How can we help you?

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.