# Zeta Joint Account — user reviews > 98 indexed App Store user reviews of Zeta Joint Account by Zeta Help Inc., rated 4.40/5 from 335 ratings. - Source: https://appshunter.io/ios/app/zeta-joint-account/id1493011848/reviews - App overview in markdown: https://appshunter.io/ios/app/zeta-joint-account/id1493011848.md - Rating breakdown: 5★ 264 · 4★ 18 · 3★ 8 · 2★ 8 · 1★ 37 ## What do users think of Zeta Joint Account? Overall sentiment: neutral **Pros** - 🚀 Best Personal & Shared Banking - 👍 Ideal Online Banking - 💡 Game-changer - 👍 Hands Down, The Best Bank - 👍 Awesome Money Management Tools and Automations - 👍 The New Simple Bank - 👍 Envelope Budgeting and So Much More - 👍 Great Simple Replacement! - 👍 Joint Account - 👍 Budget App for Couples! - 👍 Great App **Cons** - 🐛 APP IS A SCAM !! - 🐛 Awful. - 🐛 Frozen stuck - 🐛 Class action lawsuit - 🐛 Zeta app - 🐛 This bank has potential but the app is riddled with bugs. - 🐛 Poor Customer Service - 🐛 Steals your sensitive personal information - 🐛 Wants too much personal info - 🐛 No communication - 🐛 OK app, TERRIBLE Bank - 🐛 Scam - 🐛 Glitchy and slow - 🐛 Taking too long to start using **Commonly reported bugs** - Transfers take too long - Inconsistent account balance display - Inability to edit transaction vendor names in bulk - Choppy app performance - Frequent reauthentication prompts **Most requested features** - Tap to pay - Checkbooks - Customizable security timeout - Bill pay - Zelle integration ## Newest reviews (10 of 98) ### 2/5 — This bank has potential but the app is riddled with bugs. *2024-10-01* This app demos well but the developers don’t make sure it works beyond the happy path. Can’t connect more than one credit card from the same bank. Cannot do things like assign a bill payment from the past to a bill budget. Cannot have two separate bills from the same institution. There are so many uses cases like this make it practically unusable for anyone who’s serious about using it for budgeting. Zeta: make the app run smoother and improve performance, make all your current features work beyond the toyish demos, and don’t bother shipping new features until it does. Hire more QAs and hire a better product owner. **Developer response:** Thank you for taking the time to share your feedback. We're sorry to hear that your experience with your Zeta Account hasn't met your expectations, and we appreciate the detailed insights you've provided. Our goal is to make budgeting seamless for all users, and we understand that issues like these can be frustrating when they hinder that experience. We're actively working on improving performance and enhancing existing features - for example, we are soon going to be able to support two separate bills from the same institution. Your specific points around credit card connections, bill payments, and budgeting are valuable to our development process and we’re prioritizing these concerns as we continue refining the app. Thank you for your patience as we work to make meaningful updates, and please feel free to reach out to our support team if you have any further suggestions or need assistance in the meantime. ### 4/5 — Nearly Perfect *2024-07-01, version 7.3.5* I've been a member of Zeta Joint Account since it was the former Zeta Money Manager app in 2021, and my wife and I opened our accounts. Before discovering Zeta, I dealt with traditional banks and eventually switched to online banking with CapitalOne, which was okay but not exceptional. Zeta stands out by offering essential banking features that I believe all banks should provide. The bill reserve feature is fantastic, and the goals feature has made saving for larger expenses much easier. Flex bills, especially for expenses like semiannual car insurance payments, have been particularly helpful. Despite carrying a credit balance, Zeta has significantly improved my money management skills and helped me work towards reducing debt. However, there have been a few issues. Zeta does not provide checkbooks, so payments by check must be mailed in advance, which can take up to ten business days. This caused complications with our rent payments, although fortunately, our landlord accepts cash as an alternative. On the homepage, the Coming Up section is sometimes inaccurate on the income side. For instance, during tax season when we received a state refund, Zeta mistakenly treated it as a recurring paycheck. It would be beneficial to have the ability to edit or remove inaccurate items from this section. A useful feature is the ability to manually change transaction vendor names (e.g., from "FUEL #1488" to "AllPoint ATM"). However, it's a bit cumbersome since you have to do this for each transaction individually. It would be more convenient if there were an option to rename all transactions from a particular vendor at once. In terms of app performance, it can be a bit choppy and behaves similarly to a web app, which is ironic considering Zeta lacks a web presence. Enhancing the app's smoothness and introducing dedicated experiences for web, macOS, and iPadOS would be beneficial. Additionally, a customizable security timeout would improve usability, as the app currently prompts for reauthentication more frequently than I find necessary. Overall, Zeta has been a positive experience for managing finances, with some areas for improvement in functionality and performance. Their support team is unparalleled in my experience—swift and incredibly helpful in resolving issues. ### 1/5 — Wants too much