Zipad is a digital banking account for children and teenagers under 18, launched by Bank Pasargad. It allows parents to open accounts in their child's name with fully non-presence identity verification, issue a Z-Card (Zikart), set automated allowances and gift deposits, and includes financial literacy games and cash-prize contests to teach money management.
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Decision snapshot
What it is (company disclosed)
Zipad is the digital children and adolescent banking product of Bank Pasargad. The company's own site states that a parent can open a Bank Pasargad digital child account in the child's own name and receive a dedicated bank card, ZyCard, with every step of account opening and card issuance online and free of charge, and that the account belongs to Bank Pasargad and complies with the country's banking regulations.
Company site read 20 September 2026Company disclosed
Every field carries an explicit evidence state and its source. Self-reported figures are labelled as such; nothing is presented with more certainty than its source supports.
Business model & group
Parental controls and allowance mechanics (company disclosed)Company site read 20 September 2026Company disclosed
The company states that parents can review their child's ZyCard transactions and set a spending ceiling, that intra-family transfers inside the app carry no fee, and that pocket money can be paid to the child online and on an automatic schedule. It also publishes digital money boxes as a savings-teaching feature.
Zipad, home page, feature list ↗ · retrieved 2026-09-20The no-fee claim is about intra-family transfers inside the app and is the company's own. It is not a statement about the interbank fee schedule.
Credit extended against a minor's account (company disclosed)Company site read 20 September 2026Company disclosed
The company states that facilities are granted on the basis of the average balance held in the child's account, and that parents can take purchase-credit facilities under several schemes and have them loaded onto the child's ZyCard.
Zipad, home page, facilities section ↗ · retrieved 2026-09-20This is the part of the product that is not a children's savings app. Average-balance lending and purchase credit placed on a minor's card make the child account a deposit-gathering and credit channel for the bank, which is why the record belongs in fintech rather than in an education category.
Distribution channels (company disclosed)Company site read 20 September 2026Company disclosed
The download section publishes four channels: Cafe Bazaar, Google Play, Myket and a web version.
Zipad, home page, download section ↗ · retrieved 2026-09-20A Google Play listing alongside the two Iranian stores is worth noting: most Iranian bank channels in this registry publish to the domestic stores only.
Tracked entities in the same corporate family. Ownership percentages appear in Ownership & capital only when disclosed.
Source ledger, every field, its evidence
What it is (company disclosed)Company disclosedCompany site read 20 September 2026
Zipad is the digital children and adolescent banking product of Bank Pasargad. The company's own site states that a parent can open a Bank Pasargad digital child account in the child's own name and receive a dedicated bank card, ZyCard, with every step of account opening and card issuance online and free of charge, and that the account belongs to Bank Pasargad and complies with the country's banking regulations.
Parental controls and allowance mechanics (company disclosed)Company disclosedCompany site read 20 September 2026
The company states that parents can review their child's ZyCard transactions and set a spending ceiling, that intra-family transfers inside the app carry no fee, and that pocket money can be paid to the child online and on an automatic schedule. It also publishes digital money boxes as a savings-teaching feature.
Credit extended against a minor's account (company disclosed)Company disclosedCompany site read 20 September 2026
The company states that facilities are granted on the basis of the average balance held in the child's account, and that parents can take purchase-credit facilities under several schemes and have them loaded onto the child's ZyCard.
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Registered entity
Entity notesDiscovered via TechRasa Insight Iran FinTech 2025 (FY2024-25). Pending TI entity verification: operating entity, national ID, active status.
Fields on this profile derive from linked public sources or the official company registry; unknown values stay blank rather than guessed, and estimates are always labelled. How we verify →
Registry check on Zipad: legal entity, capital, board and managing director from the Official Gazette. USD 750, three working days. Full dossier with audited figures, competitors and risks: USD 3,000, five working days.
