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Tailor-made
for You

We have re-engineered banking to make money work for you and your global ambitions

Get US Credit card with high limit
High limit credit card

Whether it’s grocery shopping or that dream laptop or an emergency expense, we’ve got your back with a high limit credit card.

US bank account, No SSN required
No SSN required

We know you are new to America, your visa, passport and basic personal information is enough to get you started with your Zolve Account.

Send Money Abroad
Transfer money internationally

Cheaper, faster and safer way to send and receive money from anywhere in the world

Open US bank account no upfront fees
No upfront fees

Moving across countries can be financially overwhelming. A Zolve account comes with no application fee, no annual credit card fee and no monthly bank account fees.

Apply Bank account online in 5 min
5-min online application

Sign up before you leave home, so that when you land in the U.S. you can focus on your dreams, worry-free.

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Giving your dream
the credit it’s due.

Access to money should be the least of your worries when you have aimed to win the world. With a high limit U.S. credit card with no annual fee, we give you the power to do more from Day 1.

Get Credit card with No Annual Fees
No Annual fee
International credit card with no foreign transaction fees
International card with no foreign transaction fees
No Credit history required
No Credit History nor SSN required
Apply credit card and get reward points
Amazing partner store reward programs
Get US credit card with high credit limit
High credit limit upto $10,000
Apply for US credit card
Get a Zolve Credit Card

An account,
designed for You

Apply for a U.S. Bank Account at home and operate when you arrive.
It’s safer than carrying cash.
Open US bank account with no minimum balance required
No min balance required
Apply for US bank account with no upfront fees
No upfront account fees
Open a US bank account online with no SSN required
Transfer money internationally
Open a US bank account online with no SSN required
No SSN required
Zolve online US bank account

Rewards so awesome,
you'll be spoiled for choice

Up to0%Cashback
0k+Merchants
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Don’t take our word for it.

Join the 300,000+ users who love us already!
user

Loved the onboarding experience with Zolve! Super quick sign-up process and the app is very seamless to use. The cherry on top - I got a high credit limit instantly!

Sarthak Shah

Infosys

user

With Zolve, I was able to take care of all my big ticket purchases within the first week of landing in the U.S. Thanks to the high credit limit and easy payments!

Renu Makkar

Boeing

user

With so much to plan for my U.S. move, I would definitely recommend getting a Zolve account before one flies to the U.S. Cannot wait to start transacting the moment I land!

Aashish Rochwani

Wipro

Money at your fingertips

A powerful new-age online app to manage your money on-the-go.
No need to go to a physical branch.
Zolve US bank account app
  • Payment alerts: You don’t have to track your money, because we are
  • Payment reminders and auto pay: Start building (credit) history by paying bills on time
  • Seamless payments: Connect to Apple pay, Google pay, Venmo to pay anyone, anywhere
  • Direct Deposits: Accept your salary/stipend directly into your account

Safe and Secure.

Safe US bank account
Your money is safe with us.

Your money is protected by FDIC insurance up to $250,000 through our partner bank.

Lost your card?

Simply freeze/unfreeze the card with just a click on the app. It’s really that easy!

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Investors

We have raised $55 million to fuel dreams - Ours and Yours

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Harness the power of your financial freedom.
We sweat the finance so you can sweat the important stuff, and make your dream a reality.

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FAQs

Zolve Azpire is a new-age credit card that can be used to build your credit history. You can secure your credit card with funds ,and a limit is created up to the amount of funds secured. Any transactions made using the card will help to build your credit history. The Zolve Azpire card offers rewards and also comes with benefits of a bank account.

Yes, Zolve Azpire Card is designed to help you build a U.S. credit score, and without any fees! Azpire offers features that help you stay on top of key factors that impact your credit score. Consistent use of your Azpire Card can help you build on-time payment history, increase the length of your credit history over time, and more.

We report to the major credit bureau – Equifax® to help you build credit over time, and will be reporting to other major credit bureaus - Transunion and Experian shortly.

Azpire doesn’t have a pre-set credit limit. Instead, the money you move into your Azpire deposit account becomes your limit (up to a maximum of $10,000). For example, if you deposit $1,000, that money is placed in a secured deposit account and we give you a credit limit of $1,000. You can spend the same amount with your Azpire card.

The Zolve Azpire Card is a credit card. This means that the transactions on it count towards building your credit history.

To increase the credit limit, you can deposit money in the Azpire Deposit Account (using the routing number and account number given in your app/profile section). This money deposited will then be placed in a secured deposit account and the credit limit of your Azpire Card will be increased by the same amount up to a maximum limit of $10,000 in a billing cycle. Any amount in excess of $10,000 will stay in your Azpire Deposit Account which has banking functionalities (send money, receive money).

