Money app to build and grow emergency funds

Take a look at your savings.
If you don't have a $10K emergency fund, join Zane.
Sign me up
Early access. No spam.
financial app with debit credit cards emergency funds canada

Money app to build and grow emergency funds

Take a look at your savings. If you don't have a $10K emergency fund, join Zane.
Sign me up
Early access. No spam.
financial app with debit credit cards emergency funds canada

They profit. You lose.

Banks profit when you borrow, so they push you into debt.
Neobanks profit when you spend, so they push you to spend more.
‍
​​Zane does the opposite. It finds your overspending, builds a plan to cut it, and runs it for you.
‍
An extra $300–$600 in savings every month, resulting in a $10K emergency fund in two years.

You keep more. You win.

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Step 1

Open your free Zane account in under a minute

Your Zane account gives you access to the tools that help you keep hundreds more each month and grow your savings.
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Download the app

Available on the App Store and Google Play.

Verify your identity

Snap your government ID and a selfie. That's it.
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debit credit card image

You're in

Get your account and virtual card instantly. Order a physical card, transfer funds, or access 36,000+ ATMs.
Step 2

Get the power of MoneyNetTM

MoneyNetTM, Zane’s proprietary AI-powered personal finance management platform, is what helps you keep hundreds more each month. It creates and manages your budget, automates payments, and keeps track of all your money.

All-in-one money view

All your banks, accounts, cards, balances, and transactions in one app.

It's much easier to see and manage all your money in one place. This gives MoneyNetTM a complete picture of your finances, helping it keep hundreds more in your pocket each month.
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Your personalized budgeting

Know exactly how much you'll earn, spend, and save next month before it happens.

MoneyNetTM automatically forecasts every payment and purchase, down to each transaction, helping you plan ahead, avoid unnecessary spending, and save hundreds of dollars extra every month without sacrificing your lifestyle.
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A card that executes your budget

Zane Smart Card automatically adjusts your daily spending limit based on your budget, daily planned purchases, and upcoming bills.

It can also handle planned payments, helping you reduce impulsive spending, stay on track, and cut unnecessary spending by extra hundreds of dollars each month.
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Daily checkups for your money

Every day, MoneyNetTM compares your plan to your actual spending across all your banks, accounts, and cards, then alerts you to potential problems and recommends ways to stay on track.

This helps you avoid costly mistakes and improve your monthly cash flow by hundreds of dollars.
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Your credit score improvement

Zane's MoneyNetTM creates your personalized budget, helps you follow it, and then reports your perfect financial track record to credit bureaus.

That helps improve your credit score without credit cards, loans, or debt.
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A financial advisor that knows you, in your pocket

A friend. Google. ChatGPT. No one knows your full financial picture.

Zane does. By combining the world's financial expertise with your unique situation, it gives you personalized recommendations that help you spot opportunities, avoid mistakes, and make smarter financial decisions, all while keeping your identity private.
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Oh... and one more thing

Save on groceries, too

Zane keeps more money in your pocket beyond financial services. 

Food is one of the biggest household expenses, and over 30% typically gets thrown away.

Zane creates personalized meal plans with precise weekly grocery lists that include quantities and prices, so you buy only what you need. Easy, healthy, low-cost meals that save you additionally $200 to $400 and ~40 hours a month.
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Save an extra $4K–$7K a year without changing your lifestyle

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Today, you're covered.
Tomorrow, you're financially free.

Step 3

Build long-term wealth

Saving extra money is good. Growing it is what makes you wealthier.
Zane helps you invest extra savings in diversified funds from the world’s largest firms like BlackRock and Vanguard, which have historically returned 10%–15% annually. With compounding, $500 a month could grow to a million by your 50s if you start early.
Zane helps you turn extra savings into long-term wealth, without relying on banks, brokers, or other expensive financial advisors
Coming soon
Rolling out to early users first.
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Security, by design

Your money is protected. Your data is private. We do not know who you are.

Your money

Your funds are held with regulated financial partners and protected using bank-level security, encryption, and standard industry safeguards.

Your account

We use advanced protection systems, continuous monitoring, and strict access controls to keep your account safe from fraud and unauthorized activity.

Your data

Your personal data is never sold, shared, or used for advertising. Not now. Not ever. We separate your identity from data, so even our systems and AI work with anonymized information, not your identity. Sensitive data (PII) is encrypted and protected using strict security standards, including SOC 2 and ISO 27001.

Zane pays for itself, many times over

Zane keeps an extra $300-$600 in your pocket every month. Plans start at less than the price of a streaming service.*

Essential

Free

Your Smart Card, your account, your wallet, transfers, payments, and 36,000+ ATMs. Plus the personal financial advisor that makes Zane different.

Free, forever.

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Advanced

$15CAD/month

Everything in Essential, plus full MoneyNet™: automated budgeting, planned payments, daily tracking, personalized meal planning, and credit-score building. The full backup system.

You keep $285-$585 more, every month.

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Coming soon

Ultra**

$35CAD/month

Everything in Advanced, plus the High-Interest Super-Account, Smart Investments, and the long-term wealth engine.

‍Builds you an extra million by your 50s if you start early.

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*We charge a small monthly fee to keep Zane running smoothly, constantly improving the product, and providing real human support. In return, Zane helps you save far more than it costs. If Zane doesn't save you more than it costs in your first two months, we'll refund every penny.” as we had that before, and then it was missing.
**Coming soon. This feature will be available to a limited number of early users. Join the waitlist.

Frequently asked questions

When can I join Zane?
What other financial features does Zane offer?
Is my money safe?
What steps does Zane take to protect my personal information?
Does Zane offer a referral program?

We've got you

Zane. Backup for your money.

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Terms & conditions

©2026 Zane Inc., a PreAxia-Zane Financial company. All rights reserved. Get in touch at talk2zane@zanemoney.com

Zane Inc. is a financial technology company that brings a mobile application, Zane, to the US and Canada in 2026. Zane Inc. operates under the licenses of chartered banks.

DISCLAIMER

Zane Inc.’s statements regarding its plans, directions, and intent in connection with the US and Canada are subject to local laws, regulations, and obtaining the necessary regulatory approvals and authorizations. Information on this website is subject to change or withdrawal without notice at Zane Inc.’s sole discretion. Information on this website is intended to outline our general product direction and should not be relied on in making a purchasing decision. This information is not an offer, commitment, promise, or legal obligation to deliver any material, code, or functionality. Information about potential future products in the US and Canada may not be incorporated into any future contract. The development, release, and timing of any release in the US and Canada remain at the sole discretion of Zane Inc.