Investec Private Client vs Bank Zero
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Investec Private Client
Manage your daily banking and investments with ease. Perform transactions, access card controls, and stay updated on market data. Securely log in with biometrics and download important financial documents.
- Daily transactional banking
- Secure biometric login
- Investec Visa card management
- In-app authentication
- Document downloads
- JSE-listed equity trading
- Market data and insights
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Effortless banking and investing at your fingertips Daily transactional banking made easy Make payments, add beneficiaries, transfer funds, check and redeem Investec Rewards point, buy airtime and electricity, send cash to yourself or someone else – it’s easy and convenient. Secure Log into your account with biometrics as a safe alternative to your password. Investec Visa card Temporarily block card, view card details or PIN. You can change or resend your card PIN, or let us know when you will use your card abroad. In App authentication If you’re connected to a Wi-Fi network, you can use In App authentication when you log into Investec Online - useful if you’re travelling abroad. Find and download documents Download statements, email statements, proof of payments, reference letters, tax certificates and visa letters. Trading Seamlessly buy and sell JSE-listed equities. Markets Daily data on major local and international markets, commodities and currencies - plus insights into South African equity market. Keep up to date with investment instruments through Markets Watchlist. And much more on the Investec Private Client App … When you’re on the go, the Investec App goes further. For assistance, please contact the 24/7 Global Client Support Centre on: SA: 0860 110 161 or +27 11 286 9663 UK: 0845 366 6333 or +44 207 597 4131
Bank Zero
A modern, app-driven bank offering robust financial services for individuals and businesses at no cost. Features include secure transactions, account management, and dedicated support. Explore unique banking functionalities and manage your finances seamlessly.
- App-driven banking
- Zero cost services
- Individual and business accounts
- Secure patented card
- Dedicated banking specialists
- Account opening and management
- Payment and transfer services
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Powerful and robust banking... at Zero cost! Bank Zero is a modern App-driven bank for individuals AND businesses. Customers also get a secure patented card and can chat via email with a dedicated team of banking specialists. Visit www.BankZero.co.za for 16 powerful unique features and more... You can do these banking activities: • Register • Open accounts including investments • Businesses banking and related functionality • Relationship Banking and Auth Chain • Opening of new business types - Pty, Solo, CC, NPO's, NPI's and Partnerships • Pay • Apple Pay • SARS/Public Recipient Pay • Transfer • Buy prepaid • Send Money • Pay via QR code • Pay many for multiple payments • Import recipient list for Pay Many using CSV upload • Pay Immediately • Stopping of Debit Orders • Update business FICA at any time • Download your statements and letters • Ability to switch daily emails on/off • Add your children (so they get full access) • Link people to your account, like friends and family • Setup owners/officials and the authorisation chain for your businesses
Screenshots
Verdict
Investec Private Client and Bank Zero both sit at 3.4 stars, but that hides the real split: 67% of Bank Zero's written reviews are positive against 42% of Investec Private Client's. Bank Zero also leads on iOS requirement (12.0 vs 15.1). Investec Private Client's advantage is update cadence (weekly vs every 5 weeks) and ratings volume (39 vs 12). On price, rating, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 3.4 for Investec Private Client against 3.5 for Bank Zero. Both are backed by a comparable volume of ratings — 39 and 12 respectively. Written reviews are what separate them: 42% of Investec Private Client's written reviews are positive against 67% of Bank Zero's.
Investec Private Client ships an update weekly, Bank Zero every 5 weeks. Both last shipped on September 17, 2026.
| Parameter | Investec Private Client | Bank Zero |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (39 ratings) | 3.5 (12 ratings) — better |
| Positive reviews | 41.9% of reviews | 66.7% of reviews — better |
| Number of ratings | 39 — better | 12 |
| Update frequency | Weekly — better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.1 | 12.0 — better |
| Further details — not scored | ||
| Size | 273 MB | 148 MB |
| Age rating | 4+ | 9+ |
| Developer | Investec Ltd | Bank Zero |
Customer experience
Investec Private Client
Bank Zero
Bugs and requests
Investec Private Client
Reported bugs
36 issues- App closes down when hitting time periods in transaction history
- List jumps/moves down when selecting first beneficiary
- Error message when trying to login
- Transaction engine errors
- South African app does not allow confirmation text to non-SA numbers
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- Stuck at login screen for months
- View fixed in Portrait mode on iPad with Magic Keyboard
- Unable to request PoP on App
- App hasn’t worked for the last three days
- App does not work / open at all on iPhone
- Red notification on app that won’t clear
- App crashes on FaceID and terminates
- UK number diverts to South Africa
- App hanging every time attempting to pay someone
- Watch app has become inaccessible
- Phone app doesn’t recognise fingerprints
- Payments can no longer be made on iPad
- App fails at point of entering OTP for payments on iPad
- Glitches in transaction amounts (e.g., £1,000 vs £1,015.67)
- Cannot search beneficiaries
- Cannot download payments retrospectively
- Cannot add once-off payment beneficiary as permanent
- App is ALWAYS down for maintenance
- Watch app never works
- iPhone X support issues
- App crashes
- TouchID has disappeared
- App hangs when switching between apps
- App hangs sometimes when creating new beneficiaries
- Touch ID authentication disables for no reason
- TouchID login option disappears
- Keypad not displaying correctly
- App dialogue box for different field opens when tapping on one field
- Payment notifications sent to wrong beneficiary due to glitch
- App keeps asking to accept Ts & Cs and then log in
- Registration does not work after uninstall/reinstall
Requested features
24 requests- Allow confirmation text to non-SA numbers
- Enable landscape mode on iPad
- Add FaceID support for iPadOS
- Ability to edit budgets on mobile app
- Ability to edit transaction categories on mobile app
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- Ability to refresh accounts on mobile app
- Ability to add new accounts on mobile app
- Save electricity details
- Implement fingerprint authentication on iPad
- Allow search for beneficiaries
- Allow downloading payments retrospectively
- Allow sending confirmation of payment from app
- Allow adding once-off payment beneficiary as permanent
- Improve iPhone X support
- Modernize banking app like Monzo
- Make Touch ID optional
- Add ability to see all investment balances
- Allow changing beneficiary reference when making a payment
- Show pending transactions
- Incorporate Asset Management account (unit trusts)
- Cater for convenient inter-account transfers for all Investec accounts
- Fix OTP input for each transaction
- Improve gesture usage
- Increase character limit for recipient email
Bank Zero
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Investec Private Client
No in-app purchases
Bank Zero
No in-app purchases
Questions
Is Investec Private Client free?
Is Bank Zero free?
Which has better reviews, Investec Private Client or Bank Zero?
Do Investec Private Client or Bank Zero have ads?
Which is updated more often, Investec Private Client or Bank Zero?
Other comparisons
