How can we help you?

Unfortunately, once you confirm the transfer, you will not be able to cancel it. However, please contact us to see what we can do.

You don't need to do anything if you are expecting a large amount of money. As we review transfers on a case-by-case basis, there's no way to know what information we’ll need until we've received the transfer. Sometimes, we’ll ask you about your relationship to the sender, where the money came from, and the purpose of the transfer. This is a regulatory requirement, and it helps us to make sure that our services are safe and secure for everyone.

How long it takes for your recipient to receive funds depends on how they were sent.

Zen Transfers, transfers to other Zenus clients are free of charge and instant. 

ACH payments are not instantaneous, they are processed in batches by all the banks in the network, usually three times a day with a 3pm AST daily cut off. Domestic ACH payments should arrive within 1-2 business days, international payments can take longer. 

SWIFT/Wire transfers are sent electronically and should arrive 3 to 5 business days.

In both cases transfers may be delayed if further information is required or details need to be checked.

We've tried to keep our fees, charges and limits simple and inline with the best in the market. You can find all our latest information on the Charges and Limits page of our website. 

Zenus Bank charges fees for every outgoing domestic ACH or Wire transfer. If your transfer is International, it will incur an extra payment. 

For more details, you can check out our website page as a reference: https://zenus.com/charges-limits

Transaction limits provide security for the bank and for the client. For example, if by any chance your Zenus debit card gets stolen, the person with access to you card can only withdraw $360 from an ATM machine or make payments up to $1,500 in a POS thus restricting their access to the entirety of your funds.

A wire transfer is a fast way to send or receive money electronically.

However, the speed of the transfer depends on several factors. If the transfer is internal it occurs within minutes, but if the transfer is between domestic entities they are usually completed in 24 hours.

Transfers between U.S. and international accounts are completed in 1-2 business days. They are processed in approximately 1-3 business days. Priority delivery via SWIFT is the quickest option, and it will take anywhere between one and three days depending on the country and currency you’ve chosen to send to.

Internal Zenus transfers, Visa Direct, and wires have a daily limit of $2,500.

In the case that you need to send a Large transfer, please contact our support team to request an exception.

However, due to regulations and internal procedures, sending large sums can take some time. If you’re sending a larger amount, we often have to do extra checks, which can take longer. We make this process as fast as possible, but we know sending large transfers can be particularly stressful. So here are some things you can do to speed things up.

Set up your transfer with time to spare. So if you have to complete a transfer within a certain timeframe, set it up as soon as possible. Have documents that can support the transaction ready when you start your transfer. That way, if we ask for them, you can send them straight away and we can check them faster.

1. Once you log in to your Zenus app or website, tap on the dollar sign, and you will see the types of payments.  
2. Select the type of transfer (Zen, ACH, or SWIFT) and then add a new beneficiary. To add a beneficiary, you will have to complete different fields depending on the type of transfer requested. Please follow the instructions provided below: 

• For Zen transfer, you will need to register the phone number or account number. 
• For Swift transfer, you will need the beneficiary's account number, full name, address, receiving institution, and any other intermediary financial institutions if required.
• For an ACH transfer, you will need the beneficiary's account number, full name, address, and routing number of the financial institution you are sending funds to.

To send Swiss francs (CHF) to your Zenus Bank account, you will need to contact the financial institution you have your money in or use their banking platform to request the transfer. To ensure that your transfer arrives at Zenus you will need to use the details below. Be advised that all funds deposited in Zenus accounts will be posted in U.S. Dollars. 

If you don't know how or where to find your account number, please read our "How to see my full account number?" article.

Bank account details to use when sending money to your Zenus Bank account:

Beneficiary field - 

IBAN: CH4508726000050363020

Name: Custom House Financial (UK) Limited

Address: Hammersmith Road London W6 7DL United Kingdom

Beneficiary Bank - 

Name: Bank of America Merrill Lynch

SWIFT: BOFACH2X

Address: Stockerstrasse 23 8002 Zurich Zurich, Switzerland

Reference - 

52240LA 

Full Name: (as it appears on your account)

Zenus Account number: (20 digits)

If you have more questions, please contact Client Services and we'll be happy to help.

When adding a recipient's contact details, you must use the country code assigned to where the phone number is registered (ex. USA +1)

Beneficiary field - 

Account Number: 71346-014

Name: Custom House Financial (UK) Limited 200

Address: Hammersmith Road London W6 7DL United Kingdom

Beneficiary Bank - 

Name: Bank of America NA Hong Kong Branch

SWIFT: BOFAHKHX

Address: Level 20 Tower 2, Kowloon Commerce Centre

51 Kwai Cheong Road Hong Kong Hong Kong

Routing code: 55757

Reference - 

52240LA 

Full Name: (as it appears on your account)

Zenus Account number: (20 digits)

Beneficiary field - 

Account Number: 0161736406

Name: Custom House Financial (UK) Limited 200

Address: Hammersmith Road London W6 7DL United Kingdom

Beneficiary Bank - 

Name: Citibank N.A.

SWIFT: CITIJPJT

Address: Otemachi Park Building1-1-1 Otemachi, Chiyoda-ku Tokyo100-8132 Japan

Reference - 

52240LA 

Full Name: (as it appears on your account)

Zenus Account number: (20 digits)

A SWIFT/Wire Transfer is an international transaction that allows clients to make transfers to linked banks or SWIFT members from different countries.