Zero successfully raised £757,000 via Crowdcube

We’re delighted to share that Zero has successfully raised £757,000 of equity funding of which £285K came via a crowdfunding campaign on Crowdcube. This exceeded our initial target and gives us the funds to accelerate our growth plans.  

This round reflects the strong belief our community of investors has in building a sustainable alternative to banking. With over 670 investors joining us in the latest funding round, we’re now even better positioned to scale our vision: Make money a force for the good of the planet.  

 The funding round will remain open for additional angel investors for another few weeks whilst we go through the formalities of closing the current round with Crowdcube. Please do get in touch if you are interested in investing £10,000 or more in Zero, 

Building on strong funding foundations 

This crowdfunding success follows on from previous backing, including: 

• Incorporation Capital from the founders 
• A pre-seed round of £1.025M in September 2023
• A seed round of £1.48M in March 2025
• Cash contributions from Mastercard 

In total, Zero has now raised more than £3.9 million in funding to date. 

Our latest round closed at a pre-money valuation of £12 million (undiluted) with many investors also benefitting from 30% EIS source tax relief.

Why this matters 

Climate change is one of the defining challenges of our time, and traditional banks continue to fund industries that accelerate the problem. At Zero, we’re designed differently. From our GreenScore® feature to our B Corp certification, everything we do is rooted in creating a financial system that supports people and the planet.

Business model & growth 

Zero provides a free personal account with virtual and contactless payment options, alongside an optional physical card to join and includes a digital debit card. We’re also passionate about our customers benefiting from our success, so customers will receive 20% of the future value of the business through community share options granted to every customer when signing up and more available for introducing new customers.
 
Following an initial launch to friends and family in December 2024 we launched to the wider public in January 2025, and we’ve now attracted 15,000+users, highlighting the demand for climate-conscious financial alternatives. With 11.36 million UK adults under 35 worried about climate change, the opportunity is vast.

We’ve got ambitious plans to grow and while we’ve already got a number of revenue streams, we plan to add exciting new revenue generating features at pace.

We will be launching our Planet Saver instant access savings account in October 2025 and thereafter we’re considering a range of features including:

• ESG investments & pensions
• Premium subscriptions
• Green mortgages
• A Green Credit Card 

 What’s next 

The new funds will power: 

• Team expansion – bringing in more talent to accelerate growth. 
• Product development – enhancing the Zero app with new features.
• Marketing & partnerships – building awareness and scaling our impact. 

A huge thank you to everyone who invested, shared, and supported us throughout this journey. Together, we’re proving that money can be a force for good. 

👉 To stay up to date with our progress, follow our journey at zero.co.uk/blog.