# ZYNLO — Spend. Save. Earn. ZYNLO.

> Digital bank account for spending, saving, earning, and early payday. (iPhone/iPad app by PeoplesBank.)

- Source: https://appshunter.io/ios/app/zynlo/id1490723885 (this page in markdown: same URL + `.md`)
- Developer: [PeoplesBank](https://appshunter.io/developer/341442379)
- Category: Finance
- Price: Free
- Rating: 4.13/5 from 128 App Store ratings · 37 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.0 · 130 MB
- Languages: English, Spanish
- Released: 2019-12-10
- Data updated: 2026-08-28
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/zynlo/id1490723885/reviews.md

## What is ZYNLO?

PLAY NOW.
ZYNG ROUND UP AND MATCH^
Save. Spend. Earn. We give you real cash every time you use your debit card with ZYNG Round Up & Match. 

Here’s how ZYNG^ works:
Open your ZYNLO More Spending checking account1 and a Tomorrow Savings account,2 then use your ZYNLO debit card.
We’ll round up each debit card transaction to the nearest dollar, match your roundup, and move that extra money into your Tomorrow Savings Account. The more you use your debit card, the more often we’ll round up and match.
EARLY PAYDAY*
If your employer offers direct deposit and uses a participating direct deposit service, ZYNLO gets you paid up to two days faster* than you normally would.

NO FEES:
No ATM Fees. No monthly bank account fees. 
No account balance minimums. No transaction limits.

HIGH-YIELD CHECKING
We think a checking account should earn big interest, too.


PLAN AHEAD.
SAVINGS GOALS
Whether you’re thinking about a new car, your next vacation, or your best retirement life, it’s super-easy to set up personalized Savings Goals and reach them faster. 

SPENDING INSIGHTS
Create custom spending folders to see exactly where your money is going. Because knowing how you spend can help you save.

HIGH-YIELD SAVINGS
Your ZYNG Roundup and Match^ and Savings Goals live in a high-yield savings account, where your money is making money. 

SECURITY
Lock and unlock your ZYNLO debit card with a single tap. Set or reset your PIN. Protect yourself with privacy controls. And every deposit you make at ZYNLO is 100% insured by the Federal Deposit Insurance Corporation (FDIC).

^ZYNG automatically rounds up debit card purchases to the nearest dollar and transfers that amount from your ZYNLO More Spending Account into your ZYNLO Tomorrow Savings Account. ZYNG will match roundups at 100% for the first 100 days. After 100 days, ZYNG will continue to match roundups at 100% if you maintain an average daily balance of $5,000 in your More Spending Account. Spending Accounts that maintain less than the minimum average daily balance will be matched at 25%. Match dollars will be deposited in real time based on the average daily balance (ADB) of the previous statement cycle. ZYNLO More Spending with ZYNG Round Up and Match return is estimated using $5,000 average daily balance, 20 monthly transactions, an average of $0.44 per roundup, and 100% match.

1More Spending Account: A minimum opening deposit of $10 is required to open this account, and the minimum balance needed to obtain the Annual Percentage Yield (APY) is $.01 as of 02/01/24 and is subject to change without notice. Fees may reduce earnings. Competitive rates are reviewed periodically.

2Tomorrow Savings Account: A minimum opening deposit of $10 is required to open this account, and the minimum balance needed to obtain the Annual Percentage Yield (APY) is $.01 as of 02/01/24 and is subject to change without notice. Fees may reduce earnings. Competitive rates are reviewed periodically.

*Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

## Key features

- Round up debit card purchases
- Match savings roundups
- Early payday access
- High-yield checking and savings accounts
- No monthly fees
- Savings goals
- Spending insights

## Recent user reviews (10 of 37)

All indexed reviews: https://appshunter.io/ios/app/zynlo/id1490723885/reviews.md

### 5/5 — Great Money Market A count

*2026-05-13, version 11.17*

Great rate and an easy app to use

### 1/5 — They still your money

*2026-04-07, version 11.17*

The decide to closed your account and never refund the money left in account. They are scams

### 1/5 — Worst bank ever

*2026-03-03, version 11.17*

I’ve just received my card and the numbers don’t match what they have in their system or the app extremely disappointed I wish I didn’t sign up for this bank because they can’t do what regular online banks can do like give you your full card info and or solve problems. Please stay away from this bank

### 5/5 — App Could Get Better

*2025-11-09, version 11.15*

The app could be updated to be more fluent and streamlined. Could fix the occasional crashes and how sluggish it can be at times. Could also make it more modern; and finally only have the features the customers will actually use.

### 1/5 — Poor service

*2025-11-01, version 11.15*

I called multiple times to fix my sign in issue they keep making wait or leave a message but never returned my calls to fix the issue

### 5/5 — Zynlo

*2025-10-03, version 11.15*

Love it!!!

### 4/5 — Zynlo needs to do better

*2025-09-27, version 11.15*

I actually enjoy this bank for my hys account but that’s it because if you need any type of help good luck. There’s no chat room or any type of support, they give you an Email but you won’t get a reply.

### 1/5 — TRASH!

*2025-09-25, version 11.15*

This bank is trash. Closed my account for no reason and have me no explanation. DO NOT BANK WITH THESE CORRUPT PEOPLE!!

### 1/5 — App crashes

*2025-07-09, version 11.11*

On the most important part which is the messaging with customer service it will 9 times out of 10 just freeze and you don’t see your messages.  This needs to be fixed as a top priority

### 1/5 — Worst banking app ever designed

*2025-06-23, version 11.11*

It is impossible to login. Period. You can only use the browser.

## Frequently asked questions about ZYNLO

### What does ZYNLO do?

ZYNLO offers a digital banking experience that allows you to spend, save, and earn money. It features a debit card that rounds up purchases and matches the savings, provides early access to direct deposit funds, and offers high-yield checking and savings accounts with no fees.

### How does the ZYNG Round Up & Match feature work?

When you use your ZYNLO debit card, each transaction is rounded up to the nearest dollar. This rounded-up amount is transferred to your savings account, and ZYNLO matches this amount. The matching rate can vary based on your account balance after an initial period.

### Is ZYNLO free to use?

Yes, ZYNLO advertises no bank account fees, no ATM fees, no account balance minimums, and no transaction limits. The core banking services and features like ZYNG Round Up & Match are provided without direct cost to the user.

### What are the benefits of using ZYNLO for savings?

ZYNLO makes saving easy through its ZYNG Round Up & Match feature and personalized Savings Goals. Your savings are held in a high-yield savings account, allowing your money to grow while you work towards your financial objectives.

### How does ZYNLO help me get paid faster?

If your employer offers direct deposit and uses a participating service, ZYNLO can provide you with access to your funds up to two days earlier than your usual payday. This feature helps you manage your cash flow more effectively.

## Version history (last 5 releases)

### 11.18 — 2026-06-05

This version includes accounts page enhancements, bug fixes, and more.

### 11.17 — 2026-02-08

This version includes accounts page enhancements, bug fixes, and more.

### 11.16 — 2026-01-20

This version includes accounts page enhancements, bug fixes, and more.

### 11.15 — 2025-09-15

This version includes accounts page enhancements, bug fixes, and more.

### 11.14 — 2025-08-25

This version includes accounts page enhancements, bug fixes, and more.

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## More apps by PeoplesBank

- [PeoplesBank Mobile Access](https://appshunter.io/ios/app/peoplesbank-mobile-access/id341442376)
- [PeoplesBank Cash Management](https://appshunter.io/ios/app/peoplesbank-cash-management/id783845161)
- [UWFS](https://appshunter.io/ios/app/uwfs/id6739217853)

All apps by PeoplesBank: https://appshunter.io/developer/341442379

## Related topics

[zynlo bank](https://appshunter.io/ios/topics/zynlo-bank) · [zynlo](https://appshunter.io/ios/topics/zynlo)

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*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 2026-08-28.*