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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.
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.
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.
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.
Applying for a Zenus account is quick and convenient it takes approximately 10 minutes if you have the necessary documentation ready. You will need to have a valid passport and proof of address at hand when you apply, along with a credit or debit card to pay the required non-refundable $50 fee per application. For detailed information about the required documentation go to the article "What documents do I need to open a personal account with Zenus?"
To start your application just download the Zenus Bank app from the Apple App Store or Google Play Store.
Apps stores Links:
IOS: Apple Stores
Android: Play Store
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.
As part of onboarding, applicants must supply a valid passport photo. Here are some tips to ensure you upload the picture correctly:
- Ensure there is no glare from lights
- Ensure it is in focus
- Ensure your fingers are not covering details
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:
Only one copy required
As with all financial institutions we are obliged to meet Know Your Client (KYC) requirements. To do this we need you to provide proof of employment. You do not need to do this during the application process but it must be uploaded within 30 days. You will not be able to make transactions on your account until it is approved so it's best you do supply it when applying.
The following documents are acceptable as proof of employment:
If you are self-employed, we may request additional documentation depending on your line of business.
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:
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.
As part of the onboarding process, the applicant must take a selfie as part of our security protocol. This will also be needed to complete transfers or to change profile settings. Below you can find some tips to help you complete this process correctly.
Tips for taking your selfie:
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.
Zenus is a licensed and regulated bank, as such there are US and international requirements we need to meet. One of these is to Know Your Customer (KYC). To meet this obligation we need you to provide us sufficient information when you apply for an account for us to confirm you are who you say you are and that we are allowed to offer you our services. We will also periodically ask you to confirm your details are up to date and provide documentation if they have changed.
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.
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.
You do not need to be a US citizen, resident or have a US social security number to apply for a Zenus Bank account.
You do not need a US telephone number to apply for a Zenus account. You can use any mobile or landline number as your primary phone contact number.
We are a full reserve bank, so unlike other banks, we don’t lend or invest the client money to make money. Therefore, we will not run a credit check when you apply for a Zenus Bank account.
We've tried to make our account opening process as easy as possible but if you have questions about the options you need to select or the documents you need to provide please contact Client Services selecting the 'Enquiry about an account application' option.
Currently, we are only offering USD accounts. You can make international payments and transfers easily at institutional FX rates.
We've made opening an account with us as easy as we can, but we still need to complete all the regulatory and procedural checks required of a bank. If you submit all your details correctly and meet our requirements your account application will be automatically approved at the same time you make it.
If we require further supporting information we will accept your application and then contact you by email within 48hrs (business days) to explain what we need. The faster you reply to us, the sooner we will be able to provide you with a decision.
If there is no way we can open an account for you, your application will be declined. The most common reason for this is that you are located in a country we are prohibited from serving by our licenses and regulations.
If you require further information, please contact Client Services.
As part of the Zenus application process or record updates, you will be asked to submit certain documentation. The best way to do it is by following the tips below: