Zengo Wallet Review 2025: Best Crypto Trading App for Beginners?

In a world where crypto wallets often feel like they’re built for tech geeks, Zengo Wallet is turning heads for being refreshingly simple, incredibly secure, and surprisingly beginner-friendly.

But is it really the best crypto trading app for beginners in 2025?

We took a deep dive into Zengo’s latest features, APY rewards, fee structure, and overall safety to give you an honest, real-world review—no fluff, no paid promos. Let’s find out if Zengo is the right wallet for you.

What is Zengo Wallet?

Zengo is a non-custodial crypto wallet with a twist: it’s keyless. That means you don’t need to worry about writing down a seed phrase or storing private keys in 17 different places.

Using advanced MPC (Multi-Party Computation) tech, Zengo splits your wallet’s cryptographic key into two parts—one stored on your phone, the other on their secure servers. No single point of failure. And the setup? As easy as logging in with FaceID.

You can:

• Buy, trade, and store crypto
• Earn passive income via staking or savings
• Connect with Web3 dApps using WalletConnect
• Recover your wallet if your phone is lost or stolen

It’s available on iOS, Android, and as of 2025, also works with Chrome and Brave browser extensions.

Official Website – Zengo Wallet

Is Zengo Beginner-Friendly?

Short answer? Absolutely.

Zengo was clearly built with beginners in mind. When you first open the app, you’re greeted with a clean, clutter-free interface. No scary charts. No trading jargon. Just simple buttons for “Buy,” “Sell,” “Earn,” and “Swap.”

Here’s why new users love it:

• No seed phrases: You set up your wallet with biometric authentication—FaceID or fingerprint.
• One-minute onboarding: No KYC is required just to create a wallet (though it’s needed for buying crypto).
• Guided steps: Each function comes with a short in-app guide, from buying your first BTC to earning yield on stablecoins.

Real-world example:
Anita, 26, from Mumbai shared: “I always avoided crypto because I was scared of losing my seed phrase. With Zengo, I just use FaceID, and I’m good to go.”

Earning APY on Zengo: Is It Worth It?

Zengo lets you earn passive income on popular crypto assets like ETH, BTC, and USDC through its “Earn” section. In 2025, the rates look like this:

There are no lock-in periods on stablecoins like USDC, making it great for short-term savers.

However, these APYs may not match some DeFi platforms or exchanges like Kraken or Binance. But for casual holders who value safety, Zengo offers a great balance of returns and risk protection.

Pro Tip: Want a predictable yield? Stick to USDC savings, which offer daily rewards and easy withdrawal.

Want To See Best Apy Exchanges In 2025?, Check Our Guide – Best APY Crypto Staking Exchanges in 2025: Where to Earn the Highest Rewards

Fees Breakdown: Transparent, but Not the Cheapest

Zengo doesn’t hide its fees, which is a huge plus. But here’s the breakdown:

• Trading Fees: ~0.75% per swap
• Buy Crypto (via MoonPay or Banxa): ~2.5%–3.5% depending on payment method
• Network Fees: Always displayed upfront before you confirm a transaction
• No Wallet Maintenance Fees

Comparison Example:

• Zengo swap fee: ~0.75%
• Coinbase: ~1.49%
• Binance: ~0.10% (but not beginner-friendly)

So, Zengo isn’t the cheapest, but it’s transparent, and you’re paying for peace of mind + top-tier security.

Zengo’s Security Features: Truly Next-Level

Crypto security can be terrifying for beginners. Zengo solves that.

Here’s how:

✅ MPC (Multi-Party Computation)

Instead of a private key, your key is split into two mathematically encrypted parts. Even if someone hacks Zengo’s servers—they still can’t access your funds.

✅ Biometric Authentication

You access everything with FaceID or fingerprint. No passwords, no keyloggers.

