Based on recent customer reviews, Bank Zero faces significant criticism around account lockouts and frozen funds, with multiple customers reporting being unable to access their money for extended periods without clear explanations. The onboarding process for business accounts is described as frustrating due to app limitations, particularly around document uploads. Customer support is widely perceived as unresponsive and lacking proper escalation paths. Several reviewers express dissatisfaction with the absence of a call centre and the inability to resolve issues promptly. One positive review highlights a refreshing banking experience and top notch service.
TrustIndex
4.5
Score
NPS Score
-100
Recommended: Unlikely
Apr '25 - Mar '26
Recent reviews (13)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your ExperiencePopular mentions
1 reviews | Active since Jan 2020
Disappointed
They blocked my account for no reason. With no reason my number is 0823056563
1 reviews | Active since Jan 2020
Disappointed
They blocked my account for no reason. With no reason my number is 0823056563
1 reviews | Active since Jan 2020
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.
1 reviews | Active since Jan 2020
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.
1 reviews | Active since Jan 2020
My bank account is blocked
My bank account was blocked in April 2025 after I received 3 payments from a Client. I sent the proofs of payments to the bank’s email address but my account is still blocked. I need assistance regarding this matter.
1 reviews | Active since Jan 2020
My bank account is blocked
My bank account was blocked in April 2025 after I received 3 payments from a Client. I sent the proofs of payments to the bank’s email address but my account is still blocked. I need assistance regarding this matter.
1 reviews | Active since Jan 2020
****mer bank
I sent money to this bank to save it for my wedding day Now I can't access my account they are telling me stupid stories Bank zero reverse my money to my absa account
1 reviews | Active since Jan 2020
****mer bank
I sent money to this bank to save it for my wedding day Now I can't access my account they are telling me stupid stories Bank zero reverse my money to my absa account
1 reviews | Active since Jan 2020
My account on hold for no valid reason
Worst bank ever. My bank zero account was put on HOLD since the start of November. For no valid reason whatsoever. I have money in my account that I need to use urgently. I am now being ignored by the customer service team. All I am asking now is for you guys to release my money so I may part ways with your bank. Clearly I made a wrong decision by joining your bank.
1 reviews | Active since Jan 2020
My account on hold for no valid reason
Worst bank ever. My bank zero account was put on HOLD since the start of November. For no valid reason whatsoever. I have money in my account that I need to use urgently. I am now being ignored by the customer service team. All I am asking now is for you guys to release my money so I may part ways with your bank. Clearly I made a wrong decision by joining your bank.
1 reviews | Active since Jan 2020
Extremely Disappointed with Bank Zero – Unresponsive and Unfair
I am beyond frustrated with Bank Zero. They have locked my account and frozen my funds without any clear explanation or proper support. When they requested proof of income, I submitted all the required documents and clearly explained that I am a trader on Binance and not formally employed. Despite my transparency, Bank Zero has been completely unhelpful and unresponsive. It's been days and I have received no feedback, no updates – nothing. Meanwhile, my funds are still locked, and I am unable to access my own money. If Bank Zero does not support traders or non-traditional income earners, they should state that clearly upfront instead of wasting people's time and holding their funds hostage. At this point, I just want my account closed and my money returned. This is not how a modern, customer-focused bank should operate. Very disappointed and would not recommend Bank Zero to anyone who values proper service and access to their own money.
1 reviews | Active since Jan 2020
Extremely Disappointed with Bank Zero – Unresponsive and Unfair
I am beyond frustrated with Bank Zero. They have locked my account and frozen my funds without any clear explanation or proper support. When they requested proof of income, I submitted all the required documents and clearly explained that I am a trader on Binance and not formally employed. Despite my transparency, Bank Zero has been completely unhelpful and unresponsive. It's been days and I have received no feedback, no updates – nothing. Meanwhile, my funds are still locked, and I am unable to access my own money. If Bank Zero does not support traders or non-traditional income earners, they should state that clearly upfront instead of wasting people's time and holding their funds hostage. At this point, I just want my account closed and my money returned. This is not how a modern, customer-focused bank should operate. Very disappointed and would not recommend Bank Zero to anyone who values proper service and access to their own money.
1 reviews | Active since Jan 2020
Bank Zero STAY AWAY
Absolutely ridiculous. Its like talking to 1982 chat bot... They don't know what the want, they can't explain what they want. They don't understand structure and I swear I'm talking to a donkey and not a person. If you have ANY kind of structure with trusts and companies stay away!!! These people don't know what they are doing.
1 reviews | Active since Jan 2020
Bank Zero STAY AWAY
Absolutely ridiculous. Its like talking to 1982 chat bot... They don't know what the want, they can't explain what they want. They don't understand structure and I swear I'm talking to a donkey and not a person. If you have ANY kind of structure with trusts and companies stay away!!! These people don't know what they are doing.
1 reviews | Active since Jan 2020
The worst clueless bank😭
My Bank Zero account has been locked since [date]. I was told it’s because another bank reported it as suspicious. I have not been told which bank, nor what documents I need to provide. Every time I follow up, I’m told Bank Zero is still waiting for supporting documents from the reporting bank. In the meantime, I have no access to my account or funds. This is causing financial hardship, and I need Bank Zero to provide a clear timeline and resolve this, I swear I will further report them and close this account.
1 reviews | Active since Jan 2020
The worst clueless bank😭
My Bank Zero account has been locked since [date]. I was told it’s because another bank reported it as suspicious. I have not been told which bank, nor what documents I need to provide. Every time I follow up, I’m told Bank Zero is still waiting for supporting documents from the reporting bank. In the meantime, I have no access to my account or funds. This is causing financial hardship, and I need Bank Zero to provide a clear timeline and resolve this, I swear I will further report them and close this account.