The smartest way
to   money

India's first all-in-one integrated budgeting, tracking, and payments app.

Zerobalance app
Zerobalance app view
Budgeting on Zerobalance

Budgets that
really work 🎯

Do you even budget? Or still using pen & paper? 
Zerobalance enables you to easily create budgets and set limits. It automates the process in real-time so that you never overspend again.

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Tracking on Zerobalance

Track where your
money flies 💸

Master your money by tracking every purchase. Obtain deep insights into your spending habits and patterns that help you plan better and save more every month.

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Offers from Zerobalance

Get rewards meant only for you 🎁

Get discounts on your favourite brands. Find hyper-personalised rewards which you can choose from a host of relevant categories.

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Lightening fast onboarding ⚡️

Install. Open. Done. All in a     flash

Categories on Zerobalance app

1. Select  categories

Are you a foodie, shopaholic or cinephile?Just choose the categories where you spend your money and relax. Take your first step towards financial planning.

Authorising apps on Zerobalance app

2. Add favourite apps

Just add the apps which you want to exercise your control on. We track your spending on these apps and nudge whenever you try to cross the limits. Sounds great. Right?

Setting limits on Zerobalance app

3. Set limits

You can now decide who can charge you, how much, and how often. We are good to go.

Control over 333+ apps

Use Zerobalance card on all of these apps & more and experience controls like never before.

Apps that you can controls on Zerobalance

Our Mission

We understand and have lived the pain ourselves of creating budgets on excel sheets and trying to follow them only to end up not knowing where our money went and wondering if we stuck to our budget or not.

From budgeting to payments, it’s a long and broken experience.

Zerobalance is India’s first all-in-one integrated budgeting and savings app powered by a virtual card. Using Zerobalance you can plan your expenses, create budgets & set limits to kill overspending and begin your savings journey one payment at a time.

Backed By

100X.VC backs Zerobalance

Frequently Asked Questions

Is this service completely free?

Yes, the service is completely free

Can I get multiple virtual cards?

No, for one given PAN card number and mobile number, only one virtual card can be issued against them

How long is the virtual card valid for?

The card is valid until the month and year mentioned on the card.

What is a PAN card?

PAN card stands for Permanent Account Number which is issued by the Income Tax department of India. This PAN number would be available to all Indians who file their taxes.

Why is PAN card required for signing up?

We have partnered with Decentro, Yes Bank, & Rupay to issue these virtual cards. For every virtual card, we need to create a virtual account and need to do a compulsory minimum KYC for each user. The PAN card helps us carry out minimum KYC for you while signing up.

Are virtual cards legit?

Yes, virtual cards are technically prepaid cards. They function exactly as your debit card. These cards are issued by Yes Bank on behalf of Zerobalance.

Is this virtual card linked to my bank account?

No, this virtual card is not linked any bank account of yours.

How can I add funds to this card/account?

You can add money to your Zerobalance card via any of the UPI apps. We are soon enabling other ways of adding money as well.

Is Zerobalance a bank?

Zerobalance is payments apps powered by virtual prepaid card to help you manage you budgets in real-time. We are not a bank and neither do we open saving accounts with our partner bank.

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Experience controls like never before and take charge of your finances.

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Zerobalance app on play store
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