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 0.4.9

Sometimes we miss 1999. Friends was still on the air. TLC taught us to rid ourselves of scrubs. There are things we don't miss, like pop-ups.

Occasionally, we have to interrupt the flow of Zero to give you some info (like to confirm that you want to lock your card). We really didn't want this to feel icky (like a pop-up), so we redesigned these alerts to make them much less irritating.

We also squashed some bugs along the way.

Ratings and Reviews

4.1 out of 5
33 Ratings
33 Ratings
honestAAB ,

Pretty Let Down...

I never do these, and if so usually I can say something positive along with a critique. The best I can do is say they definitely draw you in with the luster. Despite the mixed reviews about them hoarding personal info and never actually signing up and CSR experiences, I chose to ignore and take the chance...I have to say, regretfully, those reviews might not be false or vindictive. Not only was I signed up early on for access but, even tried sign up bonuses (confirmed) with no boost in line. Worst of all is that when I have been checking periodically the app, my spot seems to go the opposite direction. Every few hours adds a 100 or 200 spot increase in the wrong direction. Hate to do this bc, like most of you, I was excited about the opportunity...but it goes nowhere guys. Sorry Zero but, you didn’t leave me any fighting points in your defense.

Developer Response ,

Hello honestAAB,

Thank you for taking the time to write us a review. We understand your frustration and would like to help clarify some things about the waitlist. Keep in mind that your spot on the waitlist is based on the qualifying actions you’ve taken. When you refer a friend to Zero, your waitlist spot can go up, but if someone else refers more people, they might jump to an even higher spot, which may cause your position to change. We've accepted applications from our first public users for our Beta program and have plans to open up more spots soon. We appreciate your continued patience as we work to deliver a product we think you'll love! If you have any additional questions, feel free to contact our customer support team 24/7 via email at support@zero.app or by phone at 888-252-9376.

uttej_ ,

This is unique!

I loved the idea of making a better banking system by combining pros of credit card and debit card. The physical card is very unique than any other cards in my wallet which is easy to notice while you are taking it out as I carry 5-6 cards in my wallet.

Seriously, when you see the physical card, you can feel it, and it is definitely worth the wait.

The app seems to be getting better on every single update and I personally love the way they are adding features making it very seamless.

Developer Response ,

Thanks, we appreciate the positive feedback!

2020money ,

3% Cash Back is nice!!!!

Just got my first cash back! The 3 percent adds up fast and no more waiting for gift cards like from my bank. The app design puts you in control of your money... I’m lovin’ it! Call Center has been really helpful too. Thx!

Developer Response ,

Glad to have you as one of our first customers 2020money! Happy to hear you're enjoying your Zerocard.


Zero Financial, Inc.
136.4 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.
© 2018 Zero Financial, Inc.


  • Family Sharing

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

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