iPhone Screenshots


Zero combines the simplicity of a debit card with the cash back of a credit card through an easy to use app. Banking has never been so rewarding.

Your money is safe and secure in an FDIC-insured checking account and you can earn unlimited rewards on both your net deposits and your purchases with Zerocard.

It takes just minutes to apply right from the app.

Use your card in any currency, in any of the 190 countries where Mastercard is accepted -- and pay no foreign transaction fees.

Get cash from ATMs all over the world and you won’t pay any ATM fees beyond what the ATM owner may charge -- and at the Carbon level, you won’t pay that either!

With Zero, you won’t be charged account minimum fees or monthly maintenance fees.

Questions? Our support team in California is always here for you, 24 hours a day, 7 days a week.

Download today and start Banking with Zero Compromises.

Zerocard is issued by WebBank, Member FDIC. Zero Checking is provided through Evolve Bank & Trust, Member FDIC.

What’s New

Version 1.1.5

Bug fixes and performance enhancements

Ratings and Reviews

4.4 out of 5
246 Ratings

246 Ratings

Jazmeenandherreviews ,

🧐 ...


Still no Apple Pay and also no instant deposit for people that get paid the untraditional way via Uber Postmates Lyft etc. To many neobanks coming in the market I will wait and see what happens with this bank by 2020

Finally got my debt card which took more than 2 weeks to get. So beware of that. Also no Apple Pay and debt card does not work with other apps like cash app or Venmo. Customer service is quick but seems not very professional on the phone. Lots of features in the app don’t work yet as live chat support send a check and cash a check. I feel like before launching fully all these things should be ready to use. I will see how they improve on this in the next few months.

Developer Response ,

Hi Jazmeen,

We appreciate your feedback! At the moment, Apple Pay is a work in progress, and once available it will be announced, so please stay tuned. We'll also forward your feedback around Venmo and other apps to our product team. We understand your frustrations with all of the app functions not being available at this time, and we want to assure you our team is working hard to have those functions available as soon as possible! We also appreciate any feedback that you may have for our customer support team so we can provide you with a better customer experience moving forward. Please contact us directly, at support@zero.app or by phone at 888-252-9376, we'd love to hear from you.

Thank you

Squishy Squibbles ,

Comparison between other companies...

Ok, so all of this drama on here from all the negative people is ignored by me. It’s just drama and I hate drama! Anyways, I joined the waiting list as soon as it was opened. Not too long after, I was bumped to level 2. Actual, physical banks don’t provide these kind of rewards and customer support. They’re also not as convenient! Discover came close to what I was looking for in a credit card, but fell short. Zero is the first thing that instantly comes to my mind when people start talking about money and how frustrated they get with their banks or credit card customer support. I always recommend you to all of my friends! I just wish that it was possible to deposit money by check or some other way than direct deposit. I don’t have any other accounts, so I have to turn down checks when given to me by customers and friends. I tell them that I can only take cash or transfer directly from their bank. When is this deposit feature going to become available? Thanks and look forward to being a customer for years to come!! Merry Christmas and God Bless!!!!

Developer Response ,

Thank you for the positive feedback and happy holidays to you too! We have received feedback in the past regarding mobile check deposits and it is something we are considering for the future. Keep an eye out for an update from us as new features become available in Zero App. If you have any other suggestions or feedback, please let us know, we're always looking for ways to make our customer experience better.

Dfmonahan ,

I wish I could give Zero stars.

Upon receiving my Zero card and opening my account, I attempted to transfer money to my Zero account(using the Zero app) from an external bank account. The transfer went through on both Zero’s end and my external bank’s however 10 business days go by and Zero still has not credited the funds to my account. I call Zero and their customer service team takes my information and my account of what happened, and I never hear back. No calls, emails, ZERO. So I call my bank and dispute the transfer through my other bank, which they told me had been completed on their end the business day following the initial transfer from the Zero app. I initiate a dispute with my external bank to get my money back, and then Zero places a retaliatory freeze on my account requesting bank statements in order to “look into it.” I also have to deal with the treasury department because my tax return was scheduled to go into this account. Completely ridiculous, poor customer service, and very unprofessional for a new, online bank with no brick and mortar locations. Stay far away from Zero, the draw of getting cash back is NOT worth the hassle of dealing with these people.

Developer Response ,

Thank you for taking the time to provide your feedback and we apologize for the delay in our reply. For the security of your personal information, we invite you to give us a call to discuss this matter. Our customer support team is available 24/7 and would be able to assist. We hope to hear from you soon.


Zero Financial, Inc.
197.2 MB

Requires iOS 11.0 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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