personal info *2024-02-10, version 7.1.0* There's no good reason for you to need my address for doing budgeting ### 5/5 — For those who tackle finances as a team *2024-02-06, version 7.1.0* Excellent app packed full of features for people who want individual bank accounts and a shared account to handle shared bills, goals, etc. Virtual card creation, tap to pay, physical cards are sick, very powerful app. Real people available to help if needed. This is simple 2.0. ### 5/5 — Perfect for couples! *2024-02-02, version 7.0.0* Zeta helped my fiancé and I go from super confused to super organized! We both struggle with ADHD which can make finances even harder than they already are to manage for the average person. Zeta has helped us level up and be in control of our finances together in a fun, organized and easy to use app. I recommend Zeta to everyone I know! Their customer service is also top tier. Looking forward to watching them grow! ### 2/5 — Won’t respond to the help function over sensitive document material *2024-01-31, version 7.0.0* I have emailed all the documents twice now (which by the way is a bit invasive for what is essentially a budgeting app. There has been zero response back from this company on the matter which would make anyone nervous when giving sensitive information. I would highly advise anyone to delete the app and not send the documents they force u to upload. ### 5/5 — Hands Down, The Best Bank. *2024-01-22* As a couple who isn’t married (yet), it’s hard to get approved for things together. We had tried other online banking and there was no place we could have our account togerher… until Zeta. I can honestly say that Zeta is the best and offers the best service hands down. Not only do I get to have my money quick it’s super convenient and easy to you use. And let me tell ya, the concierge is such a nice touch. Like the cherry on top. Anytime we’ve had any kind of question or concern they’ve been right there, helping and answering all of our question. I am so happy with the choice we made to have an account with Zeta and even happier Zeta chose us. 👏👏 **Developer response:** Thank you so much for such a great review! So glad you both are enjoying the app. Welcome to the Zetaverse! 💚 ### 5/5 — How do people live without a bank Concierge? *2024-01-18, version 7.0.0* You know what's low-key great about this banking app is how the Concierge helps me out with sorting finances alongside my wife. It's not flashy, but it gets the job done. And now, with SamGPT in the mix, I can get assistance even when the humans are off the clock. The combo of the chill concierge crew and SamGPT just makes dealing with money stuff a bit smoother, no frills attached. ### 5/5 — Easy simple budgeting app *2024-01-18, version 7.0.0* I’m so surprised an app like this exists. It’s like they read my mind and it just makes budgeting for my family so much easier. Even though there is a free version, I chose to pay for the premium version called Zeta+. It’s so worth it. They actually offer multiple virtual cards (safer for spending online) and a thing called automation where you can use a paycheck to auto-fund multiple envelopes. The concierge team really cares too. Only wish I found this app sooner. ### 5/5 — Zeta has seriously helped our finances *2024-01-18, version 7.0.0* I’ve been using Zeta as our main household account in my families finances for a few years now - our spending, savings, goals and bills have never been more clear to us. With the recent addition of automations and Cards+ most of our planning is on autopilot freeing up more time for bigger picture planning. ## Most critical reviews (10 lowest-rated) ### 1/5 — APP IS A SCAM !! *2025-02-13, version 8.5.3* Me and my wife put $100 deposit into saving once we deposit money it said our account is Now locked ! And we had to send ID and W2 paystubs ! For a review! And we still never gotten our money back even after review! PLEASE ANYONE TRYING TO SAVE MONEY STAY AWAY FROM THIS APP! ### 1/5 — Awful. *2025-01-20, version 8.4.0* Cant complete signup because their app is garbage. Clicked "get help" chat box and nobody has reached back for over 24 hours. Id say its the worst customer service Ive ever experienced, but then I never actually had any contact beyond auto generated email. I'll be opening an account elsewhere. ### 1/5 — Frozen stuck *2024-12-19, version 8.3.0* Can’t get started. We both downloaded the app and filled out forms. We’ve been stuck in one of the opening menus saying we need more info. Ask to email it. Never receive email. Press help button. Directed to help email. Send help email. No response. Waste of time. Thanks! ### 1/5 — Class action lawsuit *2024-12-02, version 8.1.0* This “app” and so called “chat” customer service is non existent when you have an issue but when you first sign up it’s all peaches and cream. I have called the “actual bank” they use. And to no avail. They won’t even talk to you, they just give you and email. I’m just about 1/2 mile convinced that this is a total scam. I put in for a transfer from our bank and the money is no where to be found. I have googled, called “Piedmont bank” which I believe is also a scam. And a guy answered that seem to just be sitting. Around on a cell phone assigned to “sound legit”. I see others have had similar issues where their money is gone and there is no one to speak with. Also NOW all of a sudden the app keeps kicking me out. Prior to this last transfer request 95% of everything SEEM to