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Zero Fintech Shuts Down as Users Urged to Withdraw Before March 31

Balances are not FSCS-protected because Zero was an e-money firm, with unclaimed funds held for up to six years by its card issuer.

Overview

  • Zero, which ceased trading on Wednesday, March 18, says the app should stay accessible until March 31 but it cannot promise this.
  • MoneySavingExpert is telling customers to move their money now using the linked UK current account shown in the app.
  • Zero ran e-money accounts rather than a bank, so personal account balances are outside the FSCS and are instead kept in ring-fenced safeguarding accounts.
  • Transact Payments Limited will keep any unclaimed deposits for up to six years, and customers can request access by emailing zero@transactpay.com.
  • About 21,500 people registered with Zero, with roughly 7,500 active users, after the startup launched in January 2025 and later failed to raise new funding.