Overview
Zenus Bank, at a glance.
Zenus Bank is a bank headquartered in Puerto Rico, regulated by OCIF. The company behind Zenus Bank is Zenus Bank International, Inc. Pricing is agreed with each client. Opening an account takes 3–5 days. Non-residents are accepted: owners and directors do not need to live in the country where the company is registered.
Zenus Bank International, Inc. is an International Financial Entity chartered in Puerto Rico and supervised by the Office of the Commissioner of Financial Institutions, with FinCEN as its anti-money-laundering regulator. It says it is a full-reserve bank that does not lend client deposits and keeps client money segregated. It is not FDIC-insured.
Why businesses pick Zenus Bank
- Real US dollar bank accounts for companies incorporated almost anywhere, with no US presence needed
- Full-reserve model: client balances are held as cash and not lent out
- SWIFT, Fedwire, ACH and USDC from one account, with payouts in 33 currencies
- Free book transfers between Zenus accounts, with no limits
- Visa Principal Member, licensed in Puerto Rico with US anti-money-laundering supervision
Watch out for
- Contact-led: no self-serve sign-up and no published prices
- A non-refundable application fee and a monthly membership fee, amounts not published
- Not FDIC-insured
- No accounts for companies tied to sanctioned countries, and no list of refused industries is published
- The retail platform closed on 22 October 2025: the bank now serves companies and institutions
Business fit
Will Zenus Bank accept your business?
Four quick answers. Where your company is registered and what it does rule a provider in or out faster than anything else.
Based on Zenus Bank's published rules
Likely fit
Zenus Bank lists both United Kingdom companies and Import and export as accepted.
Zenus Bank does not publish a minimum company age or turnover, so those two answers are not checked here.
This is one provider. Your profile checks all of them.
- Every provider that fits your business
- The reason behind each match
- Company age and turnover checked too
Who it works with
Accepted and not accepted.
What Zenus Bank publishes about the businesses it takes on.
Who Zenus Bank serves
- Import and export
- Financial institutions
Not supported
Industries and countries Zenus Bank does not accept, from its own published lists.
Industries
- Not published
Countries
- Belarus · company or owners
- Congo - Kinshasa · company or owners
- Cuba · company or owners
- Iran · company or owners
- Iraq · company or owners
- Libya · company or owners
- Nicaragua · company or owners
- North Korea · company or owners
- Russia · company or owners
- Somalia · company or owners
- Syria · company or owners
- Central African Republic · company or owners
- Venezuela · company or owners
- Yemen · company or owners
- Zimbabwe · company or owners
Coverage
Where can you use Zenus Bank?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
USD accounts; pays out in 33 currencies
Hold and receive · 1 currencies
- USD
Pay out · 33 currencies
- EUR
- USD
- GBP
- CHF
- BBD
- BMD
- BSD
- CZK
- DKK
- ETB
- GEL
- GHS
- GMD
- HKD
- HUF
- ILS
- ISK
- JMD
- KWD
- KYD
- MAD
- MUR
- MXN
- NOK
- NZD
- PLN
- SEK
- SGD
- SRD
- TRY
- XCD
- XCG
- ZMW
Payment reach
Not published
Who can apply
Company incorporation countries235 countries · show list
- Afghanistan
- Åland Islands
- Albania
- Algeria
- American Samoa
- Andorra
- Angola
- Anguilla
- Antarctica
- Antigua & Barbuda
- Argentina
- Armenia
- Aruba
- Australia
- Austria
- Azerbaijan
- Bahamas
- Bahrain
- Bangladesh
- Barbados
- Belgium
- Belize
- Benin
- Bermuda
- Bhutan
- Bolivia
- Bosnia & Herzegovina
- Botswana
- Bouvet Island
- Brazil
- British Indian Ocean Territory
- British Virgin Islands
- Brunei
- Bulgaria
- Burkina Faso
- Burundi
- Cambodia
- Cameroon
- Canada
- Cape Verde
- Caribbean Netherlands
- Cayman Islands
- Chad
- Chile
- China
- Christmas Island
- Cocos (Keeling) Islands
- Colombia
- Comoros
- Congo - Brazzaville
- Cook Islands
- Costa Rica
- Côte d’Ivoire
- Croatia
- Curaçao
- Cyprus
- Czechia
- Denmark
- Djibouti
- Dominica
- Dominican Republic
- Ecuador
- Egypt
- El Salvador
- Equatorial Guinea
- Eritrea
- Estonia
- Eswatini
- Ethiopia
- 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
- Guinea
- Guinea-Bissau
- Guyana
- Haiti
- Heard & McDonald Islands
- Honduras
- Hong Kong SAR China
- Hungary
- Iceland
- India
- Indonesia
- Ireland
- Isle of Man
- Israel
- Italy
- Jamaica
- Japan
- Jersey
- Jordan
- Kazakhstan
- Kenya
- Kiribati
- Kosovo
- Kuwait
- Kyrgyzstan
- Laos
- Latvia
- Lebanon
- Lesotho
- Liberia
- Liechtenstein
- Lithuania
- Luxembourg
- Macao SAR China
- Madagascar
- Malawi
- Malaysia
- Maldives
- Mali
- Malta
- Marshall Islands
- Martinique
- Mauritania
- Mauritius
- Mayotte
- Mexico
- Micronesia
- Moldova
- Monaco
- Mongolia
- Montenegro
- Montserrat
