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Frequently asked questions

What is Zenus Bank?

Zenus Bank International is regulated as an International Financial Entity. Headquartered in San Juan, Puerto Rico we offer fast, flexible, and transparent US banking for people and businesses around the world.

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Getting started with the Zenus card

The Zenus Visa debit card works like any other Visa debit card. The card may be used worldwide anywhere Visa is accepted as a payment method. The debit card uses funds directly from your Zenus bank account.

Payments and purchases can be made in person or online, and cash can be withdrawn at ATMs that are part of the Visa network.

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What types of accounts do we offer?

For now, we are only offering personal account membership. You are more than welcome to download the free Zenus Bank mobile application from the Apple Store and Play Store to apply. We are working to provide business, corporate and institutional accounts.

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What documents do I need to open a personal account with Zenus?

Like all banks we need to confirm you are who you say you are to conform with our regulatory obligations.

As part of your application you will need to present or upload:

1. Your passport:
You will need to take a photo of your passport as part of the application process
2. Proof of address:
This can be any one of the following documents:
Utility bill, Valid driver’s license, Property tax receipt, Lease/mortgage agreement, Insurance card, Bank Statement, Voter registration card or College enrollment papers.
We prefer you do when you make your application but you have 30 days from the approval of your account to upload the following information to your account:
3. Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding or Request for Taxpayer Identification Number (TIN) and Certification.
If you are not a US citizen, we require a completed W-8Ben form (you can   find this here on the IRS website
If you are a US citizen, we require a completed W-9Ben form (you can   find this here on the IRS website
4. Proof of employment:
Any one of: A copy of your employment contract, Two consecutive payslips, your last three monthly bank statements showing your salary being deposited into your account, Tax returns or forms for the last financial year, Paystubs (must include your pay rate, how much you earned so far, and how much of your income went towards taxes or retirement savings), Pension distribution statement: Any received pension can be used for proof via a pension distribution statement or Unemployment benefits statement.
Please contact Client Services if you have any questions about these documents.
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What can I use as proof of address?

Like all banks, we need to complete Know Your Customer (KYC) checks as part of your application. So we can do this, you will need to submit a proof of address. The document must state the name of the applicant and the address that is being used in the application. Ideally, it should match the passport as well.

You can submit any one of the following as your Proof of Address:

  • Utility bill (power or water, mobile) (no older than 90 days)
  • Rent/Ownership contract
  • Driving license with address
  • Valid Government issued document
  • Bank Statement (no older than 90 days)

Only one copy required


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How to transfer/deposit USD to my Zenus account?
To transfer U.S. dollars to your Zenus account, you will need to provide the details below to the person making the payment or use them yourself.

Beneficiary Field:

Full Name: (as it appears on your account)
Full Address:
Zenus Account number: (20 digits)

Beneficiary Bank:

Zenus Bank Intl 
Swift Code: ZEITPRSJ
Zenus Bank Address: Zenus Tower, 19th Floor, 252 Ponce de Leon, San Juan, PR, 00918
Intermediary bank for USD transfers only, if needed:
Name: JP Morgan Chase NA
Address: New York, NY
Routing Number: 021000021
How to make US local transfers using ABA: 

Bank Information:

Routing 021000021

Name: JP Morgan Chase / NEW YORK NY, US



Account: 866533562

Name: Customer's name

Address: Customer's address



Zenus Account number


If you would like to transfer from other currencies, please select the currency listed below to view the transfers instructions: 


If you need additional help to make a deposit from any other currency please contact Client Services via email at or via phone by calling +1 833-936-8711 (USA toll-free) Open 9:00 am - 6:00 pm Monday to Friday EST. 


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Is a minimum deposit or balance required?

No, there is no requirement to make a deposit to open an account or hold a minimum deposit in your account. You will however need to make sure your monthly account fee is paid and that there is regular activity on the account, otherwise we will close your account.

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Is my money covered by a financial protection scheme?

Zenus Bank has comprehensive insurance policies via leading global insurers to keep the bank and clients’ deposits safe. We are not a member of the FDIC or the Financial Services Compensation Scheme (FSCS).

Zenus’ choice to operate as a full-reserve bank is critical in protecting your funds. We do not invest customer deposits. This means there is little to no risk, giving you peace of mind and reassurance that your money is not going safely in place. 

All client deposits are held in top-tier financial institutions including the Federal Reserve Bank of New York. This has the added benefit of FDIC coverage applying to our correspondent accounts held at other institutions.

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What foreign exchange rate will I get?

Zenus uses institutional bank rates for currency exchange. We charge a small mark up dependent on whether the transaction is made during or outside market hours. Please read our Charges and Fees page for the latest information. 

