Students arriving in the U.S. often have great difficulty gaining access to the local banking system. This can lead to a reliance on cash in a digital economy or paying high foreign exchange fees using their native bank accounts. Zenus Bank is the first of its kind to allow foreign citizens to open a U.S. bank account without the need of U.S. residency.

The challenges of being an international student

For many international students, studying overseas can be a wonderful experience. However, it also comes with its own set of challenges. One such important challenge is the ability to manage your finances effectively. This can make the difference between having the adventure of a lifetime or missing out on all the enriching experiences.

High currency exchange & transfer fees

International students often face high currency exchange rates and transfer fees. When you have a bank account in a different country, you often need to convert currencies when making transactions or receiving funds. These conversions can result in additional fees and fluctuating exchange rates, which can erode a student’s budget.

Limited access to local banking services

Having an account from a different country can restrict access to local banking services or make it difficult to enjoy a smooth shopping experience. This limitation can make simple tasks like withdrawing cash, paying for school-related activities or traveling with friends needlessly complicated and time-consuming.

High transaction costs

International transactions, especially if done through foreign bank accounts, often come with high transaction costs. Sending money from one country to another usually involves multiple intermediaries, each charging their fees, which can quickly add up.

Delayed transactions

International money transfers can take several days to process, which can lead to frustrating delays in accessing funds. In some cases, funds may even get blocked or lost in transit, posing serious consequences for the students. Such delays and uncertainties can severely impact a student's ability to cover sudden expenses.

How Zenus can help

Easier management of finances

Having a US bank account as an international student simplifies the management of your finances. With a local account, you can receive funds in US dollars directly, eliminating the need for frequent currency conversions.

Even if you don’t study in the US, our bank account bridges the gap between you and the rest of the world. Additionally, you can make payments in the local currency more easily, avoiding exchange rate fluctuations and associated fees.

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Convenience & efficiency

Our app and online banking capabilities can help you manage your account seamlessly, as well as receive assistance from customer support in English/Spanish. This convenience enhances your overall banking experience and provides peace of mind.

Reduced costs

By having a US bank account, you can significantly reduce transaction costs associated with international transfers/payments. Zenus offers competitive exchange rates and lower fees for international transactions, saving you money in the long run. This cost-effectiveness allows you to allocate more funds towards your education and other essential expenses.

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Carefree lifestyle

Zenus Bank can help overseas students to really make the most of their academic experience. Our US bank account lets you shop online with ease, transfer money internationally quickly and securely, and get access to advanced financial tools so you’re always on top of your expenses.

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.