Get started

Download Zivo.

Free on the App Store for iPhone. Sign up with your phone number, look around with sample data, and activate membership when you're ready.

iPhone · United States. Android isn't available yet — email us to be notified.

  1. 01

    Install and sign up

    Mobile number plus an SMS code. Under a minute.

  2. 02

    Set your PIN

    Four digits so you can sign in fast — Face ID optional.

  3. 03

    See your numbers first

    Sample data and a guided tour. Nothing is charged.

  4. 04

    Activate Zivo when ready

    Identity check, plan, paycheck account. Approval takes 1–3 business days.

Questions before you install? Read the FAQ or email support@zivoneobank.com.

Zivo Home screen showing paycheck balance, the Zivo Advance card and this pay cycle

Start to finish

From signup to your first advance.

  1. 01

    Create your account

    Your mobile number and a quick SMS code. No credit check. No long forms.

  2. 02

    Profile and PIN

    Legal name, date of birth (18+), email, and state. Then a 4-digit PIN — Face ID optional.

  3. 03

    Explore Zivo Demo

    Land on Home with sample data. Try Advance, Insights, and budgeting before you commit.

  4. 04

    Activate Zivo

    Live selfie, driver's license, a card for membership billing, your plan, and your paycheck account via Plaid.

  5. 05

    Approval

    Typically 1–3 business days. Fast-track review brings that to about 1 business day.

  6. 06

    Your first Zivo Advance

    Confirm payroll, pick $25–$150, choose Standard or Instant, see the Access Fee, and confirm.