ZELF is a Gen Z neobank that brings financial services directly to instant messengers like Facebook Messenger, WhatsApp, Telegram and Viber.

ZELF currently operates in France and Spain, where more than 500,000 Zelfers have already joined the platform by scanning a QR code generated on the Zelf website or receiving a friend’s referral code. Once they have joined, new users are directed to choose their preferred messenger and start a conversation with their new bank.

Users add money to their ZELF virtual cards by transferring funds from a bank account, other cards, or even from their parents, by sharing their individual QR code or simply providing their IBAN account number. Then, they authorize contactless payment platforms, such as Apple Pay and Google Pay, to use those virtual Zelf account numbers as they would any other card.

ZELF is using Treezor´s EMI license for providing financial services.

The company was established 2019 by Elliot Goykhman.

We rate the company on Green.