Zelf is instant money in messengers. Zelfers get access to fast and easy banking services without the need to visit the bank, install any app or any other hustle. You can get an iconic acid colour card within 30 sec, top it up and manage your financial life without leaving your favourite messenger.
We start to distribute first card mid spring 2020!
Just open your favourite messenger: WhatsApp, Telegram, Viber or Facebook Messenger (WeChat, Line and Discord - next), look up Zelf in your chat list and send us ‘hi’ or anything else 👋 Zelf will ask you for your full name and phone number. After receiving an SMS with code and verifying you are good to go. Your account is set up. That simple!
When you sign up to Zelf, you get access to all the basic banking operations, but very fast and simple. You can pre-order your Zelf card in 30 seconds and later on add it to Apple Pay or Google Pay. After that, you can: check your balance, send money, ask for money, scan QR codes of other zelfers to send them money, create invoices, ask for reports on transactions and many more. Later on we will add loans and savings accounts.
There are several ways to do that. 1️⃣ Send text or voice "Ask Elliot Alderson €10 for dinner" (name suggestions from phone contacts will be added soon). Zelf generates a link for you to forward to Elliot. If Elliot is a zelfer, he will receive a message in his Zelf chat and a messenger's notification. He opens the message and choose to pay directly to you. If Elliot doesn't have Zelf yet, you can forward him the link and he can pay with any banking card. 2️⃣ Create and save a reccuring invoice by saying or typing e.g. "Create €300 monthly fee for Social Media Management". 3️⃣ Just show your QR code to another zelfer if you are near.
If you are both on Zelf: just say or type e.g. "Send €10 to Elliot Alderson". Enter the PIN code received via SMS and confirm the transaction. If he is not in the know yet: send money by specifying card number, e.g. "Send 10€ to card XXXX XXXX XXXX XXXX". Confirm. Done.
You just need to press and hold the microphone button until you see your speech converted to text. Some common queries: "Send 18€ to mum." "Ask Jim 16€ for lunch" "Show my balance"
You can use (only contactless if you don't have a physical card) ATMs to withdraw money if you've gone through KYC (know your customer) procedure.
Yes! You can add Zelf card to your wallet and pay offline in any shop with merchant payment device allowing contactless payments.
No fees at all for Zelfers.
Zelf is available worldwide. However, for now, new accounts with full KYC can only be opened by French and Spanish residents.
Not yet. It is prohibited by European law, but we are planning to let your parents sign you up.
It's free. If you want to boost your savings account or expand the limits there will be Premium plan.
We have decided to make the process as painfree and smooth as possible: to open your account you do not need to provide any documents. Only when you need to withdraw or spend/receive more than 150 euros in 30 days we have to ask you for an ID and proof of address. It can be done within your Zelf chat in a couple of minutes.
Sure, you have one Zelf account that will be recognised in any messenger. So even if you delete the chat, it can be restored easily.
Drop us a line: Twitter - @zelfco Instagram - @zelf_co Facebook - @zelfco Discord - https://discord.gg/gV8s8ft
We send SMS code with unique PIN code to confirm each and every transaction. You can set limits to the size of transactions for additional security. To provide extreme safety we developed a dedicated vault app which allows to set up Touch or Face ID for transaction confirmation. Touch or Face ID are also required for changing your settings.
Zelf rewards you if you bring along your friends. Receive a link by clicking "👫 Invite" in the chatbot, send it to friends and when they join you will both earn a bonus. You can view all bonuses by clicking "👑 My Zelf" in the chatbot.
1. Join Zelf in any messenger here. 2. Follow the conversation until you get the "👫 Invite" button 3. Hit "👫 Invite" and get your referral link. 4. Copy the link and send it to friends! You are also welcome to post it in your Instagram stories or anywhere else. Your followers will join and bring you more cash 💰🤑💰
Just send the link! Also you can show your QR code from your phone screen.