Any amount above the limit of $10,000 will remain in the Azpire Deposit Account.

With traditional credit cards, using a high percentage of your available credit limit could negatively impact your credit score. You don’t have to worry about it with the Zolve Azpire card because with the Azpire Card, Zolve does not report credit utilisation to the credit bureau. So rest assured to use Zolve Azpire for your everyday purchases and let them count towards credit building!

Do note, on-time payments can have a positive impact on your credit score. Late payments may negatively impact your credit score.

No, we don’t charge any APR or late fees on the Azpire card.

You need to provide your personal details, including but not limited to, an SSN, valid identity proof, and a U.S. residential address in your name in order to receive your Zolve Azpire Card.

You need to provide your personal details, a valid passport, and a valid long-term U.S. visa in order to receive your physical Zolve Azpire Card. You will also need to provide a valid U.S. residential address (and proof of address), in your name, within 90 days of account creation.

Absolutely! Our products are made so that you can enjoy great benefits even when you don’t have a credit history in the U.S.

You don’t need to be in the U.S. when applying for your Zolve Azpire account. However, you will also need to provide a valid U.S. residential address (and proof of address), in your name, within 90 days of account creation in order to receive your physical Zolve Azpire Card.

Yes, absolutely! Please refer to question 11 for further details.

To make the process seamless and just right for you, once you activate your card in the US, you can provide a valid U.S. residential address, in your name, to receive your physical Zolve Azpire Card.

No, you don’t need an SSN to apply for a Zolve Azpire Card. However, once you get an SSN, you can update and verify it within your Zolve profile.

We will report your credit history based on your name, address and date of birth. Once you receive your SSN, and you update and verify it within your Zolve profile, your past credit history will be linked to it. Future employers, landlords, and financial institutions will be able to search your entire credit history with your linked SSN.

Yes! you can withdraw cash using your Azpire Card (up to the available Credit Limit). Get zero fee withdrawals* at 37,000+ Moneypass ATMs found in the stores you love, like, Walgreens, 7-eleven, CVS, and more!

  • ATM withdrawal fees may apply at certain out-of-network ATMs.

Azpire is a secured credit card with a limit equal to the amount deposited. Kindly deposit the money into your Zolve Deposit Account, and these funds will be secured and your limit will be automatically updated as per the amount deposited (up to a maximum limit of $10,000 per billing cycle).

Yes, absolutely! There are two ways you can do this:

  1. Link the external account to Zolve and “Receive” funds on the Zolve App itself If your external account is already linked on zolve: Go to Bank —> Click on “Add Money” —--> From U.S account —--> Select the linked external account that you want to receive funds from —> Proceed
  2. Add Zolve as a beneficiary in the external account and initiate an ACH transfer. For Zolve account details on the app: Go to Bank->My Account->Details

We are pleased to inform you that your virtual Azpire card is activated automatically and verified by clicking a Selfie. You can then use your virtual card for online purchases and wallets (like Apple Pay or Google Pay) for NFC-enabled payments at offline stores. Once you initiate the physical Azpire card delivery (refer to question 15), it typically takes about 4-5 business days for the card to be delivered to your U.S address.

It typically takes 4 - 5 business days for the card to be delivered to your entered address. In the meantime, you can use your virtual card for online purchases and wallets for NFC-enabled payments at offline stores.

As of now, pulling the money (using ACH) from an Azpire Deposit account to an external account is not allowed. You can move money from your Azpire account to an external account by initiating a transfer from the Zolve app and putting the details of your external U.S account as the recipient

Autopay allows you to clear dues from your specified (designated) account without hassle. If you disable it, you will have to manually pay your Total Bill Amount, through an external account or Zolve checking account.

Azpire card is a secured credit card. If you have enabled autopay, your dues are paid out automatically either with the funds secured for that purpose (in which case your Credit Limit decreases), or by paying from an external account.

Your Azpire Card statement will be generated on the 15th of every month. The due date for the payment will be the 10th of the next month (after statement generation). You can pay off your Azpire Card using the secured funds (in which case your Credit Limit decreases) or from an external bank account.

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Zolve Innovations Inc. is a financial technology company, not a bank or lender. All banking products are provided by our partnering banks.

Zolve Credit Cards are issued by Community Federal Savings Bank, Members FDIC pursuant to its license from Mastercard, and are subject to the terms of a Cardholder Agreement. Offers subject to credit approval.

Zolve Debit Cards are issued by Community Federal Savings Bank, Member FDIC pursuant to its license with Mastercard, and are subject to the terms of a Deposit Account and Debit Card Agreement. Deposits are subject to FDIC insurance up to the legally permissible amount.

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