be working. I’m about to start first eith the better business bureau, and work my way up. It might be $400 little money to them but it’d big to us and it’s missing. Not to mention they have ALL of our personal info AND THEY HAVE GHOSTED US, and the two emails that came, 1 was an automatic response and the other was basically “go back to the app”. When I went back to the app they act if it they were surprised and didn’t understand the issue which clearly a BLIND person can look at the dates and amounts and see the MONEY IS NOT THERE. When you all get ready we can go and file a class action lawsuit because clearly this women owned business is a scam, ripoff, an attempt steal, and fraud people out of their hard earned money. Not to mention identity theft and fraud. ZERO WAY TO LOG INTO YOUR ACCOUNT WITHOUT THE APP ### 1/5 — Zeta app *2024-11-21, version 8.1.0* The app doesn’t work anymore ### 1/5 — Poor Customer Service *2024-09-30, version 7.8.1* They told me to verify my identity… so I did two weeks ago two different times. It’s still asking me to verify my identity and I’ve emailed them countless times. Waste of time. ### 1/5 — No communication *2024-06-05, version 7.3.4* These people asked for my personal information to verify my identity and two months later i have not received any response back or update on my account. Terrible app and terrible service. Would not recommend to anyone. ### 1/5 — OK app, TERRIBLE Bank *2024-04-23* The app started out great for me and my partner We were able to save up money for a good year It all went well and then spiraled down so quick We only used to app for saving so we barely checked on it as we barely used it, we had automatic payments set up. We started using it to buy stuff for our baby shower for our first baby. Our card info was stolen and we didn’t realize until a week later. It’s been over a year since the incident and we’ve only received a tiny portion of our money back. Zeta has done little to nothing to help us out so we closed to the account. Shortly after we received an email that another one of our transactions was refunded but our account was already closed so we’d be getting a check for the amount. Half a year later and we still haven’t received anything. If you look up the actually bank the app uses called Piermont Bank , it has TERRIBLE reviews as well. Use it for small amounts of money only do not trust them with bigger amounts because they do little to nothing to help you retrieve it if anything happens. They had a whole investigation to prove I wasn’t committing fraud but I gave them so much proof that there IP spoofing order packages from multiple states within a few hours and they still declined my case. **Developer response:** Thanks for leaving a review. We are sorry your experience with a merchant dispute was not to your expectations. We follow all applicable rules and regulations with disputes. Outcomes are based on the evidence available and information provided by the card network and merchant. That said, can you please email us at support@askzeta.com? We'd love to look into your experience and also take a look into the refunds you mentioned as well! ### 1/5 — Scam *2024-03-15* It was an okay banking app for a while, but it’s gone downhill over the years instead of upwards. They want you to “subscribe” to services they originally advertised as being a part of every account. Now they have decided to use AI chat bots instead of real people for the customer service… and that’s what drove me out. I could not speak to a PERSON about an immediate banking issue. Instead it’s just a chat bot parroting FAQs at me. Do not trust this company with your money. ETA: They have refused to finish a transfer in order for me to close my account. This is not a company you should trust. ETA after Dev Response: ALL QUALITY DECLINED OVER TIME. The services and “features” now available are not the same quality. They had BETTER services and features than what they have now. There is a paywall for features promised to be included for older account holders. Your “Bank” and customer service now reads (and acts) like scam artists. I will not try to reach out to you or your company anymore because I *did* try to communicate these issues long before coming and giving this public review. **Developer response:** Sorry to hear you’ve had a negative experience. While we do offer opt in paid features with Zeta+, all of the core features such as mobile check despot, ACH transfers, debit cards and Bill Reserve remain a part of the free tier of Zeta and will always remain so. Additionally, while we do have our AI digital assistant to assist at any time, your human Concierge is always available during regular business hours to assist as needed. If you are still having issues you feel need resolution or additional feedback, please feel free to reach out to us at support@askzeta.com and we can take a look for you! ### 1/5 — Steals your sensitive personal information *2024-03-05, version 7.2.1* DON’T BOTHER. I came here trying to find a replacement app for Mint, and was extremely frustrated. This app makes you input all your personal information - phone number, physical address, social security number - and then DENIES your ability to even use the app. Apparently you have to meet some special standards to qualify to use this app (but they don’t share what those standards are!), so they’ll probably just steal your info and sell it. Have fun getting spammed by the highest buyers thanks to these dishonest app makers. ## Most praised reviews (10 highest-rated) ### 5/5 — Best Personal & Shared Banking! *2025-03-06, version 8.8.0* I love this app so much and have been using it for a couple years now ☺️ So happy with all the improvements and communication they share. I am a former Simple Bank and One Bank user - and Zeta is by far the best to have come out of that mess. Highly recommend!! 