BZ
Bank Zero
Verified Business
BZ
AI Review Summary
Based on recent customer reviews, Bank Zero is drawing significant frustration from customers who describe a digital onboarding and support experience that falls short of expectations. A recurring theme is accounts being locked or placed on hold without clear explanation, with customers reporting difficulty accessing their own funds. Many mention app limitations during document uploads, unresponsive WhatsApp support, and a lack of escalation channels. Card delivery delays and disputed fees also surface. A minority of voices praise the banking experience as refreshing and world class, but negative sentiment dominates the recent feedback landscape.
Performance(last 12 months):
TrustIndex
2.6
Ranking
#9
in Banking
NPS Score
-72
Recommended: Unlikely
Review Distribution
1.3|15 Reviews
Jul '25 - Jun '26
Recent reviews (15)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your ExperienceA
Anonymous
1 reviews | Active since Jan 2020
19 May 2026, 10:45
Bank zero does not honour consumer rights
My account has been on hold for the last 5 months because Bank zero thinks it's a **** account, but I use this account for trading and bank zero won't help at all. The bank told me I need a formal letter from the police station to get access my account . I called the police station and was told the case number does not exist on their system. I can't get the proof of sale because Bank Zero won't tell me which transaction and the police say I haven't got a case at all. *** Bank zero what is going on
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Anonymous
1 reviews | Active since Jan 2020
19 May 2026, 10:45
Bank zero does not honour consumer rights
My account has been on hold for the last 5 months because Bank zero thinks it's a **** account, but I use this account for trading and bank zero won't help at all. The bank told me I need a formal letter from the police station to get access my account . I called the police station and was told the case number does not exist on their system. I can't get the proof of sale because Bank Zero won't tell me which transaction and the police say I haven't got a case at all. *** Bank zero what is going on
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Anonymous
1 reviews | Active since Jan 2020
6 May 2026, 07:56
“Three Failed Deposits, Extra Banking Fees, and Zero Accountability – My Experience With This Bank”
My experience with this bank has been extremely disappointing and frustrating from both a systems and customer service perspective. I opened an account through their app and, on three separate occasions, attempted to make deposits after the system clearly reflected that my ID and photograph verification had been completed. Based on the app instructions, payment was required for the issuing and dispatch of the bank card to a collection point. To do this, I had to use a secondary bank account with another major institution and process 30-minute clearance payments, each carrying additional banking fees. Despite following the instructions exactly as presented in their own system, the deposits were rejected and returned on three separate occasions over different days due to what was later explained as their system not having fully verified the account. What makes this unacceptable is that their own app reflected sufficient verification to proceed, creating a misleading impression that the account was ready for payment processing. This resulted in wasted time, unnecessary costs, and repeated inconvenience entirely due to failures within their internal processes. After raising my concerns and explaining the costs I had incurred, I requested that the card at least be issued free of charge as a gesture of goodwill if they genuinely wished to retain me as a client. The response I received was effectively that they could not assist unless I still paid for the card myself. While they apologised for the inconvenience, there was no meaningful attempt to remedy the situation or acknowledge the financial prejudice caused. The overall handling of the matter demonstrated poor system integration, poor communication, and a lack of customer care. As a result, I have elected to close the account entirely. Based on my experience, I cannot recommend this institution to others seeking reliable service and efficient onboarding processes.
