Lunch Money â—†
Lunch Money is a personal finance tracker that auto-categorizes transactions and lets you set recurring budgets with rollover rules.
Free·from $10/mo
About Zolve
What is Zolve?
Zolve is a global banking platform that lets international professionals open a US bank account and get a Visa credit card without a US address or Social Security number. It solves the problem of building US credit history and accessing US banking services from abroad. The app handles account management, real-time currency conversion, and money transfers to 50+ countries.
Who is it for?
Zolve is built for expats moving to the US, remote workers paid in USD, and international freelancers needing a US bank account for client payments. It is not designed for US residents with existing credit or for those who prefer traditional brick-and-mortar banking.
Real use cases
A student arriving in the US can open a Zolve account with just a passport and start building credit from day one. A freelancer in Europe can receive USD payments into a US account and convert to euros at competitive rates. An expat can transfer money home with lower fees than most banks.
Key features
- US bank account — FDIC-insured checking with routing and account numbers, no minimum balance
- Visa credit card — Unsecured card that builds US credit history, up to 1% cashback
- Instant virtual card — Use immediately after approval for online purchases
- Multi-currency support — Hold and convert USD, EUR, GBP, and more
- Global transfers — Send money to 50+ countries with low fees and real-time tracking
- Mobile app — Freeze/unfreeze cards, manage accounts, and track spending from your phone
- Insurance add-ons — Affordable health, renters, pet, and auto insurance plans
Zolve Pricing
Zolve pricing: $0/mo. Billing model: Free.
Free Plan
Zolve's US checking account is free to open with no monthly fees and no minimum balance. The account includes free ATM withdrawals at 60,000+ ATMs and FDIC insurance up to $250,000.
Credit Card
The Zolve Visa credit card requires no security deposit and no US credit history. It offers up to 1% cashback on purchases and up to 10% off at 7,000+ participating merchants.
There is no free trial; the basic account and card are free to use from the start.
Frequently asked questions
Is Zolve free to use?
Yes, the Zolve US checking account is free to open with no monthly fees and no minimum balance. The Visa credit card has no annual fee for most users.
How much does Zolve cost?
Zolve's bank account costs $0 per month. Credit card fees vary by plan, but the basic card has no security deposit and offers 1% cashback. Money transfers have low fees, typically lower than most banks.
Who is Zolve best for?
Zolve is best for expats moving to the US, remote workers paid in USD, and international freelancers who need a US bank account and credit card without a US address or SSN.
Does Zolve build US credit history?
Yes, the Zolve Visa credit card reports payments to US credit bureaus, helping you build a US credit score from your first use.
What are the top alternatives to Zolve?
Alternatives include Wise (for multi-currency accounts and transfers), Revolut (for global spending), and Chime (for US residents). However, Zolve is unique in offering a US credit card without a US address.
Can I use Zolve without a Social Security number?
Yes, you can open a Zolve account using just your passport or ITIN. No US address or Social Security number is required.
