Help Center

Zeeo is a mobile-first financial app for people who don't want their money lent out, invested, or used to earn interest. You can hold dollars and euros, receive money into your own virtual account, and send to bank accounts in the US and Europe. Zeeo is a technology company, not a bank. We build the app. Funding your account, converting between currencies, and sending money to banks are carried out by licensed financial institutions we work with.

Digital dollars and digital euros. Each one is issued by a regulated financial company that holds reserves designed to keep it worth exactly one dollar or one euro, and it sits in a wallet only you can access. You never have to think about how this works to use Zeeo. But it's worth knowing two things: your balance is not a bank deposit and is not government-insured, and while it is built to stay at one-to-one, that value is not guaranteed.

You don't need one to hold or send money in Zeeo. You will need one to move money in and out — you can transfer to and from any bank account you hold, in the US via ACH and in Europe via SEPA.

We are onboarding our first users personally, one at a time, through iOS TestFlight. You need to be 18 or older and live in the United States or the European Union. Request access from our homepage and we'll be in touch.

You'll create an account with your email, then complete identity verification with our licensed partner before you can send or receive money. That means providing your name, date of birth, address, and a government-issued ID. This is a legal requirement for anyone moving money, and the verification is carried out by our partner, not by Zeeo.

Zeeo never holds your money, so it can never lend it out. Your balance is not deposited with us, not pooled with other users' funds, and not used to fund loans, investments, or debt. You earn no interest and you are charged none. This is structural, not a policy we could quietly change later. We don't have your money to lend.

No. And we couldn't if we wanted to. Your money sits in a wallet whose keys are split across separate systems, so no single party, including Zeeo, can move it. We can't lend it, invest it, freeze it, or transfer it without you.

Most financial apps hold your money on their own balance sheet and lend or invest it to generate returns. That's how the model works, and it's usually disclosed somewhere in the terms. Zeeo is built differently: we never hold your money, so it is never lent out or invested. If that matters to you, that's the reason to switch. We'd rather you make the decision on that basis than on claims about anyone else.

Zeeo is built so that your money is never lent, never invested, and never used to generate interest — the structure that makes conventional banking problematic under Islamic finance principles. We'd rather be precise than promotional. Zeeo itself pays and charges no interest. Your digital dollars and euros are issued by third parties who hold their own reserves, and scholarly opinion on how those reserves are managed is not unanimous. We encourage you to review our approach and consult a scholar you trust.

Yes. You can hold and manage both side by side in one app and switch between them whenever you choose. The rate and any fee are shown in full before you confirm.

You receive money into your own virtual account with a personal IBAN or ACH Account and Routing number. Share those details the same way you'd share bank details, and money sent to them arrives in your Zeeo balance.

Send directly to external bank accounts over ACH in the US and SEPA in Europe — including accounts you hold with other providers. Always check the account details before confirming. Transfers are final once sent, and we cannot reverse one or recover money sent to the wrong account.

Yes. You can send to another Zeeo user instantly using their Zeeo @username handle. Sending inside Zeeo carries no Zeeo fee.

| Transfer | Typical timing | | -------------------- | ------------------------------- | | To another Zeeo user | Seconds, 24/7 | | SEPA Instant | About 5 minutes, 24/7 | | SEPA | 1–3 business days | | US wire | Within 2 hours on business days | | ACH within the US | Same or next business day | | Cross-border | Up to a few business days | These are typical timings, not guarantees. Transfers depend on banking networks, bank cut-off times, weekends and holidays, and can take longer. First transfers and larger amounts may take additional time while verification checks complete.

Yes. Limits apply per transfer and per month, and they depend on your verification level. You'll see your current limits in the app. We may adjust them or ask for additional information for larger transfers — a standard requirement for anyone moving money.

Check the status in the app first — most delays resolve within the timings above. If a transfer is still missing after the expected window, email support@getzeeo.com with the transfer reference and we'll trace it with our payment partner. If you sent money to the wrong account, tell us immediately. We'll do what we can, but transfers are generally final and recovery is not guaranteed.

Your account is protected by biometric login (Face ID or fingerprint) and device-level security. Your wallet keys are split across separate systems, so no single party — including Zeeo — can move your money on its own.

Install Zeeo on your new device and sign in with the same email and biometric verification you used before. Your balance is tied to your account, not to a single device. Important: access depends on you being able to sign in to the email address on your account. Because we cannot access your wallet, we cannot restore access for you if you permanently lose access to that email. Keep it secure and recoverable, and let us know at support@getzeeo.com if you need to change it.

No. We have no technical ability to move, freeze, or seize your balance. We can restrict access to the Zeeo app itself — for example if required by law or if we detect fraud — and our licensed payment partners can decline or delay a transfer under their own legal obligations. But your balance remains yours throughout.

No. Transfers are final once sent. Always check the recipient details before you confirm. ## What are the risks I should know about? Three, stated plainly: - Access. If you lose access to your account email, we cannot restore it for you. - Finality. Transfers can't be reversed. A mistake in the details can mean permanent loss. - Value. Your balance is designed to stay at one-to-one with the dollar or euro, but that is not guaranteed, and it is not a bank deposit or government-insured.

No monthly account fees, no maintenance fees, no subscriptions. You only pay when money leaves Zeeo to a bank account: 1% of the amount plus $2 for a US account (ACH) or €2 for a European account (SEPA), added on top so your recipient gets the full amount, with a minimum of $5 or €5. Receiving money, sending to another Zeeo user and converting between dollars and euros carry no Zeeo fee; our payment partners apply an exchange rate spread when converting. Every fee and the exact rate are shown to you before you confirm. Your own bank may apply separate charges.

Virtual cards for Apple Pay and Google Pay are in development and not available yet. You can reserve your spot in the app and we'll let you know when they're ready. Reserving is free and doesn't guarantee approval.

You can delete your account from the app settings at any time. Withdraw your balance to your bank account first — once your Zeeo account is closed we cannot access your wallet to help you recover funds. We retain certain records after closure where the law requires it; see our Privacy Policy.

For fastest contact reach out through the In-App support chat. We also offer Email support via support@getzeeo.com. We usually respond within one business day. During early access you're onboarded personally, so you'll also have a direct line to our team.