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Immigrants coming to the United States may find it difficult to integrate their finances into the American system based on credit scores and Social Security numbers. These are just some of the obstacles facing fintech companies. Zorbe trying to help
The company is creating a stress-free and easy path into the US banking system.Specifically, the platform is working to create a smooth transition between India and the US
Let’s explore how Zolve offers streamlined pathways. In addition, whether the platform is suitable for the situation.
![Screenshot from March 9, 2023 at 8:17:34 AM Zorb Credit Builder](https://cdn.thecollegeinvestor.com/wp-content/uploads/2023/03/Screenshot-2023-03-09-at-8.17.34-AM.png)
- Zolve is a platform that works to facilitate financial transitions between India and the US
- You can open a US bank account without having a social security number.
- Build credit with a free Azpire credit card.
Solve Azpire Card Solve credit card Solve Account solb remittance Solveboost account scholarship |
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Zolve credit card monthly fee |
$11.99 per month $119.99 per year |
What is Zorbe?
Zolve is a fintech company that provides cross-border financial solutions for global citizens. If you need to build your financial base in multiple countries, the platform makes migration easy.
Zolve currently offers services in the United States and India. However, the company has plans to expand into other markets.
what does it offer?
Zolve is a relatively unique opportunity for global citizens looking to build an economic footprint in India and the United States. What you get through the company is:
Must apply for Azpire credit card
Through Zolve, you can apply for an Azpire credit card using either your Social Security Number, Individual Taxpayer Identification Number (ITIN), or passport. Approval can be obtained without a credit check.
Unlike traditional unsecured credit cards, your spending limit is initially tied to your Zolve bank account balance. The website claims no security deposit is required, but a bank account balance is tied to the card. After opening your Azpire card, you can add money to your bank account.
Here’s how it works:
- With the Azpire card, Zolve reports your credit usage to three major credit bureaus.
- You can’t spend more than your bank account balance, so you don’t have to worry about getting into high-interest debt.
- However, in contrast to debit cards, using them creates a credit.
Using your card responsibly may result in your account being upgraded to an unsecured credit card. According to Zolve, you can get credit limits up to $10,000 in just four months. Please note that the upgraded credit card will incur interest and other fees.
Along the way, you can take advantage of cashback opportunities. Get up to 10% cash back at over 9,000 retailers with this card.
![Screenshot 2023-03-09 8.17.46 AM Zolve Review: Building Trust](https://cdn.thecollegeinvestor.com/wp-content/uploads/2023/03/Screenshot-2023-03-09-at-8.17.46-AM.png)
get a bank account Before you reach the US
Arriving in the United States requires more than an opportunity to build credit. Additionally, a traditional checking account can help. Zolve allows you to apply for a US bank account before you leave your home country.
There are no minimum balance requirements or prepaid account fees. Plus, you don’t need a social security number to get started. After opening an account, you can enter the United States with a bank account that does not require you to carry large amounts of cash.
Through this bank account, you can connect other payment options such as Apple Pay, Google Pay, and Venmo. If you plan to receive direct deposits, this account can accept funds seamlessly. Additionally, there are payment alerts and automatic payment options to help you build your financial foundation on track.
A Zolve Boost account is a step up from a basic bank account. Earn a 2% annual boost rate to increase your savings.
![Screenshot March 9, 2023 8.18.29 am Zolve Levi: Pre-approval process](https://cdn.thecollegeinvestor.com/wp-content/uploads/2023/03/Screenshot-2023-03-09-at-8.18.29-AM.png)
International money transfer
Transferring funds between India and the US can quickly become expensive. If you have bank accounts in both countries, it’s important to find ways to minimize costs. With the help of Wise, Zolve offers a relatively low-cost way to send and receive funds.
After you send the funds, you will see a full breakdown of the costs. at this point Zolve Offers Relatively Low-Cost Transfer OpportunitiesHowever, we recommend going through all the options to find the most affordable option.
Are there any fees?
The Zolve Azpire credit card has no annual fee.
However, the Zolve credit card has a monthly fee of $11.99, or $119.99 if billed annually. You can avoid fees by spending $18,000 or more on the card each year.
The cost of sending money between the US and India varies. But for now, Zolve offers an affordable alternative. If you choose wire transfer, it will cost $15 to receive the funds into your US account. However, there is also the option to transfer through Wise, which is more affordable.
How can I contact Zolve?
Zolve offers 24/7 chat support. You can also send an email to hello@zolve.com for assistance. However, the company’s phone number is not listed.
Overall, customers tend to be happy with their Zolve experience. The company has 4.1 out of 5 stars on Trustpilot, 4.2 out of 5 stars on the Google Play Store, and 4.4 out of 5 stars on the Apple App Store.
![Screenshot March 9, 2023 8.18.12 AM Zorb Review: Azpire](https://cdn.thecollegeinvestor.com/wp-content/uploads/2023/03/Screenshot-2023-03-09-at-8.18.12-AM.png)
How does Zolve compare?
Zolve is a relatively unique option. Its focus on helping people build their financial footprint in both India and the US is a key feature for many users.
For student loans, Zolve can help you find a lender. However, we do not offer student loans directly to our customers.If you’re an international student, these are two student loan lenders that work with you—Prodigy Finance, Ascent, and MPower Financing.
How do I open an account?
The process begins by visiting the Zolve website. From there,[開始する]Choose. Be prepared to provide your email address and add your password. Additionally, you will need to upload your passport and visa as proof of identity.
The whole process will take a few minutes. Having your ID ready can streamline the process.
Is it safe and secure?
Zolve accounts are covered by FDIC insurance up to $250,000. Additionally, the platform uses 256-bit encryption to protect your information.
When using credit cards, Mastercard includes zero liability protection against fraud. If you are unsure of your card’s security, you can freeze it at any time.
Is it worth it?
Zolve presents a valuable opportunity for certain customers. If you live in India or immigrate to the US, you can start building your US financial base. Taking this big step, the platform makes the transition much more streamlined.
Characteristics of Solve
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Zolve credit card monthly fee |
$11.99 per month $119.99 per year |
Countries where Zolve currently operates |
United States and India (more to come) |
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