Your Money Your Planet
The sustainable alternative to banking with free money app, personal account, debit Mastercard, GreenScore and more.
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Where you put your money matters…
We're the last generation who can save the planet from climate disaster. The way most banks use your money is contributing to climate change. Zero is different.
This is Zero.
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Your sustainable life
Through our GreenScore®, we will help you understand which elements of your lifestyle may be contributing to climate change and offer you easy affordable ways to reduce your impact.
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Zero Debit Mastercard® and App
Top-up your account easily in our app using open banking
Pay anywhere, any currency, zero fees, zero commission
Instant phone notification as soon as you pay
High security and fraud protection built-in
Free cash withdrawals. Limits apply.
Carbon Projects
Offset your carbon footprint by contributing to Zero Carbon Projects. Any contributions made will support the initiatives we have carefully curated and will also improve your GreenScore®.
Introducing Apple Pay
Apple Pay is an easy, secure, and private way to pay. Now available on your Apple devices.
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Join the movement
Zero is a community whose combined effort will make a big impact on climate change. And you won't only be helping to save the planet, we're setting aside 20% of the company for you, our community, for free, so that you'll share in the value of the business we create.
Sign upSea, Land or Sky? The choice is yours
- Sustainably produced from 95% recycled plastic
- Accessible card with rounded notch
- Contactless payment worldwide
Our Team
Zero was founded by an experienced team from the world of fintech, banking & sustainability supported by a talented team of people who share our passion.

Richard Theo
CEO

Lisa Stanley
Chief Sustainability Officer

Kate Hodge
Chief Product Officer

Paul Ellis
Chair of the Board

Wendy Davies
CRO & MLRO

Martin Hall
UX Designer

Lucy Burgess
People Business Partner

Nathaniel Dragusin
App Developer

Priyanka Agheda
Compliance Associate

Jay Shankar
Compliance Associate

Ben Dixon
Non-Executive Director

Ben Archer
Software Engineer

Iestyn Tudor
Customer Service Advisor

Rebecca Cropley
Customer Service Advisor