- Morocco
- Mozambique
- Myanmar (Burma)
- Namibia
- Nauru
- Nepal
- Netherlands
- New Caledonia
- New Zealand
- Niger
- Nigeria
- Niue
- Norfolk Island
- North Macedonia
- Northern Mariana Islands
- Norway
- Oman
- Pakistan
- Palau
- Palestinian Territories
- Panama
- Papua New Guinea
- Paraguay
- Peru
- Philippines
- Pitcairn Islands
- Poland
- Portugal
- Puerto Rico
- Qatar
- Réunion
- Romania
- Rwanda
- Samoa
- San Marino
- São Tomé & Príncipe
- Saudi Arabia
- Senegal
- Serbia
- Seychelles
- Sierra Leone
- Singapore
- Sint Maarten
- Slovakia
- Slovenia
- Solomon Islands
- South Africa
- South Georgia & South Sandwich Islands
- South Korea
- South Sudan
- Spain
- Sri Lanka
- St. Barthélemy
- St. Helena
- St. Kitts & Nevis
- St. Lucia
- St. Martin
- St. Pierre & Miquelon
- St. Vincent & Grenadines
- Sudan
- Suriname
- Svalbard & Jan Mayen
- Sweden
- Switzerland
- Taiwan
- Tajikistan
- Tanzania
- Thailand
- Timor-Leste
- Togo
- Tokelau
- Tonga
- Trinidad & Tobago
- Tunisia
- Türkiye
- Turkmenistan
- Turks & Caicos Islands
- Tuvalu
- U.S. Outlying Islands
- U.S. Virgin Islands
- Uganda
- Ukraine
- United Arab Emirates
- United Kingdom
- United States
- Uruguay
- Uzbekistan
- Vanuatu
- Vatican City
- Vietnam
- Wallis & Futuna
- Western Sahara
- Zambia
Owner nationality
Not publishedOwner residency
Not publishedCompany types
Corporate entities, Banks, fintechs and stablecoin issuers, Multinational companies
Pricing
What does Zenus Bank cost?
Look beyond the monthly fee. Your total cost depends on how many transfers you make, where they go and how much you convert.
Account cost
Opening fee
Not published
Monthly fee
Not published
Commercial account (price on request)
Custom
Transaction fees
| Cost | Listed amount | How it is charged |
|---|---|---|
| Outgoing | ||
| To another Zenus Bank account | Free | No charge · Book transfers between Zenus accounts |
Other fees
Currency exchange (FX)
| Cost | Listed amount | How it is charged |
|---|---|---|
| FX markup | Not published | Institutional bank rates; no margin published |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Get in touch
Contact the account managers through the get-started form.
- 2
Documents
Provide company incorporation, tax (W-8BEN or W-9), business and source-of-funds documents and identification for directors and beneficial owners.
- 3
Due diligence
Zenus runs due diligence before approval and charges a non-refundable application fee.
- 4
Account live
The USD account is opened under Zenus's Puerto Rico bank licence.
Documents you need
- Certificate of Incorporation or Registration
- Articles or Memorandum of Association
- Company registration number
- Certificate of Good Standing
- Tax Identification Number or equivalent
- FATCA form (W-8BEN or W-9)
- Company fiscal registration certificate
- Description of business activities
- Source of funds declaration
- Financial statements (audited if assets exceed $2M)
- Identification documents for directors and beneficial owners, and proof of address
FAQ
Your questions, answered.
Is Zenus a bank?
Yes. Zenus Bank International, Inc. is chartered as an International Financial Entity in Puerto Rico (licence IFE-061) and supervised by OCIF. It is not FDIC-insured; it says it is a full-reserve bank that does not lend client deposits.
Can my company open a Zenus account?
Yes, through the account managers: the get-started page is a contact form. Zenus opens US dollar accounts for companies incorporated almost anywhere without a physical presence in the US, except where US sanctions apply.
How much does it cost?
Zenus publishes no prices. Its client agreement says it charges a non-refundable application fee and a monthly membership fee, set out in a Commercial Account Charges schedule that is not public.
Which countries does Zenus not serve?
It will not open accounts or process transactions from countries sanctioned by OFAC and others it selects: Belarus, the Democratic Republic of the Congo, Cuba, Iran, Iraq, Libya, Nicaragua, North Korea, Russia, Somalia, Syria, the Central African Republic, Venezuela, Yemen and Zimbabwe, and the regions of Crimea, Donetsk and Luhansk and the Balkans. It does not do business with Puerto Rico residents unless authorised.
Is there a Zenus personal account?
No longer. Zenus discontinued its dedicated retail banking platform on 22 October 2025 and now focuses on companies, banks and fintechs.
Alternatives
How Zenus Bank compares.
If Zenus Bank is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 Zenus BankThis pageBank |  | Full reserve |
 AirwallexE-money institution |    | Global accountsOnline businesses |
 Wise BusinessE-money institution |  | Low FX costsStandard businesses |
 PayoneerE-money institution |   | Marketplace payoutsMass payments |
| CurrenxieMoney service operator |  | Hong Kong accountMarketplace sellers |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.