FAQs | Zenus Bank

You may hear terms like "neo-bank", "challenger bank" or "electronic money institution" - we are none of these. We are an international digital bank and as such compare ourselves to other international banks.

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If you're not able to find the answer you need in our Support section you can leave us a message or email us at clientservices@zenus.com.  

Or if you'd rather speak with you can reach Zenus Client Services on: + 1-787-936-1111 

Alternatively, we have toll-free numbers available for the following countries:

Toll-free numbers

Columbia:  +01-800-519-0544

United Kingdom:  +0800-066-8147

Spain: +900-95-3449

Argentina:  +0800-345-1544 

Brazil: +0800-891-3584

Mexico: +800-872-0669

Germany:  +0800-181-0372

France: +0800-94-5791

US: +833-936-8711

Lines are open Mon-Fri 9:00 am-6:00 pm AST.

For digital concierge and emergency card services please call Visa:

US or Canada: +1-800-396-9665 (Toll-free)

Any other country: 303-967-1098 (Collect calls via operator)

Lines are open 24x7x365 and support Spanish, English & Portuguese.

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Zenus Bank is not a scam, Zenus is a digital bank, licensed and regulated as an International Financial Entity.

Our aim is to open US banking to the world, breaking down financial barriers and giving people the edge in life.

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The meaning of Zenus is a combination of two words:

ZEN: a state of calm attentiveness.

US: referring to United States.

Our name was inspired by the combination of those two keywords because that is our aspiration for doing business. Zenus means financial freedom, it means no financial barriers. Zenus Bank will provide easy and flexible ways to manage your funds. As a client of Zenus Bank, you will have peace of mind and a secure U.S. bank account.

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By having an account with Zenus, you can enjoy the following benefits:

You can transfer or pay anyone, anywhere, with our automated digital banking services.
You can transfer funds for free between Zenus accounts (ZenTransfer).
You can hold your funds in USD to avoid fluctuations in your local currency.
You can enjoy Visa Infinite benefits included with your card.
You can access online banking for better management.
You will have quick access to your finances at all times.

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We’re a digital bank, so we don’t have physical branches but do have a head office. If you’ve been asked for Zenus’ address for direct debits, please use:

Zenus Bank
252 Avenue Juan Ponce de Leon
City Towers
San Juan
Puerto Rico
00918

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Zenus Bank International is a modern digital bank offering fast, flexible, and transparent US banking for people and businesses around the world. We are regulated as an International Financial Entity, headquartered in San Juan, Puerto Rico.

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Zenus is a digital bank; we do not have physical branches. We can offer the same level of service and convenience to you without you needing to visit a building to speak with us.
If you need cash and hold a physical Zenus debit card, you can access one of the largest global ATM networks and withdraw cash in over 200 local currencies.

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Zenus Bank's HQ is 252 Av, Juan Ponce de Leon 19th Floor, San Juan, 00918.

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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.

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Puerto Rico is a US territory, not a US state. It means our IFE license gives us the ability to open bank accounts for people around the world without needing to have a banking license in all of those countries or US states.

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As a full reserve bank, Zenus Bank does not provide credit cards or other lending services.

Zenus provides a Visa debit card as we are a Visa Principal partner. This partnership means Zenus Bank cards and services are supported by Visa, which gives us access to one of the largest global ATM networks, offering cash access in over 200 countries.

You will be able to use your Zenus Visa debit card anywhere in the world. After you have opened your Zenus account, if applicable, you will be provided with a digital debit card and the opportunity to order a physical one.

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To see our terms and conditions, follow the steps below:

Download the app
Click on 'apply for an account'
Select 'personal account'
Read the application process
Click on 'begin process'
Select 'start a new process'
Our Personal Client Agreement is located here

If you are a client already, you can view our terms and conditions through the Zenus app or via online banking, following the steps from zenus.com or as shown below: