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Top Questions

1. Simply visit www.zolve.com. 2. Register for a Zolve Account 3. Upload necessary documents and you're set. It’s that easy and takes less than 5 minutes!

Yes! We believe in security first. Your account is FDIC covered for a sum of $250,000.

For all referrals from 18th July 2022, The referral bonus would be $10.

You will be eligible for the referral bonus once the person whom you have referred completes their first credit card transaction of a minimum $1

Isn't that a super sweet deal?

You can refer a friend by visiting: zolve.com/refer-a-friend

Your referral rewards will be credited after the referred people make their first successful Credit Card transaction.

The amount will be added to your Reward section

You will receive a physical Zolve card within 5-7 working days once you land in the U.S. and update your correspondence address.

You can start using and spending with your Zolve Credit Card only after you land and activate your Zolve Account in the U.S.

However, you can add funds to your account from both your home country and the U.S. We recommend you do it from your home country so that you can start transacting the moment you land in the U.S.

There are no minimum balance requirements for Zolve accounts.

No, you can use it to load funds and checkout cashback offers and rewards. Once you land, you can start paying merchants, loading more funds, swiping the credit card, and earning cashback.

1. Click 'Bank' on the home screen

2. Go to 'My Cards' (on the top)

3. Select Credit Card

4. Click Pay Now

Choose to pay from the linked accounts or link an account

To link an account:

5. Select Link an account, then choose between Zolve Direct or Zolve Micro

Zolve Direct:

• Login to your Profile

• Click 'Bank' on the home screen

• Go to 'My Account' (on the top)

• Select Add Money

• Choose Zolve Direct

• Enter External Account Credentials

• Initiate Transaction (Payment is Instant)

Zolve Micro:

• Login to your Profile

• Click 'Bank' on the home screen

• Go to 'My Account' (on the top)

• Select Add Money

• Choose Zolve Micro

• Enter External Account Credentials

• Verify your details

• Initiate Transaction (Payment Settlement may take upto 48 hours)"

There are 0 transaction fees from Zolve for adding funds to your U.S. Account. Add away!

Yes, you can. You will definitely have the option to increase your credit limit once you’re in the U.S.

Yes, of course. There are credit cards and then there is the Zolve Credit Card. You get up to 5% cashback on transactions along with offers on 10k+ merchants across categories and awesome brands.

100%! You can sign up with Zolve even before the Visa arrives. Simply upload your passport and you're in. Nothing better than prepping well in advance. Kudos!

There are no transaction fees on using your Zolve Debit Card. Withdrawing cash from any of our 65,000 partner ATMs across the country will attract 0 fees! If you have to withdraw from any non-partner network ATMs, you will be charged $2.5 per withdrawal.

Yes, we do. We take into consideration your Indian credit score to appropriate a credit limit in the U.S. However, even without a credit history, depending on your documents, Zolve is known to provide a higher credit limit than most players in the market. Do check!

The billing cycle starts on the 15th of every month and ends on the 15th of the next month (i.e. 15th to 15th). 10th of the next month is the due date to pay your Credit Card dues.

Getting Started

Zolve is a cross border fintech that enables fair access to global financial products. We understand that the needs of a global citizen like you with financial footprints in more than one country are different from those of local residents. Our aim to simplify your financial world. Currently serving the India-U.S. corridor, we let you apply for a Zolve account and a U.S. credit card on Day 1. With a lightning fast set up process that you can initiate from India, minimal documentation and no application fees, Zolve helps you prepare for your financial life in the USA.

In wire transfer generally the originating and receiving bank both charge a certain fee.

Domestic Transfer: Ex: If you transfer money from Chase to Zolve, Chase will charge some amount and Zolve will charge $15 for receiving the wire transfer money It would take 2-3 business days to receive the money.

International Transfer (External Transfer) Ex: If you transfer money from your home country bank account to Zolve using wire method, the home country bank would charge some amount for the transfer and Zolve would charge $15 for receiving the wire transfer money It takes 4-5 business days to receive the money transfer - To avoid the $15 incoming wire transfer charges, you can use Zolve Remittance

Zolve offers:

Checking Account

Debit Card

Credit Card

Remittances

Student Loans

Boost Account

1. Simply visit www.zolve.com

2. Register for a Zolve U.S. account.

3. Upload necessary documents, and you're set

It's that easy and takes less than 5 minutes

To make the process seamless and just right for you, your Zolve Credit Card will be delivered to your U.S. address in accordance with your travel plans.

Zolve accepts incoming wire transfers. To add funds:

1. Please add Zolve as "payee" in your external bank account using the WIRE routing number - 026073008 2. Post adding "payee", initiate the fund transfer 3. Once the transfer is initiated, the funds will reflect in your account in 2-3 days for domestic transfers Note: Please check with your bank if they support wire transfers.

