A "zero effort nonbank"

 Key Data

  • Trading Name: ZEN.com
  • Legal Entity: Zen.com, UAB/Zen-UK Limited/Zen Uk Holdings Ltd
  • Activities: all-in-one mobile app
  • Location: Lithuania
  • Regulations: licensed from the Central Bank of Lithuania & FCA
  • Key People: Dawid Rożek/Zak Newton/Sam Francis Gadd/Deborah Jane GaddZEN

ZEN (zen.com) is a payment model launched in November 2020. By taking a new approach to online commerce and paying for purchases, it aims to support both merchants and consumers.The payment processor holds an e-money license under the supervision of the Central Bank of Lithuania, and the European Banking Authority has approved the company’s operations throughout the European Economic Area (EEA).

The fintech is partners with numerous payment organizations such as Mastercard, VISA, American Express, and Union Pay, and cooperates with global and local payment methods.

The company was founded by Dawid Rożek.



It offers a range of features such as shopping, exchanging money, and managing your daily finances.

Their main service includes:

  • money transfer
  • virtual and physical ZEN Mastercard
  • multi-currency account

for individuals and business costumers


Low to High Risk:

Fintech, Gaming, Crowdfunding, Marketplaces


  • ZEN.COM is a licensed financial institution under the supervision of the Central Bank of Lithuania approved by European Banking Authority for 31 countries. Registration number of the company 304749651, VAT ID LT100011714916. License of electronic money institutions number LB000457.
  • FCA Reference 900889, UK & Northern Ireland, Operating office: Zen-UK Limited company reg. 13953648, International House Nile Street, 64, London, England, N1 7SR


Online Reputation

ZEN.COM has been used as a medium for fraudulent activities. Scammers have been using the name of ZEN.COM to trick people into depositing money into their accounts.

According to the reviews on Glassdoor, ZEN.COM is a private financial services company based in Vilnius, Lithuania. It has between 51 to 200 employees and its revenue is unknown or non-applicable. The company has received mixed reviews from its employees. Some employees have praised the company for being professional and organized, while others have criticized the management and HR for being terrible. There have also been complaints from customers about their accounts being locked for fraud or losing money in transfer 

Customer review

Trustpilot: 3.6 Stars with 1.700+ Reviews

Compliance Problems

In a recent complaint, an unnamed party has raised concerns about EMI ZEN.com UAB, highlighting serious operational issues due to insufficient human resources. The complainant alleges that the company relies heavily on automated systems for support and compliance, resulting in the freezing of business accounts and the use of misleading automated responses. The complainant even goes so far as to warn others to stay away from EMI ZEN.com UAB, hinting at possible involvement in fraudulent activity.

These allegations shed light on the potential problems customers face when dealing with EMI ZEN.com UAB and raise questions about the operational integrity of the company. We await further investigation and a response from the company to clarify these allegations and bring clarity to the situation.


Due to the many complaints about ZEN, the accusations of scammers using it for their illegal activities and the complaints we have received, we are downgrading the provider to RED.

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