Bank Zero operates exclusively through its mobile app — there is no web banking portal for day-to-day transactions. The app is the bank: every function, from opening your account to approving card transactions to managing savings goals, is handled through the Bank Zero app on your smartphone.
How to Log In to the Bank Zero App
Step 1 — Download or Update the App Download the Bank Zero app from the Apple App Store or Google Play. Ensure you have the latest version installed.
Step 2 — Open the App Launch the Bank Zero app on your phone.
Step 3 — Authenticate Bank Zero uses device-bound authentication — the app is tied to your specific phone and cell number. Login is secured by either:
- Biometric login (fingerprint or Face ID, depending on your phone).
- App PIN (a personal PIN you set during registration).
You do not use a username/password combination like traditional internet banking.
Step 4 — Access Your Dashboard After authentication, your account dashboard appears, showing your balance, recent transactions, and quick-action buttons (Pay, Receive, QR, etc.).
App Features Overview
| Feature | Description |
|---|---|
| Account balance | Live balance display for all accounts |
| Transaction history | Full statement with search and filter |
| EFT payments | Send money to any SA bank account |
| Pay by cell number | Instant payment to Bank Zero customers |
| QR Pay | Free Bank Zero–to–Bank Zero QR payments |
| Pay Many | Batch payment to multiple beneficiaries |
| Debit order management | View, dispute, and manage debit orders |
| Card controls | Freeze, unfreeze, cancel, replace card |
| Card PIN management | Change your card PIN in-app |
| Savings goals | Create named savings goals |
| Notice accounts | Open 7-day, 32-day, or 45-day notice savings |
| Prepaid purchases | Buy airtime, data, electricity |
| Statement download | Download monthly statements as PDF |
| Apple Pay | Add card to Apple Pay from the app |
| Push notifications | Real-time alerts for every transaction |
| In-app support | Contact Bank Zero support directly from the app |
Account Management: Key Tasks
Changing Your Contact Details Navigate to Profile > Personal Details in the app. You can update your email address and, in some cases, your cell number (subject to re-verification).
Updating Your Proof of Address Go to Profile > Documents and upload a new proof of address directly.
Opening a Notice Account From the main dashboard, tap "+" (Add Account) and select your preferred notice period (7-day, 32-day, or 45-day). Notice accounts earn higher interest than the instant-access savings account.
Troubleshooting
I Cannot Log In to the App
- Ensure your phone has an active internet connection (Wi-Fi or mobile data).
- Make sure you are using the correct phone that was registered with your Bank Zero account — the app is device-bound and cannot be used on an unregistered phone without going through a re-registration process.
- If you have changed phones, you will need to re-register your app: download the app on the new phone, enter your cell number, and complete the verification process.
- If biometric login fails, use your app PIN as an alternative.
I Forgot My App PIN
If you have forgotten your in-app PIN:
- On the login screen, tap "Forgot PIN" or "Reset Access".
- The app will send a verification code to your registered South African cell number.
- Enter the code and follow the prompts to set a new PIN.
- If you cannot receive an SMS (e.g., SIM is lost), contact Bank Zero at info@bankzero.co.za or 079 221 6628 (WhatsApp) for assisted recovery.
I Did Not Receive an OTP / Verification SMS
- Check that your phone has signal and is not in aeroplane mode.
- Ensure your registered cell number is the active SIM in your phone.
- Wait 2–3 minutes and request a new OTP.
- If the problem persists, contact Bank Zero via WhatsApp or email.
A Payment Is Not Showing in the App
- Pull down to refresh the transaction screen in the app.
- EFTs to other banks may take 1–2 business days; confirm the payment reference with the recipient.
- If a confirmed payment does not appear after 48 hours, contact Bank Zero support with the payment reference and amount.
My Card Is Lost or Stolen — What Do I Do?
- Open the Bank Zero app immediately.
- Go to the Card section (account tile menu > Card).
- Tap "Freeze Card" to temporarily block all transactions.
- If the card is confirmed lost or stolen, tap "Cancel Card" and order a replacement through the app.
- Report any suspicious transactions to Bank Zero at info@bankzero.co.za.
