Android rollout brings unlimited virtual cards, zero FX fees with no currency markup, Google Pay, and seamless bill-splitting on credit to Filipino cardholders.
Zed has officially launched its Android app, opening the doors to the majority of its nearly 200,000-strong waitlist and accelerating its mission to redefine what a credit card can be for Filipinos.
Built in Silicon Valley and licensed by the Bangko Sentral ng Pilipinas (BSP), Zed was designed from the ground up for the realities of modern Filipino life — from booking flights and shopping cross-border to splitting dinner bills with friends. With its Android rollout, the company moves from early adopter buzz to mass accessibility, bringing its full digital credit stack to the country’s largest mobile user base.
“Android unlocks scale for us,” said Danielle Cojuangco Abraham, Co-Founder of Zed. “We’re now able to bring features like unlimited virtual cards, zero FX fees, and seamless peer-to-peer payments to far more Filipinos who have been waiting for a better credit experience.”
A security-first approach in a fraud-prone market
Card and payments fraud continues to challenge consumers, particularly in online transactions. Zed addresses this head-on with unlimited virtual cards that users can generate instantly for specific merchants or use cases.
Each virtual card comes with customizable controls — individual spending limits, single-use options, or auto-expiry within 24 hours. This granular control significantly reduces exposure compared to traditional physical cards, giving users full visibility over where and how their credit is used.
These virtual cards also integrate seamlessly with Google Pay, allowing secure in-store and online payments without ever exposing a primary card number.
Travel without the hidden costs
Zed positions itself as the only credit card in the Philippines offering both zero foreign transaction fees and zero markup on currency conversion rates. For frequent travelers and digital shoppers, that means transactions are processed at the real exchange rate — without the typical hidden spreads that quietly inflate costs.
Whether paying for overseas subscriptions, booking flights, or shopping on international platforms, users can transact globally without worrying about surprise charges appearing on their billing statement.
Reinventing KKB — this time on credit
Splitting expenses is part of everyday Filipino life. Zed modernizes this social ritual by allowing users to send peer-to-peer payments directly on credit. Cardholders can charge shared expenses to their credit line and settle at the end of the billing cycle — eliminating the need for awkward follow-ups or instant transfers.
For friends who don’t yet have a Zed card, repayments can be made through InstaPay QR directly into the cardholder’s account, ensuring flexibility even outside the ecosystem.
Installments, minus the friction
Zed is also introducing fully in-app Installments, enabling users to convert large purchases at a flat 1% rate per month. Unlike traditional bank installment programs or buy-now-pay-later schemes that rely on merchant tie-ups or complex pricing structures, Zed’s version is entirely digital and transparent.
There are no hidden charges, no paperwork, and no penalties for early repayment — a notable departure from legacy financial products that often embed costs in fine print.
A credit card designed for the digital generation
The Android launch marks more than a platform expansion. It reflects Zed’s broader ambition: to build transparent, secure, and human-centered financial tools for a generation that has grown up online but has long been underserved by traditional banking institutions.
By combining global software standards with features tailored to Filipino spending habits, Zed aims to set a new benchmark for credit cards in the Philippines.
Invitations to apply will begin rolling out immediately to those on the waitlist. Users can download the Zed app and sign up to receive their invitation.
For media inquiries:
zed@preciouscomms.com