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

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:

Zenus Visa cards will be automatically issued in our licensed countries. Including:  Argentina, Armenia, Bahamas, Belize, Bermuda, Cayman Island, Chile, Colombia, Dominican Republic, Ecuador, Egypt, Hong Kong, Jordan, Kazakhstan, Kenya, Kuwait, Mauritius, Mexico, New Zealand, Peru, Philippines, Saudi Arabia, Seychelles, Singapore, St Vincent and the Grenadines, Taiwan, Tanzania, Turks and Caicos Islands (UK), Uganda, Uruguay, US, Vanuatu, Vietnam and Virgin Islands (UK).

Bank accounts in the following countries are not yet available with virtual or physical debit cards: Andorra, Australia, Austria, Brazil, Belgium, Bulgaria, Canada, China, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Georgia, Germany, Greece, Hungary, India, Indonesia, Ireland, Israel, Italy, Latvia, Lithuania, Macedonia, Malaysia, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Nigeria, Norway, Poland, Portugal, Qatar, Romania, San Marino, Serbia, Slovakia, Slovenia, South Africa, South Korea, Spain, Sweden, Switzerland, Thailand, Turkey, UAE (United Arab Emirates) and United Kingdom.

If not, please contact Client Services

Applying for Zenus membership takes less than 10 minutes and you can do it from almost anywhere in the world. 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.

To start your application just download the Zenus Bank app from the Apple App Store or Google Play Store.


If not, please contact Client Services

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 
  • Take the photo of just the ID page 
  • Take the photo of the passport directly




If not, please contact Client Services

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



If not, please contact Client Services

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: 

  • Employment verification letter
  • Copy of employment contract
  • Paystubs/payslip
  • A bank statement showing your salary being deposited into your account
  • Tax returns or forms for the last financial year
  • Pension distribution statement
  • Unemployment benefit statement

If you are self-employed, we may request additional documentation depending on your line of business. 



If not, please contact Client Services

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.

If not, please contact Client Services

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, Bosnia-Herzegovina, Burkina Faso, Burundi, Cambodia, Cameroon, Cayman Islands, Central African Rep, China, Congo, the Democratic Republic, Cote D'Ivoire, Cuba, Eritrea, Ethiopia, Gaza Strip, Guinea, Guinea Bissau, Haiti, Iran, Islamic Republic of, Iraq, Israel, Jamaica, Jordan, Kenya, Kenya, Kosovo, Lao People's Democratic Republic, Lebanon, Liberia, Libya, Mali, Malta, Morocco, Mozambique, Myanmar, Nicaragua, Nigeria, North Korea, Pakistan, Panama, Philippines, Russian Federation, Senegal, Somalia, South Sudan, Syria, Tanzania, Trinidad & Tobago, Tunisia, Uganda, Ukraine, Vanuatu, Venezuela, Venezuela,West Bank (Palestinian Territory, Occupied), Western Sahara, Yemen, Zimbabwe.


If not, please contact Client Services

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. 


If not, please contact Client Services

We're required by our banking license to comply with Know Your Customer (KYC) practices. Part of this is ensuring we know where you reside. You can provide us any of the following documents to demonstrate your proof of address.

Due to regulatory requirements, Zenus requests a proof of address document to validate your address.

Here are some examples of documentation that are considered as a proof of address:

  • Utility bill (Power, water or mobile) no older than 90 days 
  • Valid drivers license
  • Property tax receipt
  • Lease or mortgage agreement
  • Insurance certificate
  • Voter registration card
  • College enrollment papers.
  • Bank statement (no older than 90 days)

We can not 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.

If not, please contact Client Services

You do not need to be a US citizen, resident or have a US social security number to apply for a Zenus Bank account.

If not, please contact Client Services

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.

If not, please contact Client Services

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.

If not, please contact Client Services

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.

If not, please contact Client Services

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. 


If not, please contact Client Services