Your imagination is the limit ;) No, really, if you're an influencer that will bring 1000 new Zelfers, you'll get €5000 boost in your bonus account right away. No strings attached. And if you want to collaborate with us further, slide into our DMs: Twitter - @zelfco Instagram - @zelf_co Facebook - @zelfco Discord - https://discord.gg/gV8s8ft
Sure. The fun thing is, each friend of a friend will bring you additional €1 bonus. 😱 DAMN.
First, get on board. Once you open the chat, Zelf will give you tips and unlock new opportunities to earn more. Also we'll drop new challenges for you to earn more in our community. Follow us in: Instagram: @zelf_co Twitter: @zelfco Facebook: @zelfco Discord: https://discord.gg/gV8s8ft
Once you get your Zelf card, you will be able to redeem all your stashed bonuses. All bonuses that you collected during referral program can be used to cover your purchases. See it as a "reverse cash back". Once you start using your account you can use your bonus balance to refund purchases. This is how it works. As soon as you receive your card your bonus balance in 👑 My Zelf menu will be shown in two lines: 🔁 €470 – Pending bonuses 💫 €180 – Spendable bonuses Pending bonuses show your maximum spendable potential (e.g. all friends invited by you became verified users and made their first transaction, more on that below). Spendable bonuses are available for you to refund your purchases right away. How to collect and redeem bonuses: Step 1: Once you pre-ordered the card and create Zelf account, you will see two lines in 👑 My Zelf menu: 🔁 €4 – Pending bonuses 💫 €1 – Spendable bonuses Step 2. After you receive your Zelf card spendable bonuses are at your disposal. However the maximum amount you can spend via your card and receive as cash back is €150 (unfortunately, these are the rules for unverified users from European regulator). Step 3. When you make your first top up and a minimal transaction of €5 (to buy a coffee with a muffin) using your brand new Zelf card, the ratio between two bonus types change again, meaning you'll get another €1 to your spendable bonus balance. 🔁 €3 – Pending bonuses 💫 €2 – Spendable bonuses Step 4. To transfer all resting bonuses from pending to spendable account you need to verify yourself. It's made very simple through the chat interface and takes minutes. After you complete the verification you unlock all the bonuses. Refer-a-friend bonuses work somewhat similar. After your friends receive your invite link they should open it and follow the instructions to get your card and create Zelf account. Once they do it, you'll get a notification that your friend has joined Zelf (to see the status of your invitees, check 👑 My Zelf menu in your Zelf account) Your bonus balance in 👑 My Zelf menu will change in the same ratio as you received your very first bonus: 🔁 +€4 – Pending bonuses 💫 +€1 – Spendable bonuses In order to redeem the rest of the bonuses collected from invites, your invitees should go through same steps as you (to top up their cards, make a minimal transaction and update their verification status). You must notice that the friends of your friends are also taken into account and can considerably add up to your bonus balance. When your friend's friend pre-orders the card, you'll receive €0,2 bonus on your spendable bonus account and €0,8 to pending bonus account. It's the same ratio as with your direct invitees. When friend's of your friends top up and transact min €5, you'll see another +€0,2 on your account. Verified friends of your friends bring €1 bonus to your spendable account.
To see your referral account balance hit "👑 My Zelf". The number of bonuses should match to the number of friends invited by you. If you collected drops in community or followed instructions in Zelf bot, it will be even greater.
Referral links should only be used for personal purposes. Users are prohibited from “spamming” anyone with referral invitations or using automated systems or bots through any channel to distribute the link. Zelf team has a right to disqualify you from the program if your account get suspected. Don't risk losing your bonuses through fraudulent actions which you would otherwise have earned through the program. Zelf has the right, at any time and in its sole discretion, and without prior notice, to terminate, cancel, suspend or modify the rules of referral program. Full Terms and Conditions can be found here.
Join us to stay up to date, chat and take part in giveaways 🎁: Instagram: @zelf_co Twitter: @zelfco Facebook: @zelfco Discord - https://discord.gg/gV8s8ft See ya 🤜🏻 🤛🏻