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Which countries can I apply from?

You can apply for a Zenus account if you reside in one of the following countries:

Aland Islands, Algeria, American Samoa, Andorra, Angola, Anguilla, Antarctica, Antigua And Barbuda, Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Belgium, Belize, Benin, Bermuda, Bhutan, Bolivia, Bonaire, Saint Eustatius And Saba, Brazil, British Indian Ocean Territory, British Virgin Islands, Brunei, Bulgaria, Cabo Verde, Canada, Chad, Chile, Christmas Island, Cocos Islands, Colombia, Comoros, Cook Islands, Costa Rica, Croatia, Curacao, Cyprus, Czechia, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Estonia, Eswatini, Falkland Islands, Faroe Islands, Fiji, Finland, France, French Guiana, French Polynesia, French Southern Territories, Gabon, Gambia, Georgia, Germany, Ghana, Gibraltar, Greece, Greenland, Grenada, Guadeloupe, Guam, Guatemala, Guernsey, Guyana, Honduras, Hong Kong, Hungary, Iceland, India, Indonesia, Ireland, Isle Of Man, Italy, Japan, Jersey, Kazakhstan, Kiribati, Kuwait, Kyrgyzstan, Latvia, Lesotho, Liechtenstein, Lithuania, Luxembourg, Macao, Madagascar, Malawi, Malaysia, Maldives, Marshall Islands, Martinique, Mauritania, Mayotte, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Montserrat, Namibia, Nauru, Nepal, Netherlands, New Caledonia, New Zealand, Niger, Niue, Norfolk Island, North Macedonia, Northern Mariana Islands, Norway, Oman, Palau, Papua New Guinea, Paraguay, Peru, Pitcairn, Poland, Portugal, Qatar, Reunion, Romania, Rwanda, Saint Barthelemy, Saint Helena, Saint Kitts And Nevis, Saint Lucia, Saint Martin, Saint Pierre And Miquelon, Saint Vincent And The Grenadines, Samoa, San Marino, Sao Tome And Principe, Saudi Arabia, Serbia, Seychelles, Sierra Leone, Singapore, Slovakia, Solomon Islands, South Africa, South Georgia And The South Sandwich Islands, South Korea, Spain, Sri Lanka, Suriname, Svalbard And Jan Mayen, Sweden, Switzerland, Taiwan, Tajikistan, Thailand, Timor Leste, Togo, Tokelau, Tonga, Turkey, Turkmenistan, Turks And Caicos Islands, Tuvalu, U.S. Virgin Islands, United Arab Emirates, United Kingdom, United States, United States Minor Outlying Islands, Uruguay, Uzbekistan, Vatican, Vietnam, Wallis And Futuna and Zambia

Please note that we do not issue Virtual or Debit Cards to the following countries :  

Andorra, Antarctica, Australia, Austria, Belgium, Brazil, Bulgaria, Burundi,  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, the European Union, Turkey, UAE (United Arab Emirates), United Kingdom and Vatican.


Applicants can apply for a Zenus Account from over 180 countries but for regulatory and operational reasons there are some we cannot serve. We cannot open an account if you reside in one of the following:

Afghanistan, Albania, Barbados, Belarus, Bosnia and Herzegovina, Botswana, Burkina Faso, Burundi, Bouvet Island, Cambodia, Cameroon, Cayman Islands, Central African Republic, China, Cuba, Darfur, Democratic Republic of Congo, Eritrea, Ethiopia, Guinea, Guinea-Bissau, Haiti, Heard Island And Mcdonald Islands, Iran, Iraq, Israel, Ivory Coast, Jamaica, Jordan, Kenya, Kosovo, Laos, Lebanon, Liberia, Libya, Mali, Mauritius, Malta, Morocco, Mozambique, Myanmar, Nicaragua, Nigeria, North Korea, Pakistan, Palestinian Territory, Panama, Philippines, Puerto Rico, Russia, Senegal, Somalia, South Sudan, St Martin, Slovenia, Syria, Sudan, Ukraine, Tanzania, Trinidad & Tobago, Tunisia, Uganda, Vanuatu, Venezuela, Western Sahara, Yemen, and Zimbabwe. 

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Check if your country is eligible for Zenus Bank account and Visa Infinite card.

Your eligibility for a Zenus Bank account and Visa Infinite debit card depends on your country of residence not your nationality. 

Select your country of residence


Visa virtual and physical cards are available

Visa virtual and physical cards are not available

Get in touch with us

If you're looking to learn more about us, have already applied or you're already a client, we're here to help.

Call us

+1 833-936-8711 (US toll-free)
We speak English & Spanish.

Open 9-6 EST