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For the self-employed

Work-life balancefor your money.

One account and one card for business and personal use.Every transaction sorted as business or personal.Next month, mapped day by day, transaction by transaction.

Free to join. No commitment.

The Zlatian card makes purchases that are sorted automatically into business and personal balances on the Zlatian app, with taxes set aside and tomorrow's payments planned.

You work hard. Money comes in.But more goes out than it should.

Overspending on both sides, fees you didn't see coming, deductions you missed, taxes nobody set aside. Small gaps that can add up to hundreds every month.

Moving money back and forth.

It's never in the right account when I need it.”
Without Zlatian
Business→Personal$700.00
Looks fine
Client payments received
Business
+$750.00
Moved $700.00 to Personal
Business → Personal
$700.00
Car insurance
Personal
$240.00
Phone bill
Personal
$120.00
Gas
Personal
$70.00
Groceries
Personal
$63.00
Business insurance due
Business
$67.00
Supplies needed
Business
$300.00
Moved $207.00 back to Business
Personal → Business
$207.00
Paid business insurance
Business
$67.00
Card declined

Supplies $300.00

Not enough funds: short $110.00

The phone bill had a 20-day grace period: $120 could have waited.

Two transfers could have been none.

About $150 of that $750 was owed in taxes. Nothing was set aside.

Your balances show the past, not the future.

I honestly don't know what's coming out next.”
Without Zlatian
Balance$1,980.00Today · Oct 5
$0 Sep 28Oct 5Oct 9Oct 12Oct 15Oct 18Oct 25
Rent $1,450.00$530.00
Car payment $380.00$150.00
Phone bill $120.00$30.00
Tax installment $300.00−$270.00

Oct 18: −$270.00 · You'd find out that day.

Plans are made once. Spending happens every day.

I made a plan. I just never checked it again.”
Without Zlatian
October planLast opened 12 days ago

Groceries$400

Eating out$150

Gas$200

Supplies$500

Bills$1,150

Total$2,400

Not in the plan

Overdraft fee$48

Eating out, over plan$136

Tax installment penalty$85

Late fee$29

Actual spending$0

Day 0 of 30

Planned$2,400
Actual

On track

5122030

Zlatian brings the two sides together.Maps what comes next. Checks every day against the plan.

One account. One card.No transfers between business and personal.

One account and one card for both your business and your life. Every transaction is sorted as business or personal and categorized for you. Not sure which it is? Zlatian asks.

9:41
M

This week

Business

In +$750.00Out $67.00

Personal

Out $493.00

Set aside for taxes ~$150.00

Client payments
Business
Income · Taxable · ~$150 set aside for taxes
+$750.00
Car insurance
Personal
$240.00
Phone bill
Personal
$120.00
Gas
Personal
$70.00
Groceries
Personal
$63.00
Business insurance
Business
$67.00

Transfers between business and personal: 0

Home
Plan
Card
Profile

See your month, down to every transaction.

Zlatian plans your business and personal income and spending a month ahead, day by day and transaction by transaction. Connect your other banks, accounts, and credit cards, and they're all in the plan. So you can see what's coming, and what you can spend, before you spend it.

9:41
M

October plan

Available, all accounts

$1,980.00Today · Oct 5

Set aside for taxes $300.00

ZlatianChequing ••4821Credit card ••1180
Oct 5912141518

Coming up

Rent

Personal · Chequing ••4821
$1,450.00

Car payment

Personal · Zlatian
$380.00

Client payment expected

Business · Zlatian
+$600.00

Phone bill

Personal · Credit card ••1180
$120.00

Tax installment

Business · From tax set-aside
$300.00

Lowest point: $150.00 on Oct 12 · You can see it today.

Home
Plan
Card
Profile

Know before it happens.

Zlatian tracks what actually happens, in Zlatian and your connected accounts, against your plan. Every day, you see where you stand and what to do next to stay on plan, so small gaps don't add up to hundreds every month.

Behind the scenes, MoneyBrain tracks every dollar against your plan.

9:41
M

October

Actual spending Day 11 of 30

$920
Planned$2,400
ActualOn plan
+$48 kept

Heads-up: your balance may run short tomorrow. Your phone bill isn't due until Oct 25. Paying it then avoids a $48 overdraft fee.

+$136 kept

Eating out has reached your $150 plan for October. Skipping takeout for the rest of the month keeps you on plan.

+$85 kept

Your $300 tax installment is due Oct 18. It's covered by your tax set-aside.

+$29 kept

Car insurance of $240 is due tomorrow. You're covered.

