# ZYNLO — user reviews > 37 indexed App Store user reviews of ZYNLO by PeoplesBank, rated 4.20/5 from 144 ratings. - Source: https://appshunter.io/ios/app/zynlo/id1490723885/reviews - App overview in markdown: https://appshunter.io/ios/app/zynlo/id1490723885.md - Rating breakdown: 5★ 104 · 4★ 12 · 3★ 3 · 2★ 2 · 1★ 23 ## Newest reviews (10 of 37) ### 4/5 — Zynlo needs to do better *2025-09-27* 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. ### 2/5 — Worst banking experience ever *2025-04-30* I switched to Zynlo less than a year ago for their savings APY. I’ve experienced nothing but regret since making that decision. They don’t use Plaid, they have chronic issues with the app, customer service is wonderful when you’re signing up and then dismissive once they have you as a customer, transaction posting timelines are inconsistent and unreliable, and the worst part of all is the Allpoint ATMs. One of them stole cash from me and neither company will even try to help. They both just blame other entities. Zynlo can’t contact Allpoint or see any data from them when the ATM steals cash and doesn’t log the transaction. Allpoint says to talk to the bank. Then they blame the business where the machine is housed for not sending someone to unlock the machine. This happened in a Target. Target can’t do anything. They house the machine and nothing more. 4% apy is great, but definitely not worth the never ending stress this company has caused me. I am going back to my credit union. ### 2/5 — Goals Not Working *2025-01-24* There’s no where else to put this feedback, so I will have to write a review and hope the developer team sees this. I have been unable to use the Goals feature, due to the following bug: When I go to Goals > select a goal > Start Funding > Transfer > From — there is no account available on that screen. It says “Select the account from which the goal will be funded”, then a blank white screen. I hope this bug can get resolved soon, using Goals is one of the reasons I got into Zynlo. For context am using an IPhone 13, and I have the Tomorrow Savings account. ### 5/5 — Great Features *2024-03-18, version 2.3.2* The ZYNLO app is super simple to use! I love how easy it is to create and organize with spending folders to see how much I am spending. Also love making savings goals with all the opinions on how to set up payments. The round up and match is a great feature, plus you earn interest on your checking account. ### 5/5 — Great bank, great app *2023-12-05* I really love the features and the ease of use of this app. With savings folders and spending folders, it makes it really fun to manage my money. It’s also really nice that if I do have any issues, I can just give them a call and an actual person is available to walk me through it. Nice knowing that I’ll get a person on the line and get things figured out in a couple minutes. Great rates, too! **Developer response:** Hi mon02222, thank you for the 5-star review. We appreciate your feedback and look forward to continuing to be your financial partner! -Your ZYNLO Team ### 4/5 — Is it a standard bank account or a prepaid bank *2023-11-19* I’m trying to use this for my work payroll and errands, is this a standard bank account or a prepaid account, can I receive wire transfer and make wire transfer with this bank Will be waiting for response **Developer response:** Hi there! We are an FDIC and DIF-insured bank geared towards personal banking. At this point, we don't accept wire transfers but ACH external transfers. If you're looking for more information, please feel free to check out our website zynlobank.com or contact our Support Team. They're available to chat 24/7/365! Please email SUPPORT@ZYNLOBANK.COM or call 1-844-ZYNLOBANK (1-844-996-5622). ### 1/5 — Worst app *2023-09-18, version 2.2* Servers are not found and they advertised on Instagram Can’t open an account ### 1/5 — Becareful *2023-09-05* I wanted to give this bank a try, after I received my card I tried to login and it said no user found. I am very disappointed and happy I didn’t put any money into this bank. This is my first time going through this. Not happy. **Developer response:** We sincerely apologize for the troubles you are experiencing. The ZYNLO support team is available and would be happy to look into this for you. Please email SUPPORT@ZYNLOBANK.COM or call 1-844-ZYNLOBANK (1-844-996-5622). ### 5/5 — Review *2023-07-12* So far no issues and the app seems very slick. Will update in a few months. ### 5/5 — Skeptic Proven Wrong *2022-11-02* I was very cautious about diving into the digital only banking, but so far everything has been easy and convenient and the higher than average rates pay out as advertised. I’m not one to write reviews usually but I’m hoping this bank sticks around so I wanted to share my experience. 