The US bank account for anyone, anywhere

Open an account in under 10 mins, from over 180 countries. No need to be a US citizen or resident.

Take control of your finances


Rest easy knowing your money is safe in a fully regulated US bank

USD Stability

Protect your funds from local currency changes and benefit from the strength of the US dollar

Frictionless transfers

Pay or transfer money internationally with ease to the people and businesses you want to

100% Access

Zenus is a full-reserve bank which means you have access to all your money, all the time

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Bank on the go

Our iOS and Android apps makes it easy to hold, send and receive funds quickly and conveniently, no matter where you are in the world


Complete purchasing power

With our virtual debit cards you can make instant purchases online, in-store or with a tap of your phone

Google and Samsung Pay compatible

Exclusive metal debit cards for your wallet or purse coming soon

Discover the benefits

Lead a ZenLife

Becoming a Zenus member enables you to enjoy a large range of free and exclusive services and benefits:

Buy with confidence

Make store or online purchases safe in the knowledge you have Extended Warranty, Price and Purchase Protection

Travel better

Improve the way you travel with our Auto Rental Insurance, Travel Accident Insurance, Baggage Delay, and Lost Luggage cover

Everyday Luxury

Upgrade your lifestyle with our Concierge, Luxury Hotel Collection, Airport Companion and Lounge Access

Apply from anywhere, no travel required

What is included

Your Zenus membership includes:

  • First month free

  • USD personal current account

  • Your virtual Visa Infinite debit card*

  • Institutional FX rates

  • No account funding charges**

  • Limitless ACH payments, Zen Transfers and wire transfer

  • iOS/Android apps and online banking

  • Digital account statements and payment receipts

  • Extended Warranty, Price and Purchase Protection

  • Auto Rental and Travel Accident Insurance

  • Baggage delay and lost luggage coverage

  • Lifestyle benefits including Digital Concierge, Luxury Hotel offers Airport Companion and Lounge Access

  • Exclusive offers and benefits

What it costs

  • One-time registration fee

  • Monthly membership

See full details of our Personal Account charges and limits

* Visa issuing countries only

** Charge may be charged by third-parties for making the payment

Make the most of your Zenus membership

ZenLife is packed full of features, articles and guides to help you do more with your money.Explore

Apply today

Open a US bank account in less than 10 minutes