Want to earn some extra money to help with your bills? Then take a look at this ZipZero review to see why this is an app not to be missed.
It seems to me that there’s an ever-increasing amount of receipt scanning apps available. But that’s good news for us as it gives even more opportunities to earn.
Usually, you can earn cash or Amazon vouchers as your reward. But ZipZero is slightly different and instead, sends any money you earn towards a bill of your choice.
What is ZipZero?
ZipZero is owned by ZipZero Global Limited, a UK company based in London, established in January 2019.
Taken from their website:
We founded ZIPZERO because we wanted to find a way to help households get out of the rut of making ends meet.
What became all the more clear was that we wanted to find a way to help everyone else break free from the burden of monthly bills. For us, paying zero for our monthly bills is everything.
How does ZipZero work?
It’s all very simple. Download the app to your phone, either Apple or Android. Then, every time you purchase an item, take a photo of the receipt and you receive 1% of the total amount back into your ZipZero account.
ZipZero will accept receipts from any purchase made from a UK shop. The purchase does need to be made for personal reasons (ie not on behalf of a company) and made by you or a member of your household.
The money from your ZipZero account can then be put towards a utility bill of your choosing.
Unlike most receipt scanning apps, there are very few barriers when using ZipZero… except for online grocery shopping (see below). You can scan as many receipts as you like and from any shop.
You are limited to earnings of £50 per month, but I’m pretty sure most of us don’t spend £5000 in such a short period.
The app is very easy to use, and it usually takes a few seconds to scan a receipt.
Their customer service has been very good whenever I’ve had a question and I’ve never had to wait more than a few hours for a reply.
The main issue with this app comes from online grocery shopping. Previously, you could just take a photo of your receipt and earn your cashback. However, in April 2020 they changed this. To receive your cashback, you would need to book your shopping by clicking through the ZipZero app first.
This really is unnecessary and I have no idea why ZipZero has introduced it.
I have found that the app still won’t read all receipts and will read some incorrectly. I regularly shop at Greggs (only for salads…) and use a gift card. The balance always throws the Gener8 app and sometimes shows more, sometimes less.
This wouldn’t be a problem apart from ZipZero seems to correct the receipts that pay too much but leave the ones that pay too little.
The only other downside is that ZipZero cannot accept Tesco online receipts. However, they have told me they are working on it.
Adding payment accounts
Personally, I am not a fan of how you are paid though. The money you earn needs to be paid straight towards a utility bill. Utility bills include: electricity, gas, water, internet, phone bill and council tax.
But finding account details for some of these companies are far harder than it used to be. Long gone are the days when I received paper bills with all the account details.
I tried making a payment to my energy company. I am with Octopus Energy (click here for £50 when you join) but they do not provide any bank account details to pay directly. So I needed to email them to find their account and sort number. In fact, they weren’t overly helpful and just kept directing me to a page where I could enter my card details to make an overpayment. It took about four emails and quite some explaining before they gave me the details.
However, ZipZero only allows you to enter numbers when entering your account details. My Octopus account is a mixture of numbers and letters. That meant I needed to email ZipZero to manually add the details.
To be fair to them though, they added the details quite quickly.
ZipZero online cashback
Recently, ZipZero has introduced a ‘shopping’ option to its app. Simply find the store you want to shop at through the app, click on the link and shop as normal. You will then earn a % back into your ZipZero account.
As I said above, you have to click through the app if you want to receive cashback for your receipts from supermarkets.
For all other stores cashback rates aren’t as good as compared to some of the best cashback sites, so it’s not a feature I would use.
My ZipZero review conclusion
So, is joining ZipZero worthwhile? I understand partly why ZipZero has decided to go down the route of paying your utility bills directly. It’s always important to clear your bills before you spend elsewhere.
However, it does feel a little bit like they’re telling you what you can spend your money on.
But, that is a very minor downside. It’s an easy to use app that gives you 1% back on everything you buy that provides a receipt. You can’t say fairer than that! This is certainly my new favourite receipt scanning app and certainly worth signing up to.
If my ZipZero review has interested you, why not take a look at the best receipt scanning apps.
Update 20th April 2020
I have received an email from ZipZero explaining that they are temporarily changing their terms. In all honesty, this isn’t a massive surprise as many companies are struggling in the current climate.
ZipZero will not be taking on any new customers for the moment. They will also be reducing payments from 1% down to 0.5%. Finally, it will take 7 days for receipts to be validated, rather than 2.
How long this will last for… we will have to see.