How can we help you?

There is no need to switch your entire banking system over to Zenus Bank; we see ourselves as an additional service to your local account. 

As a regulated U.S. bank and online service provider, Zenus requires specific documentation to help ensure the security of our users and to comply with the rules and regulations imposed by the U.S. government, Visa and our associated partners.

For this reason, we may ask for additional documentation even if you have already received payments in the past.

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:

Yes, you must provide a phone number. In the process of creating an account with us, you will need to provide a phone number to complete the onboarding process. We strongly suggest using a cell phone number. Using a cell phone will enable advanced communication and verification features.

We are required by law to comply with Know Your Customer (KYC) practices. Due to this regulatory requirement, Zenus requests a proof of address document to validate your address. You can provide us with any of the following documents to demonstrate your proof of address.

• Utility bill (Power, water, or mobile) no older than 90 days 
• Valid driver’s license
• Property tax receipt
• Lease or mortgage agreement
• Insurance certificate
• Voter registration card
• College enrollment papers.
• Bank statement (no older than 90 days)

We cannot accept your passport as we need to reference this document with that address. If you are not in possession of any of the above, please contact Client Services and we will happily discuss your options.
 

If you make an error filling your address in the system, the Zenus onboarding team should notice while validating your proof of address documentation provided. Once your address has been confirmed, Zenus will go ahead and correct it. Once your account is active, you are welcome to update the address when you need to.

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

You do not need to be a US citizen, resident or have a US social security number to apply for a Zenus Bank account.

Whether you can get a Zen Card, which is the Visa Infinite debit card, depends on your country of residence. Currently, we can only offer cards in a select number of countries, please see the detailed list below which states from where you can get the VISA Infinite card and from where you can't receive the Virtual or Physical card.

For now, we can only issue the Zenus Visa cards in the following licensed 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 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 and Zambia. 

We cannot offer the Zenus Visa debit card if you reside in one of the following countries: 

Afghanistan, Andorra, Antarctica, Australia, Austria, Belarus, Belgium, Brazil, Bulgaria, Burundi, Canada, China, Croatia, Cuba, Cyprus, Czechia, Democratic Republic Of The Congo, Denmark, Estonia, Finland, France, Georgia, Germany, Greece, Hungary, Iceland, India, Indonesia, Iran, Iraq, Ireland, Israel, Italy, Latvia, Lebanon, Libya, Lithuania, Luxembourg, Malaysia, Mali, Malta, Moldova, Monaco, Montenegro, Morocco, Myanmar, Netherlands, Nicaragua, Nigeria, North Korea, Norway, Pakistan, Palestinian Territory, Poland, Portugal, Qatar, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Somalia, South Africa, South Korea, South Sudan, Spain, Sudan, Sweden, Switzerland, Syria , Thailand, Turkey, Ukraine, United Arab Emirates, United Kingdom, Vatican, Venezuela, Yemen and Zimbabwe. 

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. 

Currently, we are only offering USD accounts. You can make international payments and transfers easily at institutional FX rates. 

During the onboarding process, you will be asked to repeat the phrase "I approve this transaction".

This phrase will be used as a security measure to ensure we can provide you with secure services. When making transactions and accessing parts of your card details, you will be asked to say your passphrase which is "I approve this transaction".

If you are having issues with your passphrase, you can retrain the app's voice recognition by going into your app's settings (press the three dots in the right-hand corner of the home screen) and choosing "Voice retraining" from the list of options. There the app will conduct facial recognition, and then you can reset your voice recognition. 

If you are still having trouble with your passphrase/voice retraining, please get in touch with our client services.