côte d’Ivoire
- Cook Islands
- Chile
- Cameroon
- China
- Colombia
- Costa Rica
- Cuba
- Cape Verde
- Curaçao
- Christmas Island
- Cyprus
- Czechia
- Germany
- Djibouti
- Denmark
- Dominica
- Dominican Republic
- Algeria
- Ecuador
- Estonia
- Egypt
- Western Sahara
- Eritrea
- Spain
- Ethiopia
- Finland
- Fiji
- Falkland Islands
- Micronesia
- Faroe Islands
- France
- Gabon
- United Kingdom
- Grenada
- Georgia
- French Guiana
- Guernsey
- Ghana
- Gibraltar
- Greenland
- Gambia
- Guinea
- Guadeloupe
- Equatorial Guinea
- Greece
- South Georgia & South Sandwich Islands
- Guatemala
- Guinea-Bissau
- Guyana
- Hong Kong SAR China
- Heard & McDonald Islands
- Honduras
- Croatia
- Haiti
- Hungary
- Indonesia
- Ireland
- Israel
- Isle of Man
- India
- British Indian Ocean Territory
- Iraq
- Iran
- Iceland
- Italy
- Jersey
- Jamaica
- Jordan
- Japan
- Kenya
- Kyrgyzstan
- Cambodia
- Kiribati
- Comoros
- St. Kitts & Nevis
- North Korea
- South Korea
- Kuwait
- Cayman Islands
- Kazakhstan
- Laos
- Lebanon
- St. Lucia
- Liechtenstein
- Sri Lanka
- Liberia
- Lesotho
- Lithuania
- Luxembourg
- Latvia
- Libya
- Morocco
- Monaco
- Moldova
- Montenegro
- St. Martin
- Madagascar
- Marshall Islands
- North Macedonia
- Mali
- Myanmar (Burma)
- Mongolia
- Macao SAR China
- Northern Mariana Islands
- Martinique
- Mauritania
- Montserrat
- Malta
- Mauritius
- Maldives
- Malawi
- Mexico
- Malaysia
- Mozambique
- Namibia
- New Caledonia
- Niger
- Norfolk Island
- Nigeria
- Nicaragua
- Netherlands
- Norway
- Nepal
- Nauru
- Niue
- New Zealand
- Oman
- Panama
- Peru
- French Polynesia
- Papua New Guinea
- Philippines
- Pakistan
- Poland
- St. Pierre & Miquelon
- Pitcairn Islands
- Puerto Rico
- Palestinian Territories
- Portugal
- Palau
- Paraguay
- Qatar
- Réunion
- Romania
- Rwanda
- Saudi Arabia
- Solomon Islands
- Seychelles
- Sudan
- Sweden
- Singapore
- St. Helena
- Slovenia
- Svalbard & Jan Mayen
- Slovakia
- Sierra Leone
- San Marino
- Senegal
- Somalia
- Suriname
- South Sudan
- São Tomé & Príncipe
- El Salvador
- Sint Maarten
- Syria
- Eswatini
- Turks & Caicos Islands
- Chad
- French Southern Territories
- Togo
- Thailand
- Tajikistan
- Tokelau
- Timor-Leste
- Turkmenistan
- Tunisia
- Tonga
- Türkiye
- Trinidad & Tobago
- Tuvalu
- Taiwan
- Tanzania
- Ukraine
- Uganda
- U.S. Outlying Islands
- United States
- Uruguay
- Uzbekistan
- Vatican City
- St. Vincent & Grenadines
- Venezuela
- British Virgin Islands
- U.S. Virgin Islands
- Vietnam
- Vanuatu
- Wallis & Futuna
- Samoa
- Yemen
- Mayotte
- South Africa
- Zambia
- Zimbabwe
Owner residency
Not publishedCompany types
Companies, Partnerships, Sole traders, Other legal entities
Pricing
What does ZEN.COM cost?
Look beyond the monthly fee. Your total cost depends on how many transfers you make, where they go and how much you convert.
Account cost
Opening fee
Not published
Monthly fee
From €0
depends on plan
Smart
Lowest cost€0 per month
Setup fee not published
Enterprise
€100 per month
Setup fee not published
Transaction fees
| Cost | Smart | Enterprise | How it is charged |
|---|---|---|---|
| Outgoing | |||
| SEPA | 0.1%, min €1 | Free | Percentage, with a minimum charge |
| SWIFT / international | 0.1% + €15 | 0.1% + €3 | Percentage plus a fixed fee · With shared bank charges; more if you cover all charges |
Other fees
Currency exchange (FX)
| Cost | Listed amount | How it is charged |
|---|---|---|
| FX markup | 0–0.5% | Percentage of the amount; varies by plan · 0.5% on Smart, none on Enterprise |
Cards
| Cost | Listed amount | How it is charged |
|---|---|---|
| Virtual card issue | Free | No charge · One on Smart, three on Enterprise |
| Physical card issue | Free | No charge · One on Smart, two on Enterprise |
| ATM withdrawal | 2% | Percentage of the amount · Free up to €200 a month on Smart, €1,500 on Enterprise |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Check eligibility
Confirm your company's country and your passport are supported.
- 2
Contact form
Fill in the online form.
- 3
Onboarding email
ZEN emails you within a few days with the next steps.
- 4
Verification
Shareholders, directors and owners verify their identity.
Documents you need
- Valid passport/identity document from an accepted country
- Shareholder, director and UBO identity information
FAQ
Your questions, answered.
Is ZEN.COM a bank?
No. UAB ZEN.COM is an e-money institution licensed by the Bank of Lithuania, authorisation code LB000457. The business account is an electronic-money account, not a bank deposit.
How much does a ZEN.COM business account cost?
The Smart plan is free and Enterprise costs €100 a month. On Smart, a SEPA payment costs 0.1% with a €1 minimum, SWIFT 0.1% plus €15, and currency exchange 0.5%. On Enterprise, SEPA payments and currency exchange carry no fee.
Which countries does ZEN.COM accept companies from?
ZEN publishes a list of 86 countries, including the EU, the UK, the US, Canada, Australia, Hong Kong, Singapore and the UAE. Companies registered elsewhere cannot open a business account.
Which businesses does ZEN.COM not accept?
Its prohibited activities include unlicensed businesses, weapons, pornography and adult content, home-made alcohol and tobacco, offshore banking and shell banking, counterfeit goods and offensive materials.
Does ZEN.COM offer cards?
Yes. Virtual and physical business cards, issued as Mastercard or Visa depending on availability. Smart includes one of each free; Enterprise includes two physical and three virtual.
Alternatives
How ZEN.COM compares.
If ZEN.COM is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
| ZEN.COMThis pageE-money institution |  | 28 currenciesFree plan |
 Wise BusinessE-money institution |   | Low FX costsStandard businesses |
 Revolut BusinessBank | | Cards and spend controlsStartups and SMEs |
 GenomeE-money institution | | Published pricesVisa cards |
 PayswixE-money institution | | Named IBANSEPA and SWIFT |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.