Rates applied today
Cost in EUR per unit of foreign currency when paying or converting with ZEN, against the market reference.
| Operation | Currency | 1 × in EUR | vs reference | Status |
|---|---|---|---|---|
| Card | USD | 0.8630 | +0.50% | fresh |
| Card | GBP | 1.1721 | +0.50% | fresh |
| Card | JPY | 0.0054 | +0.50% | fresh |
| Transfer | USD | 0.8630 | +0.50% | fresh |
| Transfer | GBP | 1.1721 | +0.50% | fresh |
| Transfer | JPY | 0.0054 | +0.50% | fresh |
Published card fee
By published card fee, ZEN ranks #3 of 15 banks open to new customers that we track in Cyprus today.
N26 publishes the lowest card fee in Cyprus today: 0% (vs ZEN's 0.5%). See its page →
Where these numbers come from
Card: the ECB reference rate plus the bank's published margin. Transfers: published margin of 0.5%.
Compare ZEN with every bank in the country on the daily Cyprus table, check what each card charges, or price what your money is worth abroad.
Frequently asked questions
What exchange rate does ZEN use?
ZEN prices card payments via the ECB reference rate plus the bank's published margin. Rates on this page are indicative, derived from published data, and regenerate daily.
What does ZEN charge for card payments abroad?
ZEN publishes a 0.5% foreign-transaction fee on card payments, verified 2026-07-01.
Is there a cheaper bank than ZEN in Cyprus?
Yes — as of today, N26 publishes the lowest card fee (0%) among banks open to new customers that we track in Cyprus.
Rates shown are indicative, derived from each bank's publicly published data, and may differ from the final rate applied at transaction time. MyRate FX is independent and not affiliated with any listed bank. No bank pays for position; sponsored links are labeled and never alter ordering.