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Anonymous
1 reviews | Active since Jan 2020
6 May 2026, 07:56
“Three Failed Deposits, Extra Banking Fees, and Zero Accountability – My Experience With This Bank”
My experience with this bank has been extremely disappointing and frustrating from both a systems and customer service perspective. I opened an account through their app and, on three separate occasions, attempted to make deposits after the system clearly reflected that my ID and photograph verification had been completed. Based on the app instructions, payment was required for the issuing and dispatch of the bank card to a collection point. To do this, I had to use a secondary bank account with another major institution and process 30-minute clearance payments, each carrying additional banking fees. Despite following the instructions exactly as presented in their own system, the deposits were rejected and returned on three separate occasions over different days due to what was later explained as their system not having fully verified the account. What makes this unacceptable is that their own app reflected sufficient verification to proceed, creating a misleading impression that the account was ready for payment processing. This resulted in wasted time, unnecessary costs, and repeated inconvenience entirely due to failures within their internal processes. After raising my concerns and explaining the costs I had incurred, I requested that the card at least be issued free of charge as a gesture of goodwill if they genuinely wished to retain me as a client. The response I received was effectively that they could not assist unless I still paid for the card myself. While they apologised for the inconvenience, there was no meaningful attempt to remedy the situation or acknowledge the financial prejudice caused. The overall handling of the matter demonstrated poor system integration, poor communication, and a lack of customer care. As a result, I have elected to close the account entirely. Based on my experience, I cannot recommend this institution to others seeking reliable service and efficient onboarding processes.
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Anonymous
1 reviews | Active since Jan 2020
14 Apr 2026, 12:51
Bankzero please open my account
I have wrote a review but they didn't even call me to tell me what's going on I think I have to accept that they have taken my money .I was using account for trading in binance and I didn't know maybe the person who was buying usdt was doing **** you must blocked the person account not mine because no one reported my account for **** do your job not just closing account without valid reasons.please open my account or I will take legal steps
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Anonymous
1 reviews | Active since Jan 2020
14 Apr 2026, 12:51
Bankzero please open my account
I have wrote a review but they didn't even call me to tell me what's going on I think I have to accept that they have taken my money .I was using account for trading in binance and I didn't know maybe the person who was buying usdt was doing **** you must blocked the person account not mine because no one reported my account for **** do your job not just closing account without valid reasons.please open my account or I will take legal steps
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Anonymous
1 reviews | Active since Jan 2020
10 Apr 2026, 16:33
Bankzero account blocked
They blocked my account with my funds opening this bank is a waste of time I think it's a ****.i can advise you all don't open bankzero have tried to call them there numbers are not working please open my account I want to use my funds in that account
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Anonymous
1 reviews | Active since Jan 2020
10 Apr 2026, 16:33
Bankzero account blocked
They blocked my account with my funds opening this bank is a waste of time I think it's a ****.i can advise you all don't open bankzero have tried to call them there numbers are not working please open my account I want to use my funds in that account
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Anonymous
1 reviews | Active since Jan 2020
3 Apr 2026, 04:22
Pathetic treatment from Bank Zero customer service.
I was fed up within a week. The level of disrespect from customer service was alarming. Bank Zero agents don't care. They are waiting for month end to get paid and to go home immediately, leaving clients on hold for answers. I opened an account online. I received a message that l had to fund my new account for my new card to be delivered. I transferred a few rands. The money didn't reflect on my new BankZero account. I then made enquiries as per WhatsApp chats. I had to wait. After a while l was instructed to forward a POP. I comp****. The response was that the account had not been FICA Verified and won't accept any deposits. That was it. As if l was the one to do verify the account. And that was in contrary to the fact that l was instructed to fund my account. . From then, it was a silence response from customer service. I was panicking. I don't know whether the money transferred had been ******. Bank Zero didn't care. It was the worst start of the relationship. I had to ask them to close the account. I was thereafter told that silence response was as a result of shift change. What a stupid reason? Thanks, the money bounced back to the original account. These are the questions. Can l get answers, please. Why were l instructed to fund the account if the process of opening the account had not been completed? Why were l kept on hold during shift change? Why were l kept on hold during shift change? Why were l treated like trash?
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Anonymous
1 reviews | Active since Jan 2020
3 Apr 2026, 04:22
Pathetic treatment from Bank Zero customer service.
