Most U.S. banks only allow residents to hold accounts. For U.S. expats overseas, no longer being a resident can cause issues.

Expats have struggled to maintain bank accounts in the U.S. due to a lack of a mailing address, or even telephone number. Zenus can solve that.

The challenges with US expat banking

As an expat, living and working abroad opens a world of exciting opportunities, but it also comes with its fair share of challenges.

International money management

Managing finances across borders can be complex and time-consuming. Fluctuating exchange rates, different banking systems, and high transaction fees can make it difficult to spend or transfer money. Frequently, expats will find themselves subject to the authority of unreasonable bank managers and harsh banking restrictions.

High costs

Making international transfers, paying for goods and services, or withdrawing money from your home country’s bank account while abroad can be costly and inconvenient. Finding a reliable way to access your funds while avoiding hefty fees is a constant concern for expats.

Missed economic opportunities

Expats regularly encounter hurdles when it comes to contracting and getting paid for their work. Differences between various financial systems, bank transfer limits and slow payment processing speeds means expats often face delays or non-payment of wages, which undermines their financial stability.

Limited banking options

Not all banks cater to the needs of expats, making it difficult to find an institution that understands your unique circumstances. Expats often struggle to find a bank that offers the necessary services and flexibility to meet their financial requirements.

How Zenus can help


Having a full US bank account gives you great flexibility in terms of trading with the rest of the world. A Zenus bank account lets you carry out ACH, Wire/SWIFT and Zenus transfers with ease, both within the US and internationally. As such, you can conduct transactions seamlessly and take advantage of global opportunities.

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Convenience & efficiency

Being a part of the US banking system means you’ll enjoy streamlined processes and efficient services. Experience faster transaction times, lower costs, as well as effortless cross-border transfers and payments that keep your financial life running smoothly.

Reduced costs

Many banks around the world charge steep fees and hidden charges, especially for international transfers/payments. With a Zenus bank account, you can enjoy competitive exchange rates, lower transaction costs, and access to cost-effective international payment solutions. This way, you get to keep more of your money!

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Financial freedom

Zenus Bank can help expatriates unlock a world of financial possibilities. Our US bank account lets expats shop online with ease, opens new markets for business, provides access to advanced financial tools, and helps safeguard against currency volatility or depreciation thanks to the stability of the US dollar. In other words, expats gain more control over their financial life.

How to apply

3 easy steps to your Zenus Bank account 


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1. Prepare

Have your documents ready before you start.

What documents do I need?

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2. Apply

Install the Zenus Bank app and complete our application form.


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3. Bank

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