Frequently Asked Questions

Your GB IBAN is fully unique to your business and supports payments in 32 currencies.

For local DKK payments, Zento currently uses a pooled Danish registration and account number. All clients use the same account details, but each client receives a unique Reference ID that must be included with incoming payments so the funds can be allocated correctly.

Zento plans to introduce fully unique Danish account numbers in Q3 2026.

Yes, Zento offers special accounts available for Danish companies to use with Nemkonto. Please find details here:

https://zento.app/en/nemkonto/

You may cancel at any time without penalty. The subscription is pay-as-you-go, with no minimum term.

If the subscription fee cannot be collected, your account will automatically be downgraded to the Free plan. You can continue using your account on the Free plan or upgrade again at any time.

Zento is a trademark of EMPMAP Limited. Communication and inquiries can be sent via email to info@zento.app. If you have questions or complaints, these can be addressed by following the complaints page found here: https://zento.app/en/complaints/

Zento offers two types of DKK accounts:

Local Danish DKK account
A pooled Danish account with a local registration number and account number. Each client receives a unique Reference ID, which must be included with incoming payments. The account can be used to send and receive DKK payments through local Danish payment rails.

Zento plans to introduce fully unique Danish account numbers in Q3 2026.

This service is available only to companies incorporated in Denmark.

DKK account within the multi-currency GB IBAN
DKK is also available as part of Zento’s multi-currency account with a unique GB IBAN. It can be used to send DKK payments through local Danish payment rails and to receive payments via SEPA and SWIFT in any of the 32 supported currencies.

EUR is included in the multi-currency account. Clients can send and receive EUR payments via SEPA using either their multi-currency IBAN or dedicated SEPA account details.

GBP is available as part of the multi-currency account. Clients can send and receive GBP payments via SWIFT. Faster Payments Service (FPS) payments are not currently supported.

Download our step-by-step guide: How to install 2FA

No. The account solutions offered are exclusively digital, and cash deposits are not supported.

Debit cards are planned for introduction in Q3 2026. Once available, cash withdrawals at ATMs may be supported, subject to the card terms and availability.

Client funds are safeguarded in accordance with applicable European regulations and kept separate from the electronic money institution’s own funds. This helps protect client funds if the institution experiences financial difficulties.

For full details, please refer to the relevant EPMAP Limited Terms and Conditions: https://mapepay.eu/account-general-terms-and-conditions/

No, MobilePay is not currently supported. Zento plans to make this feature available later in 2026.

No, Betalingsservice and FI-cards are not currently supported. Zento plans to make those features available later in 2026.

Yes. You can use your multi-currency account to send and receive payments in 32 currencies via SEPA, SWIFT and supported local payment rails.

You can also exchange currencies directly in your account at competitive rates ranging from 0.49% to 1.49%, depending on your plan.

Zento supports DKK transfers through TIPS, the infrastructure used to settle instant DKK payments. If the recipient’s payment provider supports instant DKK transfers, the payment will usually arrive within seconds. Otherwise, it may be processed as a standard DKK transfer.

Yes, through your local DKK account. If the sender’s payment provider supports instant DKK transfers via TIPS, the payment will usually arrive within seconds. Otherwise, it may be processed as a standard DKK transfer.

This service is available only to companies incorporated in Denmark.

Yes. Companies incorporated in Denmark can have between one and five local DKK accounts, depending on the plan chosen.

In addition, every company, regardless of its country of incorporation, receives one multi-currency account with a unique IBAN supporting 32 currencies. Each currency has a separate balance, while all balances share the same IBAN. Separate account details are also provided for EUR SEPA transfers.

Danish account holders can pay taxes and VAT using Zento’s one-click tax payment feature, available in the Payments menu.

You may receive information about amounts due by email, through e-Boks or by checking the balance of your tax account on SKAT.dk. To make a payment, log in to the Zento platform, go to Payments, select the tax payment option, enter the amount and confirm the payment using 2FA.

Payments are usually registered on SKAT.dk within 24 hours.

Questions and complaints can be submitted by following the instructions on our Complaints page: https://zento.app/en/complaints/

Please contact info@zento.app to inform us of any changes to your company details or structure. This allows us to keep your account information accurate and up to date.

Changes that must be reported include:

• Business activity or NACE code
• Company name
• Ownership structure
• Registered or operating address
• Contact details

Failure to report relevant changes may result in the temporary suspension of your account while the information is reviewed and updated.

A business plan is a written document that explains what your business does, what you want to achieve and how you plan to achieve it. It acts as a roadmap for your business.

Your business plan should answer questions such as:

• What does your business do?
• What products or services will you offer?
• What do you want to achieve?
• How will you achieve your goals?
• How will you attract customers?
• How will your business generate revenue?
• What is the size and nature of your market?
• Who are your target customers?
• Who owns and manages the business?
• What turnover and profit do you expect?
• How was the business funded and started?

For a business plan template or help preparing your plan, please contact our onboarding team at info@zento.app.

Select Priority to send the payment via SWIFT, or Regular to send it via SEPA.

Transfers to and from Greenland are processed via SWIFT, as Greenland is outside the geographical scope of the SEPA schemes.

Greenland uses Danish kroner (DKK), while SEPA applies specifically to euro payments. Greenlandic IBANs begin with GL.

Applications are completed online and are usually approved within one business day once all required documentation has been submitted correctly and the company’s CEO and ultimate beneficial owners (UBOs) have completed the online identity verification process.

Zento does not provide account services to companies involved in the following activities:

• Weapons, defence or military-grade security
• Multi-level marketing
• Pawnbroking
• Political organisations
• Precious metals and gemstones, including diamond trading
• Unauthorised resale of luxury goods, including watches
• Adult entertainment
• Drug paraphernalia
• CBD and related products
• Carbon credits and carbon-credit trading
• Cryptoassets
• Gambling, betting and lotteries
• Ponzi or pyramid schemes
• Illegal goods or services, including counterfeit goods, trademark infringement, human trafficking, child labour and prostitution
• Mining and extraction
• Scrap-metal trading
• Energy trading
• Speculative trading

Applications are assessed individually, and additional restrictions may apply depending on the nature of the business and its activities.

Yes. Each client receives access to a pooled Danish registration number and account number, together with a unique Reference ID that must be included with incoming payments. Fully unique Danish account numbers are planned for Q3 2026.

This service is available only to companies incorporated in Denmark.