I was fed up within a week. The level of disrespect from customer service was alarming. Bank Zero agents don't care. They are waiting for month end to get paid and to go home immediately, leaving clients on hold for answers. I opened an account online. I received a message that l had to fund my new account for my new card to be delivered. I transferred a few rands. The money didn't reflect on my new BankZero account. I then made enquiries as per WhatsApp chats. I had to wait. After a while l was instructed to forward a POP. I comp****. The response was that the account had not been FICA Verified and won't accept any deposits. That was it. As if l was the one to do verify the account. And that was in contrary to the fact that l was instructed to fund my account. . From then, it was a silence response from customer service. I was panicking. I don't know whether the money transferred had been ******. Bank Zero didn't care. It was the worst start of the relationship. I had to ask them to close the account. I was thereafter told that silence response was as a result of shift change. What a stupid reason? Thanks, the money bounced back to the original account. These are the questions. Can l get answers, please. Why were l instructed to fund the account if the process of opening the account had not been completed? Why were l kept on hold during shift change? Why were l kept on hold during shift change? Why were l treated like trash?
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Anonymous
1 reviews | Active since Jan 2020
30 Dec 2025, 07:33
Bank Zero = Zero Assistance (Onboarding Held Hostage by a Broken App)
I’m honestly baffled at how a bank that positions itself as “digital-first” can be brought to a complete standstill by its own app. I am in the process of opening a business account with Bank Zero, and what should have been a straightforward compliance step has turned into days of unnecessary frustration. Here’s the issue in simple terms: • I uploaded company director documentation during onboarding • I later identified and uploaded the correct, legally authoritative document (COR39) • Bank Zero’s app does not overwrite previously uploaded documents • The app also only renders page 1 of a multi-page statutory PDF • Support insists everything must be done through the app • Support then asks for screenshots and videos, as if I’m technically challenged I’m not. The document opens perfectly outside the app. The problem is not the PDF. The problem is your app. Despite sending the correct documents manually and explaining the issue multiple times, I’m stuck in a loop where: The app can’t overwrite Support can’t fix it There is no call centre There is no senior escalation And accountability appears to be… zero The irony is impressive: Bank Zero offers zero assistance when something goes wrong. At this point, the onboarding process is blocked solely due to a technical limitation on Bank Zero’s side, yet the burden to “prove” this keeps getting pushed back to the customer. I have now formally escalated this as a complaint, but it should never have reached this point. If Bank Zero wants to be taken seriously as a business banking option, it needs: An app that can handle basic document replacement Support that understands statutory documents And an escalation path when the tech fails Right now, the experience is the opposite of seamless — it’s exhausting. I hope this gets the attention of someone senior who can resolve it pragmatically, instead of asking customers to record screen-capture tutorials for a broken system.
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Anonymous
1 reviews | Active since Jan 2020
30 Dec 2025, 07:33
Bank Zero = Zero Assistance (Onboarding Held Hostage by a Broken App)
I’m honestly baffled at how a bank that positions itself as “digital-first” can be brought to a complete standstill by its own app. I am in the process of opening a business account with Bank Zero, and what should have been a straightforward compliance step has turned into days of unnecessary frustration. Here’s the issue in simple terms: • I uploaded company director documentation during onboarding • I later identified and uploaded the correct, legally authoritative document (COR39) • Bank Zero’s app does not overwrite previously uploaded documents • The app also only renders page 1 of a multi-page statutory PDF • Support insists everything must be done through the app • Support then asks for screenshots and videos, as if I’m technically challenged I’m not. The document opens perfectly outside the app. The problem is not the PDF. The problem is your app. Despite sending the correct documents manually and explaining the issue multiple times, I’m stuck in a loop where: The app can’t overwrite Support can’t fix it There is no call centre There is no senior escalation And accountability appears to be… zero The irony is impressive: Bank Zero offers zero assistance when something goes wrong. At this point, the onboarding process is blocked solely due to a technical limitation on Bank Zero’s side, yet the burden to “prove” this keeps getting pushed back to the customer. I have now formally escalated this as a complaint, but it should never have reached this point. If Bank Zero wants to be taken seriously as a business banking option, it needs: An app that can handle basic document replacement Support that understands statutory documents And an escalation path when the tech fails Right now, the experience is the opposite of seamless — it’s exhausting. I hope this gets the attention of someone senior who can resolve it pragmatically, instead of asking customers to record screen-capture tutorials for a broken system.
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