MANILA, PHILIPPINES – February 11, 2026 – Zed announced the launch of its Android app. It opens access to the majority of its nearly 200,000-person waitlist. It also marks a major step in bringing a new kind of credit card to Filipinos across the country.
Zed was built in Silicon Valley and is licensed under the BSP. It creates financial products from the ground up for the next generation of young professionals. The result is a modern credit card experience. It fits how Filipinos actually live today: traveling, shopping online, and splitting expenses with friends. It also avoids the friction, hidden fees, and security risks that have long defined credit cards in the local market.
With Android now live, users can access Zed’s full digital credit stack. It includes unlimited virtual cards with real-time spending controls. It also offers zero foreign transaction fees with no FX markup, peer-to-peer payments on credit, and contactless payments through Google Pay. Zed was part of the first cohort of credit card issuers to go live on Google Pay in the Philippines last November.
“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. They have been waiting for a better credit experience.”
Solving a Real Security Problem with Virtual Cards
Card and payments fraud remains a persistent issue in the Philippines, especially for online transactions. Zed was built with this reality in mind.
Cardholders can create unlimited virtual cards for specific merchants or purposes. They can set individual spending limits. They can even configure cards to expire automatically after a single use or within 24 hours. This gives users far greater control, visibility, and protection when shopping online. As a result, it dramatically reduces the risk of fraud compared to traditional physical cards.
These virtual cards work seamlessly with Google Pay. Users can therefore pay securely in-store or online without exposing their main card details.
The Best Card for Travel—No Surprises, No Markups
Zed is the only credit card in the Philippines to offer both zero foreign transaction fees and zero markup on currency conversion rates. For travelers, this means spending abroad at the real exchange rate. There are no hidden costs or surprises on their statement.
Whether you are booking flights, shopping on international websites, or paying overseas, Zed aims to be the most cost-effective way to use credit outside the Philippines.
KKB, Now on Credit
Zed also rethinks how Filipinos split expenses. Cardholders can pay each other directly on Zed. They charge the amount to their credit line and settle it at the end of the billing cycle. This makes common use cases simple and flexible. Examples include splitting a restaurant bill or group expenses.
Friends who don’t yet have a Zed card can still repay easily. They can use InstaPay QR payments directly into the cardholder’s account.
Flexible Installments, Fully In-App
In addition to its core credit features, Zed is introducing Installments. Cardholders can convert large purchases directly in the app at a flat 1% rate per month. Traditional bank or buy-now-pay-later installment programs often rely on merchant partnerships or unclear pricing structures. In contrast, Zed’s solution is fully digital and available in-app. It needs no additional paperwork or friction.
Zed Installments offer full transparency upfront. There are no hidden fees and no early repayment penalties. Cardholders can pay off early without being penalized.
Built for a Digital Generation
Zed’s Android launch reflects its broader mission. It wants to build transparent, secure, and human-first financial products for a generation that traditional financial institutions have long underserved. By combining world-class software with features tailored to Filipino lifestyles, Zed aims to set a new standard for credit cards in the Philippines.
Invitations will begin rolling out immediately to Zed’s waitlist. Download the Zed app to sign up and get your invitation to apply.
For media inquiries, please contact us at:
zed@preciouscomms.com
