Fintech company ZEN has announced its expansion across 32 European markets through a strategic partnership with Mastercard.

ZEN’s offer is available via the online transaction service and the mobile app in a transparent subscription model. The fintech tool is perfectly suited for managing shopping transactions, especially in the booming e-commerce sector.

ZEN’s services are now available in 32 countries across Europe. With headquarters in Poland and digital money license issued by the central bank of Lithuania, ZEN provides customer service in English and Polish, with more languages to be added soon.

ZEN’s founder, Dawid Rożek, emphasised: “As an entrepreneur running my own international, digital business, I have encountered many challenges while managing my finances with traditional banking solutions. It has been taking too much of my time, distracting me from growing my business. 

“This experience has made me realise that there are more people like myself, who need a comprehensive, digital financial suite, which gives peace of mind in terms of managing their money and shopping transactions. This is how the ZEN concept was born. Our mission is to provide effortless fintech experience so that our clients can focus on what really matters.”

Individual clients can benefit from the protection of their purchases as a part of the ZEN Care package. It includes a one-year extension of the manufacturer’s warranty for products purchased both online and offline with ZEN’s Mastercard card. 

Shopping with ZEN also means savings. Thanks to the moneyback offer, an immediate return of up to 15% of the purchase’s value to the consumer’s account is available in over 100 partner stores, such as e.g. or 

Savings come also from the use of multi-currency ZEN accounts, which provides customers with no foreign exchange commission across 30 currencies, e.g. when shopping in foreign online stores or when withdrawing from ATMs around the world.

Thanks to Mastercard’s tokenization technology, ZEN offers digital payments via Apple Pay (all markets) and Google Pay (11 markets on the launch date).

Raja Rajamannar, Chief Marketing and Communications Officer, Mastercard, added: “Mastercard is a partner of choice for fintechs around the world and we are delighted that ZEN has selected us to not only partner on leading product development, but also their launch and communications strategy. 

“I truly believe that ZEN’s exciting new customer value proposition combined with a strong marketing strategy driven in partnership with Mastercard, will be a great success for the many people it serves.”