Zolve charges $15 for every wire transfer received.

Yes, you can.

You can sign up with Zolve even before the Visa arrives. Simply give some details, and you're in. We will take the Visa later. Nothing better than prepping well in advance. Kudos!

Yes, we believe nothing should come in the way of you achieving your dreams. We take other aspects into consideration, like your Future Earning Potential and educational loan details to give you the credit you deserve.

Short answer - no and no. As you are new to the country, we know you may not have an SSN or U.S. credit history. But that shouldn’t stop you from starting your life on an equal footing in the U.S. With Zolve, you can apply for a Zolve Account and U.S. Credit Card from India itself before you go with your passport and visa as identification documents. The process is entirely online, and approvals are fast. The debit and credit card will be delivered to your U.S. address after you arrive.

Eligibility

If you are a student or working professional about to move to the U.S., you are eligible to apply for a Zolve Credit Card. Don't have credit history in the USA or SSN? Don't worry! Zolve has got you covered.

Yes, we believe nothing should come in the way of you achieving your dreams. We consider other aspects, like your Future Earning Potential and educational loan details to give you the credit you deserve.

Zolve is a cross border fintech that enables fair access to global financial products. We understand that the needs of a global citizen like you are different from those of local residents. We aim to simplify your financial world. We let you apply for a Zolve account and a U.S. credit card on Day 1. With a lightning-fast set-up process that you can initiate from your home country, minimal documentation and no application fees, Zolve helps you prepare for your financial life in the USA. To make the process seamless and just right for you, your Zolve Credit Card will be delivered to your U.S. address in accordance with your travel plans.

No, not at all! You can sign up for the credit card and account from India itself. Even before you land in the U.S., you have your finances sorted. Zolve has got you covered from the very beginning!

About your Zolve account

Your Zolve account will be ready as soon as you sign up and provide the required documents. Your Credit Card, debit card and account will be created after we complete the processing. We will notify you once those accounts are created. Our goal is to make those accounts available by the time you land in U.S.

As soon as your account is created, you will be able to transfer money to your Zolve account.

1. You can send money internationally via a wire transfer. a. Give your Zolve account number and routing details to your local bank. b. Show Zolve account and routing details

2. You can also use your forex card money, and deposit the amount loaded on it into your Zolve account. a. Withdraw cash for free from a nearby ATM b. Deposit the cash into your Zolve account through cash deposit functionality at the ATM

3. You can also Log in to another bank's website that you want to transfer money from. Add your Zolve Account information using the same routing and account information that you would use for direct deposit.

Not at all! Most good things in life are free. We value your hard-earned money.There is absolutely no upfront fee or minimum balance requirements for Zolve accounts. Just share the required details, upload the documents and we will set up the account for you.

There are no minimum balance requirements for Zolve accounts.

About Your Zolve Credit Card

The credit card we provide is unsecured, you don't have to pay any deposit.

The best things in life are free. We value your hard-earned money and hence, don't charge an annual fee.

Cash withdrawals are not permitted on your Zolve Credit Card. However, you can use your debit card for this.

No, the selfie has to be uploaded while you are in the U.S. It is with respect to our compliance standards.

The credit card we provide is unsecured, which means that you do not have to pay any security deposit for it.

Right after you upload your documents! All you need to do is sign up on the website or application, enter the required details and know your credit limit instantly.

The best things in life are free. We value your hard-earned money and hence, don't charge an annual fee.

Paying your outstanding balance is very simple. You can either pay it with your Zolve account or add the card on another account that you may have.

Yes, Zolve is created to help you conduct financial transactions beyond borders, and you can definitely use your Zolve card outside of the U.S. Also, there is no foreign transaction fee on Zolve Credit Cards. You can use the card for international transactions just like a standard transaction via the mobile app or by entering the details on the merchant site.

The interest on your credit card is known as the Annual Percentage Rate ( APR) and it consists of two components, Fixed and Variable, The Current APR is 11.74% ( Fixed component) + WSJ Prime rate ( Variable component).

To make the process seamless and just right for you, your Zolve Credit Card will be delivered to your U.S. address in accordance with your travel plans.Zolve is a cross border fintech that enables fair access to global financial products. We understand that the needs of a global citizen like you are different from those of local residents.

We aim to simplify your financial world.

Zolve is a cross border fintech that enables fair access to global financial products. We understand that the needs of a global citizen like you are different from those of local residents. We let you apply for a Zolve Account and a U.S. credit card on Day 1. With a lightning-fast set-up process that you can initiate from your home country, minimal documentation and no application fees, Zolve helps you prepare for your financial life in the USA.