10/10 would recommend. (For reference, I’m only using their money market service at the moment so my opinion is based mostly on that service and not the other services.) **Developer response:** Hello Sacramento CMT. Thank you kindly for the 5 Star Review and for the comments. Thank you for choosing Zynlo Bank. Your Zynlo Team ## Most critical reviews (10 lowest-rated) ### 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* 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 ### 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 ### 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* 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. ### 1/5 — Avoid at all cost *2025-06-18* Was told I could receive a wire, checked with customer service two separate times before having said wire sent to my account, wire never posted. Called and emailed customer service for days, finally saw wire was rejected after being held for multiple days. Then my account is locked and they’re asking for excessive documentation about a transaction that didn’t even post. Constantly locking my account and having to wait for a non responsive “operations department” to reach back out to me before this wire issue , haven’t heard anything from this department in over two weeks. I’ve left 5 voice mails. Emailed, am told I need to call. My direct deposit was finally notified of being rejected today. I just left a voicemail telling them to close my account (if it wasn’t done already). Beware of using Zynlo, they will over scrutinize even the most basic of transaction and it’s almost impossible to just do normal basic banking transactions. Customer service is horrible, and I don’t say that lightly. Stick with any other banking service. I have reported both Zynlo and people’s bank with the bbb cfpb occ ftc etc. 15 complaints total. Zilch - no response at all. Shame on this company. ### 1/5 — What happened? *2025-03-20, version 11.9* Worked fine, but now when I use the mobile app it just says "Forbidden" and won't log me in? NOT. OKAY. ### 1/5 — Horrible *2024-01-10, version 2.3.2* It’s a very basic account, they limit how you access your OWN money, no wire transfers, no way to use your debit card for more than $2000 p/day, there customer service is horrible and of zero help ### 1/5 — I can’t reset username or password *2023-10-28, version 2.3.1* I forgot my email I forgot my password No customer service ## Most praised reviews (10 highest-rated) ### 5/5 — Great Money Market A count *2026-05-13, version 11.17* Great rate and an easy app to use ### 5/5 — App Could Get Better *2025-11-09* 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. ### 5/5 — Zynlo *2025-10-03, version 11.15* Love it!!! ### 5/5 — Great bank *2025-05-04, version 11.11* So far an amazing bank ### 5/5 — Fantastic primary bank option, solid no frills app *2025-02-10* ZYNLO has quickly become my primary bank. It's nice to earn some interest on whatever funds I have in my checking account although I try to keep that small. The adjacent savings account and money market account don't yield quite as much as a couple other savings accounts I have, but are a close third, and transferring money to and from other banks is easy. The app design doesn't have fancy graphics and animations and advertising, which is good - it works for accomplishing banking needs easily. Also no hoops to jump through to avoid a monthly fee. The only thing that I miss is Zelle support, which does not exist currently. I do have another bank account I can use for that, so it's not the biggest deal. Overall a great value and clean functional app! ### 5/5 — Great! *2024-10-23* Finally a savings account that’s better than anything else in the market! I love how Zynlo matches all my savings while growing my money ### 5/5 — Best savings account out there!! *2024-10-23* Get their savings account! The interest rate + round up add up so much. It’s definitely one of the best options out there ### 5/5 — Amazing Finance Tool! *2024-10-23, version 11.9* Zynlo has been the best tool to finally get me to start saving!!! 🌟 ### 5/5 — A great tool to start saving! *2024-10-23* I love Zynlos saving tools - they match all your round up savings!! ### 5/5 — Great new stream of features *2024-10-17* Absolutely love the new Zyng feature and goals! --- *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 2026-09-05.*