Polish fintech company ZEN.COM has officially launched its services in Ukraine, offering multi-currency accounts, payment cards, and international transfer tools. According to Liga.net, the service is now fully available to Ukrainian users.
ZEN.COM positions itself not as a traditional bank, but as a financial app providing an account, a card, and a suite of payment services. Features for Ukrainian users include multi-currency accounts, international transfers, cashback, ZEN Care purchase protection, and the ability to withdraw funds from PayPal without conversion losses.
The company operates as a licensed European electronic money institution under the supervision of the Bank of Lithuania. Using the EU “passporting” rule, ZEN.COM can provide its services in countries of the European Economic Area, allowing it to enter Ukraine with an established payment infrastructure rather than building a local bank from scratch.
ZEN.COM had already offered services to Ukrainians prior to the formal launch, including separate pages for users in Ukraine and abroad, as well as instructions for account opening. The current step represents an expansion and formalization of its presence in the Ukrainian market.
For Ukrainian users, the service is particularly suited for multi-currency transactions, EU transfers, and working with foreign platforms. However, ZEN.COM is not a direct replacement for a universal Ukrainian bank. Its focus is on fintech solutions for daily international payments, rather than a full banking service.
With this launch, ZEN.COM aims to establish itself in Ukraine as a standalone fintech product, expanding its suite of payment tools and integrating further with local users’ financial needs.