Yes, Zolve is created to help you conduct financial transactions beyond borders and you can definitely use your Zolve card outside of the U.S. Also, there is no foreign transaction fee on Zolve Credit Cards. You can use the card for international transactions just like a normal transaction via the mobile app or entering the details in the merchant site.

We do a soft pull, so it does not impact your credit history back home.

Zolve Azpire

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.

Card Activation

Activating your Zolve Credit Card is extremely simple and only requires a few clicks. Once you receive the physical card, just login to the mobile application to activate your card.

Building your credit

Yes! Zolve enables you to build your credit history from day one based on your name and date of birth which is then paired/matched with your SSN/ITIN whenever you receive it. Post this, your future employers, landlords and financial institutions will be able to review your entire credit history with your SSN/ITIN.

Boost Account

A Boost Account is a Zolve Account with the benefits of a Savings Account. A Boost account will have Boost rates of upto 2%. This will be paid out as a monthly Bonus.

The Bonus is not paid by our banking partners, is not an annual percentage yield and is solely an obligation of Zolve, not our banking partner. The Boost Account and Bonus earned is a promotion and can be discontinued, restricted or modified at any time.

All user’s with a direct salary deposit of a minimum of $1000 per month are eligible for a boost account.

Update your app to see the boost account details. All user’s with a direct deposit of a minimum $1000 per month are eligible for a boost account.

Each day the bonus will be calculated on the closing balance based on the boost rate applicable. The bonus calculated daily will be added up at the end of the month and will be paid monthly.

The bonus for each month is paid out on the 5th of the next month. Eg: For the month of Jan, the bonus will be computed and credited to the account on or before the 5th of Feb.

The bonus is calculated on the daily balance maintained. So for the 18th, the bonus earned is $0, 19th is also $0. From the 20th, the bonus is calculated on the balance in the account.

No, the bonus will not be paid out for 14 days. Payment happens at the end of the month when an account is in good standing for a full month only. You will forfeit any eligible bonus if your Account is closed before the bonus is credited.

A notification will be sent for the bonus earnings when credited. Also, the bonus earnings can be viewed in the transactions and in the bank statement as “Boost rate earnings for”. The same can be viewed in the spend analytics section as the bonus earnings for a certain time period selected.

No, the account maintenance fee is $0.

You are not required to maintain any minimum balance. The only eligibility criteria is to have a direct deposit of a minimum of $1000 per month.

The Bonus earned is deposited into your Zolve Debit Account and once deposited, can be used similar to other amounts therein. There is no withdrawal fee.

Rewards

Zolve rewards is an exclusive incentive program for Zolve users that offers cash back on purchases from select merchants. This program also covers discounts on select merchant gift cards. Sweet deals for sweeter gratification!

Cashback can be earned by making an eligible purchase at a select merchant. Select merchants will be shown in the rewards section of the Zolve app. Once the transaction is complete and the charge is processed by the merchant, an estimated cashback will be disbursed and the corresponding cash back earned will be applied to your Zolve account.

Most of the time, yes. Many of the offers available exclusively to Zolve users include cashback on online purchases. However, each offer is different and the offer details must be viewed thoroughly to see if a specific offer includes cash back on online purchases.

"We're glad you want to know. Let's simplify it for you. Dosh offers are found in the Zolve app and will earn you cashback when you pay with your Zolve card. This is applicable only if the online offers are completed through the Zolve app. To earn cashback, visit the offer, and tap on the "Shop" button. You'll be redirected to the merchant's app or website, where you can complete the purchase with your Zolve Card to be eligible. There's one other way to earn cashback. Simply transact with local businesses in your area. They will appear in your app when that particular business location is participating in a cashback offer. Simply visit the local merchant you found listed in the app at the specific street address, pay for your purchase only with your Zolve Card, and stand eligible to receive cash back after your purchase."

Good things come to those who wait, isn't it? A pending purchase will show you the estimated cashback earned in your account summary. However, the amount is not final until the merchant completes the entire charge. Once the transaction is completed, any earned cashback will be automatically applied to your account. These transactions typically complete within 1-5 working days but can take up to 90 working days depending on the merchant. Don't worry! We keep our promises.

Unlike jam, your cashback doesn't come with an expiry. This is actual money that gets credited to your account. Once the merchant completes the charge, you will receive it.

Sky is the limit - for your dreams and ours. But when it comes to cashback, they do have limits. Some offers have limits of cashback that can be availed. And because every offer is different, it is impending to check the terms for each offer beforehand. For more information on a specific offer, you can check the Offers section of the app by simply clicking on the offer.

