The Mobile bank
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We do not sell, trade, rent, disclose or make available personally identifiable information about you to any third party.

The best financial products in one place

The ZOE Bank account is all you need across Europe

Get personal or business European IBAN and multi currency account without borders. The freedom to move money between countries in real-time for free.

Access to your money wherever you are with all the everyday banking tools you need, do everything you can do with a traditional bank, except easier, and from anywhere.

Spend abroad with no fees. Save your money for adventure

With no additional fees on transactions abroad and nothing added on top of the standard Mastercard exchange rate, our card is a great way to spend while away.

ZOE was designed to a care-free banking experience and we are all about letting people choose their provider.

GetFlexible overdraft

With money always available,you can say yes to life more often. Whether you´remaking purchases, checking into a hotel, or simply need a little extra cash

With a ZOE Bank flexible overdraft, anything is possible. Do not hold back!Life is too short for regret.

Get quick online loan

If you apply online and accept your personal loan quote, the money will be transferred to yourZOE Bank account instantly, whether you are at home or abroad.

The ZOE Bank instalment loan fulfils your dreams in just a few seconds!

All-In-One Banking Solution

Send money to anyone

If your friends use ZOE Bank, it takes just a couple of taps. If not,send a bank transfer that arrives in their account instantly too.

No limitation, no stress, no long and hard forms.

Real time spending alerts

Manage your spending in our app and get a handy real time notification each time after all account activity including card payments, ATM withdrawals, direct debits and transfers.

No matter where in the world you are.


Buy & Exchange cryptocurrency

You can buy, hold and exchange Bitcoin, Ether and Litecoin with fiat currencies with few taps of your app.

In just recent 12month the world changed to much, that old out-dated systems do not matter anymore. Future belongs to crypto and ZOE Bank is in forefront of revolution.

Instant account management and security directly from app

Block or unblock your card,set permissions and limits, and make other security changes directly from the app. No need to login to website and pass complicated and time consuming verifications.

Personal customer support

Every customer gets access to 24/7 customer support through the app — just send us a message and we’ll get back to you.

We know how complicated and stressful life can become, that’s why our customer support is always there to solve all kinds of drama

Ready to join?

Check out our offer from private customer to large companies. Find what fits you, or contact us if you need something special!

We don’t have branches like old school banks- no need to wait in line for your turn! CONTACT US