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What can we help you with? About Zenus Accounts Complaints Data, Security & Fraud Debit cards Services Ways to bank Working with us 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. Need help? Email us: clientservices@zenus.com 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 Payments and purchases can be made in person or online, and cash can be withdrawn at ATMs that are part of the Visa network. Need help? Email us: clientservices@zenus.com 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. Need help? Email us: clientservices@zenus.com 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. Need help? Email us: clientservices@zenus.com 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 Need help? Email us: clientservices@zenus.com 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 BIC Code: CHASUS33 How to make US local transfers using ABA: Bank Information: Routing 021000021 Name: JP Morgan Chase / NEW YORK NY, US Beneficiary: Account: 866533562 Name: Customer’s name Address: Customer’s address Reference: Zenus Account number If you would like to transfer from other currencies, please select the currency listed below t o view the transfers instructions : British Pound Sterling Euro Hong Kong Dollar Japanese Yen Swiss Francs If you need additional help to make a deposit from any other currency please contact Client Services via email at clientservices@zenus.com or via phone by calling +1 833-936-8711 (USA toll-free) Open 9:00 am - 6:00 pm Monday to Friday EST. Need help? Email us: clientservices@zenus.com 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. Need help? Email us: clientservices@zenus.com 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. Need help? Email us: clientservices@zenus.com 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. Need help? Email us: clientservices@zenus.com Which countries can I apply from? You can apply for a Zenus account...