😎 ### 5/5 — The Perfect Banking App *2024-10-07* Like a lot of other reviewers, I was a member of Simple banking and relied heavily on it. Once it was bought out and closed I couldn’t find anything even close. When I finally discovered Zeta I was extremely excited even though it didn’t quite have everything Simple did. The most important thing it had/has is an amazing and responsive development and customer service team. The team is always looking for feedback and always adding new features. With the upcoming ability to split transactions Zeta will officially have everything Simple had AND more. I have nothing, but praise for Zeta and am a huge fan of it. **Developer response:** Hey Zane! Wow, thank you so much for taking the time to leave us this great feedback. So happy to hear we're heading in the right direction! 🔥 ### 5/5 — Has been great for us! *2024-09-19, version 7.8.1* My husband and I both have adhd and we absolutely loved the bank simple with the virtual envelopes we were sad when that bank closed. We have found we love Zeta even more than the other bank! Can’t wait to see what new features come out next. ### 5/5 — Awesome *2024-08-17, version 7.6.0* I really enjoy zeta ### 5/5 — FINALLY a light at the end of the Simple search tunnel *2024-08-16, version 7.6.0* It’s been a long time waiting and searching for a replacement for Simple Bank. I’ve made my wife suffer through three other fintech banks in the past with promises of envelope budgeting but none have felt right. Then I found Zeta. I decided to try them based on reviews, features, and reading about how they started and why. They began with the goal of teaching families and helping them understand about money and budgeting. So I decided to download the app and try them out. So far my experience has been great. The UI is simple and clean. They have a calendar which shows upcoming bills or payments (which I love), they use an envelope style budgeting system which always shows you your “Safe to Spend”. I’m eager to try out the included tax filing. They have a decent APY. Mobile check deposits and more. Support is chat online only however, the response times have been faster than any other fintech bank. Less than 2-3 hrs so far and follow up questions have been faster. This is what I like about Zeta. It feels like the people here really care about what the have set out to do and want to support your family to be better with your finances. Now, they don’t check off all the boxes yet…no early direct deposit, no desktop access, need a better more customizable way to visualize spend and track categories, and the app needs get just a little bit faster in response. Also, you need to know that unless you use direct deposit and sign up for “Plus”, which is a small monthly or yearly cost, you don’t get all the features. However, I don’t mind paying for something that works for me and supporting a company that has a clear vision of where they want to go and who they want to be. Here’s hoping more Simple folks and every Family goes to their website and reads their About Us page. Then download the app and see for yourself. I did it and I hope this is finally the end of my 3.5 year search of the best Bank + Budgeting app. ### 5/5 — Game changer. *2024-05-11, version 7.3.1* My wife and I use this app and it’s a game changer. I’m shocked more banks don’t offer apps like this for their customers. Also, customer service has been great. They are very responsive and respond right in the app. We’ve been using Zeta for more than a year now and it’s helped us organize our savings and finances. This app should have 300,000 reviews. If more knew about it they’d use it. ### 5/5 — Ideal Online Banking *2024-04-04, version 7.2.4* I moved to Zeta after moving to One from Simple. I really need envelope style budgeting to do well with banking. It works with my brain and my partner’s and every time we had to move to another bank - we found it so disruptive. Zeta is the ideal replacement. Has all the features of Simple and more. The automation feature is helpful for consistent contributions to each envelope, you can tag transactions with categories and associate it to envelopes. The joint account is ideal. 10/10. I love banking with Zeta. ### 5/5 — Amazing *2024-04-01, version 7.2.4* Love that I could finaly share my finances with my wife without all the confusion. With zeta it’s simple easy and fast ### 5/5 — Game-changer *2024-02-09, version 7.1.0* I used to dread managing my finances, but this changed everything. It's eliminated the stress and hassle - and made it easy (even delightful!) to coordinate money decisions with my partner. Highly recommended. ### 5/5 — Can’t live without it! *2024-02-08, version 7.1.0* Seriously can’t remember our life without it. I used to be a ONE customer, but switched when they merged with Walmart and I’m so glad I did!! The budgeting tools have been so helpful keeping track of every day spending and future expenses. I’d recommend to anyone who needs an efficient way to make a budget and stick to it. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*