We don’t have branches, But do have the answers…

Zenus uses the market rate for currency exchange. Sometimes this is called the mid-market rate, Interbank rate and spot rate amongst other things.

The real exchange rate is the mid-point between the BUY and SELL rates on the global currency markets and it constantly fluctuates. It’s the rate you find on Reuters, Google, finance.yahoo.com, etc. and the rate that TransferWise uses.

As we use smart technology for most of our transfers, we simply take in rate data from these sites and apply it when converting your money.

Once you create your transfer, we also fix the rate for a certain amount of time. Please check our guaranteed rate page for more details. You can see more information on our dedicated mid-market rate page.

If not, please contact Client Services

Zenus Bank does not offer the option to hold, invest, or manage cryptocurrencies in our bank accounts. We also do not support or facilitate any activities related to cryptocurrencies.

If not, please contact Client Services

You can send and receive transfers from countries not under sanctions, typically those where you can open an account with us. To find the list of eligible countries, please click the link below titled 'Which countries can I apply from?' If your country is not listed, it's due to our licensing and regulatory constraints that prevent us from operating there.

Which countries can I apply from?

If not, please contact Client Services

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. 

If not, please contact Client Services

Currently, Zenus Bank does not send rate alerts. We only check the exchange rate at the moment of transaction. 

If not, please contact Client Services

You can make international payments during the weekends. The transaction(s) may not go through until business hours. 

If not, please contact Client Services