Paid up to 2 days early
Direct deposit lands the moment your employer sends it, not three business days later. No form to chase, no employer to convince.
Direct deposit
Now open to everyone
Banking that
Banking that
grows with you
No monthly fee. No minimum balance. ATM fees refunded anywhere in the world. Zah is the account that pays you back for simply keeping your money here.
4 minutes · no credit check · FDIC insured to $250,000
The everyday account
One balance. Nothing quietly taken out of it.
Most banks make money in the gaps — the monthly charge, the overdraft fee, the out-of-network ATM. Zah has no gaps. What you earn is what you keep.
Round-ups that plant something
Every card purchase rounds to the nearest dollar and the change goes into a Grow pot earning 4.35% APY. Withdraw anytime, no lock-in.
Grow pot · 4.35% APY
ATM fees refunded, worldwide
Use any machine on earth. We refund the operator's fee at the end of the month, so you're never punished for needing cash.
Any ATM · any country
Freeze it before you panic
Lost your card at a bar? Freeze it in one tap, unfreeze it when it turns up. If it doesn't, a new Quantum card is $5 and ships in days.
One-tap freeze
The Quantum card
Metal, but not precious about it.
An 18-gram brushed steel card with an iridescent foil panel and the Zah mark struck into it. Contactless, chip, and magstripe — accepted anywhere Visa is.
Card fee$0
Replacement$5.00
Foreign transaction fee0%
NetworkVisa · Quantum tier
MaterialBrushed steel
Zah Coin · ZAH
Your balance earns while it sits.
Zah Coin is the settlement asset of ZahChain, a Layer 2 built for account-to-account transfers. Hold it, stake it, or ignore it entirely — the account works the same either way.
Price
$3.0989
This week
+18.4%
Staking yield
6.2%
Settlement
<2s
Zah Coin is a demo asset in this prototype. Nothing here is investment advice, and no real currency is involved.
Pricing
The whole fee schedule, on one screen.
No tabs, no asterisks, no "see schedule of fees" link. This is all of it.
WhatCost
Monthly account feeEveryday checking, no minimum balance
$0
CardQuantum steel card, shipped free
Free
ATM feesRefunded at the end of each month, worldwide
Refunded
Foreign transactionsSpending outside the US
0%
OverdraftWe simply decline the charge instead
Never charged
Instant transfersTo any Zah account, any amount
Free
Card replacementLost, stolen, or fed to a dog
$5.00
Cash deposit60,000+ partner stores
Free
The app
Eleven screens, no dead ends.
Tap through the actual product — send money, freeze the card, buy Zah Coin, read the fee list. Nothing is a screenshot.
Home
Send
Card
Try it before you trust it.
The interactive demo runs entirely in your browser. Real taps, real state changes, your balance is fake and so is the money — but the flows are the ones we ship.
Four minutes. Then it's yours.
No credit check, no minimum balance, no monthly fee. Deposits held at partner banks and insured up to $250,000.