After months of anticipation, Zed has officially launched its Android app, unlocking access for nearly 200,000 Filipinos on its waitlist. The rollout marks a major milestone for the Silicon Valley-built, BSP-licensed fintech as it scales its modern credit card experience to a much wider audience.
For Android users, this means access to a fully digital credit stack designed around real Filipino spending habits. Think unlimited virtual cards, zero foreign transaction fees with no currency markup, seamless bill-splitting on credit, and contactless payments via Google Pay.
A Credit Card Built for How Filipinos Actually Spend
Traditional credit cards in the Philippines often come with friction. Hidden fees, unclear foreign exchange markups, limited security controls, and complicated installment processes have long been common pain points.
Zed aims to flip that model.
Co-Founder Danielle Cojuangco Abraham shared that Android unlocks scale for the company, allowing it to bring features like unlimited virtual cards, zero FX fees, and seamless peer-to-peer payments to more Filipinos who have been waiting for a better credit experience.
With Android now live, users can manage their card entirely in-app, from creating virtual cards to converting purchases into installments.
Unlimited Virtual Cards for Better Online Security
Online fraud remains a concern for many Filipino shoppers. Zed addresses this by allowing cardholders to generate unlimited virtual cards for specific merchants or purposes.
Each virtual card can have:
- Custom spending limits
- Automatic expiration after a single use or within 24 hours
- Real-time controls
This added layer of control significantly reduces fraud risk compared to traditional physical cards. Users can shop online or pay in-store through Google Pay without exposing their main card details.
For frequent online shoppers, this feature alone can change how safely they transact.
Zero Foreign Transaction Fees with No FX Markup
For travelers and digital consumers who regularly shop on international websites, foreign transaction fees can quietly add up.
Zed stands out as the only credit card in the Philippines offering both zero foreign transaction fees and zero markup on currency conversion rates. This means purchases abroad are charged at the real exchange rate, without hidden costs appearing later on billing statements.
Whether booking flights, paying for overseas subscriptions, or shopping from global brands, users can avoid the typical extra charges tied to foreign spending.
Splitting Bills on Credit, Made Simple
Zed also reimagines how Filipinos handle shared expenses. Cardholders can send peer-to-peer payments directly through Zed, charging the amount to their credit line and settling it at the end of the billing cycle.
This makes everyday scenarios like splitting restaurant bills, travel expenses, or group gifts more flexible.
For friends who do not yet have Zed, repayments can be made through InstaPay QR payments directly to the cardholder’s account.
Installments at a Flat 1 Percent Per Month
Zed is also introducing Installments, allowing users to convert large purchases directly within the app at a flat 1 percent rate per month.
Unlike traditional installment programs that require merchant tie-ups or additional paperwork, Zed’s solution is fully digital and transparent. There are no hidden fees and no penalties for early repayment. Cardholders can pay off balances ahead of schedule without being charged extra.
It is installment financing without the usual confusion.
Designed for a Digital-First Generation
Built in Silicon Valley and licensed under the Bangko Sentral ng Pilipinas, Zed positions itself as a credit card built from the ground up for young professionals. Its Android launch signals a broader mission to create secure, transparent, and user-centric financial products tailored to Filipino lifestyles.
Invitations to apply will begin rolling out to those on the waitlist immediately. Android users can now download the Zed app and sign up to receive their invitation.
If you have been waiting for a credit card experience with fewer surprises and more control, this could be the one to watch.