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 annual membership fees, 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. For more information, please visit https://zero.app/zerocard-agreement.

What’s New

Version 1.0.9

We know...we just released. But in our excitement to show you the best direct deposit experience EVER, we did our best Home Alone impression, and left poor Kevin to fend for himself (he did great).
This mini-release adds in a few new under-the-hood fixes to make everything even smoother.

Ratings and Reviews

4.6 out of 5
63 Ratings

63 Ratings

twonthedon ,


By far the best bank experience I’ve ever had! Getting these rewards are fantastic! I’ve referred all my friends and family to start enjoying banking without any fees or harassment to opening unnecessary accounts and everyone else is enjoying it too!

Developer Response ,

That's so great to hear! If you ever need any assistance, please don't hesitate to contact us at support@zero.app or (888) 252-9376. Thank you!

Jkim74 ,


The on-boarding process is horrendous. I tried multiple times to upload my photo ID and it kept saying that they hit a snag and can’t upload. After numerous tries it finally took it and then they tried to run a credit report which my credit lock blocked. why do you need to run credit for a bank card vs credit card. in the meantime, the app just kept saying trying to validate for several days. now it wants me to start all over. complete crap.

Developer Response ,

We're really sorry you've had that experience. Want to call us at (888) 252-9376 and we can take a look? Just to clarify, Zerocard is a credit card. By turning on our Debit-style Experience, you get the benefits of a credit card while maintaining the control that people prefer with debit cards.

Montero Lamar Hill ,

This is the future

Since becoming a Zero customer, I can enjoy my life worry-free. The Debit-Style Experience is a genius way to maintain and handle my spending, so I never have to be concerned about going over. Not to mention phenomenal rewards?! I would recommend this 100 times!!!


Zero Financial, Inc.
158.8 MB

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



Age Rating
Rated 4+
This app may use your location even when it isn't open, which can decrease battery life.
© 2019 Zero Financial, Inc.


  • Family Sharing

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

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