We need a reliable, 100% secure and a gratifying friend! Meet Dosh. It empowers Zolve Rewards. Once you make a transaction with your Zolve card, Dosh checks to see if it is eligible for a cashback reward. If the transaction is eligible for a reward, Dosh will send cashback to your Zolve account after the merchant completes the charge. A true friend indeed!

We take your privacy and data security seriously. We take precautions at every step to ensure the security of your data. We do not share personal information like your name, address, etc. with any vendor. We only securely share transaction details to check for cashback availability. They do not sell any of your data. They only use the data to improve your user experience, provide cashback, and serve up offers curated specially for you. For more information on the Dosh privacy policy, view the terms of service here.

Uh oh! We didn't mean for that to happen. In case you are missing cashback, contact us, and we can help out. We really want to. However, just a quick reminder: if your transaction is still pending, you’ll need to wait until the merchant completes it before you can receive and view your cashback.

Safety and Security

Zolve is your financial haven. We value you, and the safety of your money is our responsibility. Your accounts are FDIC insured up to $250,000. Also, we are constantly monitoring your transactions, and your card will be blocked if any suspicious activity is found. If lost or stolen, you can also report your card. Any transaction post-reporting will not be charged to you.

Zolve Account & Credit Card has NO application fees. Sounds too good to be true? We understand that moving abroad is a big financial undertaking, so we don't charge any application fee, annual fee or ask for any minimum balances.

Apart from no SSN and no credit history requirement, Zolve is the only credit card that offers a high credit limit on day 1 of arrival with no upfront deposit required. How do we do this, you ask?

With Zolve, you do not need a U.S. credit history to apply as we consider your unique circumstances and alternative data, giving you extremely high chances of approval. Because we trust you, you do not have to pay any security deposit to get a credit card, unlike other starter credit cards.

Moreover, we report to all three credit bureaus and regularly give you valuable tips to build your credit score faster.

Yes, your data is completely safe with us and will only be shared with our partner bank with whom you have your accounts.

Disputes

A transaction can be disputed for various reasons like:

• Not incurred - Unknown transaction billed to the card account

• Double Debit - Charged twice for a single transaction

• Failed / Cancelled transaction - Transaction failed or was canceled

• Services not rendered / Goods not received from the merchant

To raise a dispute investigation, please get in touch with our chat support

If you have received an alert for a transaction you did not make, this may potentially be a fraudulent transaction. Please contact us immediately on our Helpline to block your card to avoid further misuse and lodge a complaint with us so that we can investigate the fraudulent transaction.

The process begins when a cardholder calls his or her credit card company and disputes a charge. The issuer will conduct an investigation of the dispute, and if the evidence supports the cardholder’s claim, the issuer will take steps to officially file a chargeback and withdraw the funds.

For disputes related to transactions, please get in touch with our 24x7 chat support

For credit report related disputes, please get in touch at +1 (213) 406-7896 or reach out to our 24x7 chat support

A quick call to the merchant can often answer your questions and quickly resolve them. However, if this is not resolved, you may contact Zolve Customer Support.

A transaction dispute should be reported to Zolve within 60 days from the date of the statement delivery. Let’s say your statement is delivered on 15th March and your due date is on 10th April, so you can report a dispute within 60 days from your due date.

As per Mastercard guidelines, in case of a dispute, all cardholders should provide a duly filled in Transaction Dispute Form mentioning the details of the disputed transaction, which will enable/authorize the bank to investigate with the respective Merchant / Member Bank.

When a dispute is raised for a transaction, temporary credit is given to your account, and an investigation is initiated. This temporary credit will nullify the effect of the disputed transaction on the total outstanding. This is to ensure that you are not affected during the period of investigation.

Based on the outcome of the investigation, the temporary credit may be made permanent resulting in no liability from your end for the transaction or reversed.

We will ensure an end-to-end resolution of the dispute. You may also contact the merchant directly for faster resolution.

A written acknowledgment will be sent confirming the dispute is taken up. We will inform you if any further documentation is required from your end to address the claim.

Most disputes are resolved within 90 days from the date of transaction dispute forms receipt and complete supporting documents. Although few complex cases might take more than the said time.

We will send you a written communication telling you about the outcome of your dispute.

If your card account is debited twice for a transaction that was incurred only once, be sure to get in touch with the merchant immediately or reach out to our Helpline to raise a dispute, in case the merchant denies it.

Approval and Denial of a dispute can depend on multiple factors and the card Issuers' acceptance.

No. To help protect your information and prevent further unauthorized use of your account, the card is frozen or blocked. You will receive a replacement card for further usage

We request you to check with relatives or friends or authorized users with who you might have shared your account details, to see if they recognize the transaction. To help you identify a charge, you can also view more details online by clicking on the transaction in your “Account Activity” section.