ZEN.COM backs down on forced move from 9.99 zloty Pro plan to Better

The fintech ZEN.COM has changed its decision on customers of the Pro plan who pay the promotional 9.99 zloty a month. According to the website Antyweb, the company has dropped the automatic move of these customers to the new Better plan in December. Antyweb published the report on 23 October 2026.

What was announced on 20 October

ZEN.COM revealed its new subscription plans on 20 October 2026. Alongside the free Good plan there are Better at 9.99 zloty, Best at 27.99 zloty and ZEN at 67.99 zloty a month. The change fits the company's Pay Better strategy, meaning more shopping benefits and protection, including while travelling.

Pro customers were angered that the range of services was changing at the same price. The criticism appeared on X and in messages sent to the media. It came especially from people using Pro in Poland and in zloty.

The dispute over "forever"

According to Antyweb, the promotion's marketing suggested a fixed price of around 10 zloty "forever". The standard Pro price outside the promotion was 30 zloty a month. The terms of the promotion, which ran from 15 November to 31 December 2024, gave three months free and then 9.99 zloty a month. Clause 5, however, made the continued discount depend on the plan remaining in the price list. ZEN.COM's press office explains that the slogan referred to the promotional price, with the details set out in the terms.

What has changed now

ZEN.COM's press office told Antyweb that, for customers covered by the promotion, the company is changing neither the price nor the plan without their decision. They can keep using Pro on the current terms for 9.99 zloty a month. Confirmation is also said to be in the Help Centre, updated on 23 October. The company has emailed Pro customers paying 9.99 zloty.

There are conditions, however:

• from 24 October 2026, moving from Pro to a new plan is irreversible, so there is no way back to Pro after switching;
• anyone who requested a switch before 24 October that has not yet taken effect can ask ZEN.COM support to cancel it;
• products registered under the two-year extended warranty stay protected for the whole period granted, even after a plan change.

How Better differs from Pro

Antyweb points out that Better at 9.99 zloty is not a full equivalent of Pro. Pro with the ZEN Card Pro gave two years of extended warranty on electronics with a limit of 5,000 euro per product, while Better gives one year and 1,500 euro. The monthly limit for fee-free cash machine withdrawals was 3,600 zloty in Pro and is 860 zloty in Better. Better also introduces a 0.4 per cent fee for currency exchange outside market hours, which Pro does not have. On the other hand, it adds, among other things, best price protection and cash machine withdrawal protection.

The author adds that he asked the Office of Competition and Consumer Protection (UOKiK) about the matter but had received no reply by the time of publication.

What this means for you

The change mainly affects customers of the promotional Pro plan billed in zloty. If you have such an account, you can stay on your current 9.99 zloty plan. Before switching plans it is worth comparing limits and fees, because there will be no way back to Pro. The source does not describe how the changes apply to other currencies or in the UK.