Personal banking

Take control of your finances and enjoy all the benefits of banking in the U.S. without needing to be a U.S. resident or citizen.

Open a Zenus Infinite account and enjoy virtual and physical Visa Infinite debit cards*. Make instant purchases online, in-store or with a tap of your phone.

Apply today

 

Zenus Bank Couple at Store Window
Zenus Bank App Hand
Zenus Bank Online Banking

Manage your money on the move

Send, receive and manage your funds with the Zenus App.

  • Make fast and easy payments with ACH, SWIFT and Zen Transfers
  • View and manage your card details and PIN security
  • Make contactless payments direct from the Zenus app

Access your accounts, manage payments, check your statements and much more. 24 hours a day

  • See all your activity online - all you need is an internet connection
  • Make US domestic and international payments quickly and easily
  • Manage every aspect of your account without having to visit a branch

How to apply

3 easy steps to your Zenus Bank account 

 

Zenus Bank Blurple Shape
1. Prepare

Have your documents ready before you start.

What documents do I need?

Zenus Bank Blurple Web And Mobile
2. Apply

Install the Zenus Bank app and complete our application form.

 

Zenus Bank Blurple Virtual Wallet
3. Bank

We will let you know within 48 hours if your account has been approved.

As seen in

Zenus Bank Man Standing By Desk

Business banking

Reduce costs and protect your profits with USD stability.

Our business banking accounts are designed for small or single director businesses that need an international edge.

Enjoy the benefits of U.S. banking, without needing to be a U.S. registered company, citizen or resident.

Register for business

Corporate banking

Expand beyond your borders, do more business and save costs with a U.S. corporate account. 

Created for multi-owner or international businesses needing a global bank to power international activities.

Register for corporate

Zenus Bank Men Discussing

Why bank with Zenus?

Zenus Bank Turquoise ISO

Safe & Secure

Your personal and financial information are secured by ISO standards.

Zenus Bank Turquoise Protected Funds

Licensed & Regulated

Bank with confidence, knowing our operations are fully regulated.

Zenus Bank Turquoise Protected

Protected Funds

We are a full reserve bank. 100% of your funds are kept in the bank ​at all times.

ZenLife

Browse our latest articles

Zenus Bank Ariel Puerto Rico
Why Puerto Rico could be the next international finance hub
When you think of Puerto Rico, you immediately think of endless beaches, tropical waves, the beat of reggaetón, and barbeques. Perhaps you don’t think about it being a potential global financial hub.
Zenus Bank Cashless Society
What would a cashless society look like?
The concept of a cashless society is nothing new; commentators have been predicting a firm shift away from cash for years, so it’s always been a case of if, not when. But what are the repercussions of a world with only cashless transactions?
Zenus Bank Full Reserve Bank
What is Full Reserve Banking?
Full reserve banking alleviates a lot of the risk attached to fractional reserve banking. When customers put their money into a full reserve bank, their money stays in that reserve and is not loaned out
Zenus Bank Protecting Your Wealth
Protecting your wealth
At Zenus Bank, you can open a US bank account so your wealth is sat in USD, which could provide a secure alternative to holding your money in local currencies.

Apply Today

Open a US bank account in less than 10 minutes

Apply Now

*Zenus Visa Infinite Debit cards

Your eligibility for a Visa Infinite debit card depends on your country of residence.

Visa virtual and physical cards are available in the following countries: 

Aland Islands, Algeria, American Samoa, Angola, Anguilla, Antigua and Barbuda, Argentina, Armenia, Aruba, Azerbaijan, Bahamas, Bahrain, Bangladesh, Belize, Benin, Bermuda, Bhutan, Bolivia, Bonaire, Saint Eustatius and Saba, British Indian Ocean Territory, British Virgin Islands, Brunei, Cabo Verde, Chad, Chile, Christmas Island, Cocos Islands, Colombia, Comoros, Cook Islands, Costa Rica, Curacao, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eswatini, Falkland Islands, Faroe Islands, Fiji, French Guiana, French Polynesia, French Southern Territories, Gabon, Gambia, Ghana, Gibraltar, Greenland, Grenada, Guadeloupe, Guam, Guatemala, Guernsey, , Guyana, Honduras, Hong Kong, Isle of Man, Japan, Jersey, Kazakhstan, Kiribati, Kuwait, Kyrgyzstan, Lesotho, Liechtenstein, Macao, Madagascar, Malawi, Maldives, Marshall Islands, Martinique, Mauritania, Mayotte, Mexico, Micronesia, Mongolia, Montserrat, Namibia, Nauru, Nepal, New Caledonia, New Zealand, Niger, Niue, Norfolk Island, North Macedonia, Northern Mariana Islands, Oman, Palau, Papua New Guinea, Paraguay, Peru, Pitcairn, Reunion, Rwanda, Saint Barthelemy, Saint Helena, Saint Kitts And Nevis, Saint Lucia, Saint Martin, Saint Pierre And Miquelon, Saint Vincent And The Grenadines, Samoa, Sao Tome And Principe, Saudi Arabia, Seychelles, Sierra Leone, Singapore,Solomon Islands, South Georgia And The South Sandwich Islands, Sri Lanka, Suriname, Svalbard And Jan Mayen, Taiwan, Tajikistan, Timor Leste, Togo, Tokelau, Tonga, Turkmenistan, Turks And Caicos Islands, Tuvalu, U.S. Virgin Islands, United States, United States Minor Outlying Islands, Uruguay, Uzbekistan, Vietnam, Wallis and Futuna, Zambia 

Bank accounts in the following regions don't include our debit cards, but we are working hard to offer them soon:

Andorra, Antarctica, Australia, Austria, Belgium, Brazil, Bulgaria, Canada, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Georgia, Germany, Greece, Hungary, Iceland, India, Indonesia, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malaysia, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Qatar, Romania, San Marino, Serbia, Slovakia, South Africa, South Korea, Spain, Sweden, Switzerland, Thailand, Turkey, United Arab Emirates, United Kingdom, Vatican