Kept this month

$48
Home
Plan
Card
Profile
9:41
M

This week

Business

In +$750.00Out $67.00

Personal

Out $493.00

Set aside for taxes ~$150.00

Client payments
Business
Income · Taxable · ~$150 set aside for taxes
+$750.00
Car insurance
Personal
$240.00
Phone bill
Personal
$120.00
Gas
Personal
$70.00
Groceries
Personal
$63.00
Business insurance
Business
$67.00

Transfers between business and personal: 0

Home
Plan
Card
Profile

MoneyBrain: dozens of AI agents.Working on your money around the clock.

No instructions needed. MoneyBrain's agents build your month-ahead plans for business cash flow and personal income and spending, sort every transaction, set aside taxes and handle much more, automatically.

MoneyBrain

Sorting
Receipts
Planning
Taxes
Deductions
Cash flow
Bills
Fraud watch
+ dozens more
Planning

Today's plan is ready. $120 to spend.

111tasks handled today
1question for you
~10 secof your time

Tax time, done every day.Every transaction calculated the moment it happens.

Zlatian works out the tax on every transaction the day it happens and matches every receipt. When tax season comes, your reports are already done.

Without Zlatian
With Zlatian
Today
Client payment +$1,250.00 → ~$250 set aside
Zlatian
2026 Tax summaryUpdated today
Business income
$64,820
Potential deductions
$11,940
Taxes set aside
~$12,960
Receipts matched
412 of 412
  • Income and expensesReady
  • Potential deductionsReady
  • Tax set-aside summaryReady
  • Statements and receiptsReady
Tax summary 2026.pdfReady

That alone can save you hundreds, even thousands, a year.

More than an account.Tools that do the work for you.

New phone, $1,200?
Not yet. That takes $1,080 from next week's rent set-aside. Fine after the 20th, when your client pays.

MoneyBrain, unprompted

You're $340 under plan this month. Move it to your tax set-aside?

MoneyBrain Chat

Ask anything about money. It knows your finances and how money works, answers for you specifically, and speaks up first when it spots a way to help.

Invoice 0234

Kitchen deep clean

$450.00

Due Oct 21

Job done: invoice drafted
Reminder set for Oct 20

Invoices, ready when the job is done

Finish a job and your invoice is waiting. Review it, tap Send, and Zlatian requests the payment and reminds your client, and you, if it's late.

Phone bill
Car insurance
Rent$1,450.00

Scheduled Oct 9

Paid on plan

Bills paid on plan

Every bill scheduled for the day your plan says. Nothing late, nothing early.

Zlatian debit card
Today's limit $250

A card that knows your plan

A daily limit set from your plan, changeable in a tap.

All your accounts, one plan

Connect your banks, cards and savings, and your plan sees everything.

Built for the way you earn.Whatever your work, one account for both sides.

House cleaner at a kitchen counter with cleaning supplies.

House cleaner

Cleaning supplies $64.20

BusinessPotentially deductible

13 homes this week. 284 miles driving.

She buys supplies and groceries on the same trip and gets paid by e-transfer from every client. Sorting it all used to wait until tax time.

With Zlatian

  • Next month planned: income and spending, day by day.
  • Invoices created automatically, with reminders sent to every client.
0unplanned overspending
$87.19potential deductions this week
$292.50set aside for taxes
01

Download the app

iOS and Android.

9:41Wednesday, October 7
Zlatian
02

Verify your identity

Your government ID and a selfie. That's it.

9:41
Zlatian

STEP 2 OF 3

Verify it's you.

Your government ID and a selfie. That's it.

Centre your face in the oval

CHECKING YOUR ID
03

You're in

Your account and virtual card are ready. Order the physical card with a tap.

9:41
Zlatian

You're in.

Your virtual card is ready to use now.

Zlatian
Debit
VISA

Virtual card active

Visa debit

Pay online and in store, anywhere Visa is accepted.

Daily limit

Set from your plan, changeable in a tap.

Get paid

Clients pay straight into your account.

36K ATMs

Cash when you need it.

Serious about your money.Serious about your privacy.

Your money is protected, your data is yours, and we built it that way from day one.

Gold shield

Your money

Held with regulated financial partners and protected with strong encryption and industry-standard safeguards.

Gold fingerprint

Your account

Continuous monitoring, fraud protection, and strict access controls help keep your account safe from unauthorized activity.

Gold privacy toggles

Your data

We never sell your data or use it for advertising. You stay in control of what's shared.

A money platform built to protect you, not to profit from you.

Questions

Work-life balancefor your money.Starts here.

Free to join. No commitment.

Zlatian debit card