What is Zogo and how does it work?
Zogo is a fun financial literacy app that pays people to learn. Created with Gen Z users in mind, the app was developed to teach teens and young adults more about finances, as financial education is often missing in schools.
Users work through a series of modules, each with a different financial topic like taxes, insurance, savings, and investments. The short and quick modules allow you to absorb bite-size chunks of information.
As you begin a learning module, the app will present you with flashcards to learn. Then, you'll answer trivia questions based on what you just read. When you answer questions correctly, you earn pineapples. These pineapples can later be redeemed for gift cards from popular retailers like Target, Nike, Amazon, Best Buy, GameStop, and Starbucks.
In addition to the quiz-style learning method, the app has a daily Pineapple Party. During these parties, you can answer more questions and earn more pineapples. Referring friends and family to the app is another way to earn pineapples.
Apps like Zogo can help you learn more about personal finance. Our detailed Zogo review will help you decide if this is the right financial literacy app for you.
Top perks
Get paid to learn
There are many apps out there that offer educational content, but most of those apps don't pay you to learn. Zogo pays you to learn about financial matters. It's a win-win because you can enjoy the rewards and use the knowledge that you gain to make smarter money decisions.
More than 800 modules and a wide range of topics
Zogo is full of fun learning opportunities. With over 800 modules full of educational content, people will learn plenty of new financial knowledge. The app features various financial topics, including insurance, retirement, taxes, savings, debt repayment, credit cards, and home buying.
Learning modules include real-world examples
The app's modules feature real-world examples, allowing people to connect with the financial topics they're learning. Some examples include showing the costs of a visit to the hospital with health insurance vs. without insurance, explaining the total cost of a loan with two different interest rate options, and showing how different car insurance deductible amounts will financially impact a driver who gets into an accident.
Many gift card options
As you work through the app's content, you can redeem pineapples for gift cards. Options include popular retailers like Best Buy, Target, Barnes & Noble, Starbucks, and GameStop. There's something for everyone.
Get rewarded for referring friends
Zogo will also reward you for referring your friends and family. For each user that signs up with your unique code, you'll earn 1,000 pineapples after they verify their email and complete at least three modules.
Zogo partners with more than 200 banks and credit unions in 50 states
If your financial institution is a partner, you can download their co-branded app version of Zogo. Banks and credit unions offer customized learning modules to teach users about their banking products and services. Using your financial institution's version of the app also allows you to cash out your pineapples for custom rewards, like cash deposits to your bank account.
What could be improved
Some financial topics may not interest all age groups
While this app is targeted toward Gen Z, not all content may interest users. For example, content focused on saving money, getting a job, and opening a bank account may interest high schoolers more. On the other hand, topics like getting a credit card, filing taxes, and starting investing may be more exciting and relatable to college students and young adults.
Custom rewards aren't available to all users
While Zogo's custom rewards can be fun and exciting, this feature isn't available to all users. Custom rewards are only available in co-branded apps, not the standalone Zogo app.
An example includes cash rewards direct deposit into a partnering bank's bank account. That means if your bank isn't a partner, you'll be limited to only earning gift cards -- or you'll need to open a new bank account with a partnering financial institution and use their version of the app to access these custom rewards.
