Rated as one of the world’s top 250 fintechs in 2023 & 2024.

Powerful
Banking

at Zero cost

A fresh, simple and modern App-only bank for individuals and businesses.
Your money’s safe with us. Best-in-world security, and your balance up to R100k is insured by the Reserve Bank.
Patented and personalised card with powerful security and global reach (only 1% mark-up on non-ZAR purchases).
Card machines for businesses at Zero monthly fees and great service, here.
 
Commercial banking for any size business, streamlined and easy. Read our blog.
Need assistance? With email (info@bankzero.co.za) or WhatsApp chat  (079 221 6628) 7 days a week you get peace of mind.

Get Your

App

After downloading the App, register in 2 simple steps

Not available in Huawei AppGallery

Special

Features

Not only do you no longer have to pay high banking fees, but we also help you get rid of those typical banking irritations.

Zero
Card Fraud

No skimming,
no online fraud

Unique-in-world patent protects you from losing any money to card data theft, card skimming or fraudulent eCommerce transactions.

A further innovation ensures ALL online card transactions are approved by you: if not a 3DS transaction, you use your “card subscriptions” list to tell us which merchants’ transactions we may auto-approve on your behalf.

Zero Debit
Order Surprises

Always receive
alerts beforehand

For NEW debit orders, we warn you with a red task on your App. Reject if you don’t recognise it, and it won’t even hit your account.

For EXISTING debit orders, we always warn you just before it runs, so that you manage your cash flow.

Pay
Immediately

Lowest cost 
above R3000

Pay only R6.50 for any amount. (Unfortunately, if the amount is above R3000 to FNB/RMB, Standard or ABSA, we are forced to charge R12.)

Shared
Accounts

Clubs, stokvels,
households, couples, kids

Directly connect your account with family, friends, kids, staff, co-owners of businesses, club/stokvel members, or basically anyone you choose.

Share information, allow inward (but not outward) flows from all.

Easy
Card Control

From ATM to Online
transactions

Lock fully if temporarily lost, or lock only some parts like Online use or ATM use. You can even select what ATM use is allowed (once / always / never).  
Choose if card is locked for taps below R500.
Appoint someone to approve online card transactions on your behalf.
Download to see everything you can do.

Easy
Downloads

With a swipe and a tap,
straight into Excel

Transaction history viewable on App can be downloaded straight into an Excel file for further transaction analysis.
Swipe down to required date (as far back as you want), then tap the Excel icon to create the file on your phone. 

Relationship
Banking

Setup people to load
payments for you

Assistants, staff members, family members… anyone helping with your banking admin… They load, you do final authorisation.

Under
16?

Own profile, own card
& own login

Once legal guardian kick-starts process by providing child’s proof of ID, child can then create own unique profile,  with own personal access and with full control over own transactions.

Business & Commercial

Banking

Large CIPC-registered companies or small sole traders. NPOs or partnerships. Same zero fees, same awesome features.

Payments
control

Multi-level
authorisations

Easily build and change your own authorisation chain within a few minutes. No need to call anyone – just drag the authoriser’s face tile to the required level.

Up to 3 levels, with the flexibility of 3 names per level. 

Example

Card
Machines

Seamlessly order
and link a POS

Zero monthly fees, only a small once-off upfront payment to iKhokha for the machine.

Automatically link business account to machine, without needing to re-FICA. 

Get started here

Pay
Many

Multiple payments,
one single screen

Business or individual, pay suppliers and staff from one single App screen. If list too long to comfortably type on phone, just upload csv file from computer.

You can also export all existing recipients from App into a csv file.

Seamless
Integration

Link to external
accounting software

Connect Xero directly to your Bank Zero account and automatically import your transactional data. No more manual data entries.

Xero Website

Step 1 – Start process

  • Tap ‘+’ on grey empty tile, then choose ‘Add business’ and select relevant type.


Step 2 – Provide proof that business exists

  • Depends on business type – CIPC certificate / DSD certificate / trust deed / etc. Sole traders provide nothing. (We’ll guide you on the screen.)

     

Step 3 – Add all owners plus those mandated to open / maintain this banking profile

  • One single, simple screen.
  • Owners = directors / shareholders / members / trustees / etc (depends on business type) and all ultimate beneficial owners (where applicable). 
  • If owner is an individual, give name and cell number. (For FICA, as per law, and to link their personal profiles to the business.)
  • If owner is a business, give registration / trust / etc number.
  • If want to create authorisation chain now, go ahead.  Or do it later.


Step 4 – To make it easy, we auto-populate all necessary declarations
…and email to you – just add a last info we don’t yet have, then sign:

  • Resolution to appoint mandated officials.
  • Ownership / control structure showing all shareholders and ultimate beneficial owners.
  • Watch out for messages to re-submit documentation.

Contact

Us

Everything has been designed so that you have full control and do not need to contact us for help.

If you do still need assistance, email us at info@bankzero.co.za or WhatsApp us on 079 221 6628.