✅ 3-Factor Recovery Kit

If your phone is lost:

1. Install Zengo on your new phone
2. Use your email & FaceID
3. Retrieve access via your encrypted backup (also split across two secure zones)

Tips to Avoid Getting Hacked:

• Never share your email recovery code
• Avoid phishing emails pretending to be Zengo
• Always double-check URLs before clicking “connect wallet”

Zengo says their security model speaks for itself: 0 Zengo wallets have been hacked or stolen since founding in 2018

If You Check Safest Crypto Apps In 2025 , Check Our Guide – Top 10 Safest Crypto Trading Apps in 2025 (Ranked & Reviewed)

Top User Ratings (2025)

Here’s how Zengo is being rated across major platforms:

User Experience & Customer Support

Smooth Experience:

• UI is fast and responsive
• All actions are explained with tooltips
• No ads or pop-ups interrupting your experience

Helpful Customer Support:

• 24/7 live chat with real humans (no bots)
• Email response time: ~2–4 hours
• Onboarding webinars every month

Real review (Reddit user u/crypton00b2025):
Their customer support truly impressed me. I accidentally wiped my phone and thought I had lost access to my wallet. But within 10 minutes, their team helped me restore everything. It felt unreal — fast, professional, and stress-free. That moment alone built my trust in this wallet app

📌 Industry & Expert Reviews

Zengo uses multi-party computation (MPC) instead of private keys or seed phrases to help secure your assets. … Zengo also features 3FA recovery.”
— NerdWallet, giving Zengo 5 out of 5 stars for security

It is designed to be secure by default and has never been hacked since its inception in 2019, currently securing over 1 million users’ assets.”
— Coin Bureau

Zengo Wallet is a non-custodial, seed phrase-free wallet that boasts outstanding security (It has never been hacked).”
— CNC Intelligence

Zengo Wallet prides itself on its security, proudly claiming that zero Zengo wallets have been hacked or stolen since its launch in 2018. It’s also been audited by security firms like CertiK…”
— Bitcoinist

💬 User & Community Feedback

From Capterra reviews (verified):

“Zengo is one of the most trusted crypto wallet I would most definitely recommend them.” — Phyllis, Owner, US

From Slashdot:

“I find ZenGo to be a very secure wallet. It has multi‑level security with biometrics. … I’d recommend ZenGo to my friends…” — Anonymous

Pros and Cons Summary

✅ Pros

• Zero seed phrase stress
• Highest-level wallet security (MPC + biometric)
• Earn APY on idle assets
• Transparent fees
• Excellent support

❌ Cons

• Slightly higher trading fees
• Not ideal for heavy traders or DeFi explorers
• Limited coin selection (No niche altcoins)

Final Verdict: Is Zengo the Best Crypto App for Beginners?

If you’re just starting your crypto journey in 2025, Zengo is hands-down one of the best apps to begin with.

You won’t find meme coins or leverage trading here—and that’s exactly why beginners feel safe. Its no-seed-phrase model, clear APY rewards, and human support make Zengo an easy choice for newcomers.

If you’re looking to day-trade or farm obscure tokens, you might outgrow it. But for a safe, simple start into crypto, Zengo hits the mark.

Our Score: 9/10 for beginners | 6/10 for advanced users

FAQs (Quick Answers)

Q1: Is Zengo Wallet safe for beginners?
Yes! Zengo’s MPC tech and 3FA recovery make it one of the most secure beginner wallets in 2025.

Q2: Can I earn passive income using Zengo?
Yes, you can earn up to 6.1% APY on USDC, ETH, BTC, and more. No lock-ups on stablecoins.

Q3: Does Zengo charge high fees?
Zengo’s swap fees (~0.75%) are slightly higher than exchanges but lower than Coinbase. All fees are clearly shown upfront.

Q4: What happens if I lose my phone?
You can recover your wallet using Zengo’s 3FA recovery process. No seed phrase needed.

Want to try Zengo?
👉 Download Zengo Wallet and experience crypto the stress-free way.