Summary
Zenus Bank provides global banking and fintech solutions, offering US bank accounts and international money transfer services for individuals, financial institutions, and corporate entities worldwide. They facilitate multi-currency payments, offer Visa debit cards, and provide API integration for businesses.
Features9/15
See allMust Have
4 of 5
Transparent Low Fees
Multi-Currency Account
Borderless Debit Card
Fast Transfer Execution
Mid-Market Exchange Rate Transfers
Other
5 of 10
API Integration
Business Account Features
Mobile App
Regulatory Compliance
Customer Support
Batch Payments
Real-Time Rate Alerts
Invoice Creation
Spending Analytics
Multi-User Access
PricingTiered
See allZenus Infinite Account
- US Bank Account
- Zenus Visa Infinite Debit Card (first card free)
- 24/7 access
- Online banking
- US banking for foreigners
- Banking for expats
- Foreign exchange
- International money transfers
- Large money transfers
- International students
- Freelancers and digital nomads
- Wire transfers in US (Free to account)
- Zenus Transfers (Free to/from account)
- Wire/SWIFT transfers (Free to account)
- Visa Direct (Incoming/Outgoing)
- ATM withdrawals
- POS purchases
- Travel benefits
- Purchase benefits
- Lifestyle benefits
- Mobile App (iOS/Android)
- Account Application fee: $50.00
- Wire transfers out of US: $25
- Wire/SWIFT transfers out of account: $25
- ATM withdrawals: $1 per transaction
- Replacement Zenus Visa Infinite Debit Card: $50
- Banking Reference: $25
- Printed Account Statement and Delivery: $25
- Document Delivery: $25
- SWIFT Message Copy: $25
- SWIFT Investigation: $25
- Telephone Banking Transactions: $25
- Account Closure Administration Fee: Up to $25
- ATM Balance Inquiries: $1
- Inactive Account monthly fee: $25
- Visa Direct Incoming Daily: $360
- Visa Direct Incoming Weekly: $2520
- Visa Direct Incoming Monthly: $10800
- Visa Direct Outgoing Daily: $2500
- Visa Direct Outgoing Weekly: $10000
- Visa Direct Outgoing Monthly: $25000
- ATM withdrawals Daily: $500 (3 transactions)
- ATM withdrawals Weekly: $3500 (21 transactions)
- ATM withdrawals Monthly: $15000 (90 transactions)
- POS purchases Daily: $5000 (9 transactions)
- POS purchases Weekly: $35000 (63 transactions)
- POS purchases Monthly: $50000 (270 transactions)
- Not FDIC-insured
- Account opening subject to country eligibility and approval
Financial Institutions
- USD accounts
- Embedded accounts
- Settlement accounts
- Blocked accounts
- SWIFT
- FedWire
- US ACH
- Multi-Currency
- Stablecoins
- P2P Book Transfers
- Card-to-Card
- Visa B2B Connect
- Fast Funds
- Visa BIN Sponsorship
- Processor agnostic
- Fastrack program
- Online banking
- Developer hub
Corporate Entities
- USD accounts
- Sub accounts
- Treasury virtual accounts
- Online banking
- Developer hub
- SWIFT
- FedWire
- US ACH
- Multi-Currency
- Stablecoins
- P2P Book Transfers
- Card-to-Card
- Visa B2B Connect
- Fast Funds
Rationale
Zenus Bank offers international money transfers and multi-currency accounts for individuals and businesses, aligning with the core concept. They explicitly mention 'low-cost, high-speed payments' and 'competitive exchange rates', which aligns with transparent low fees and implies a favorable exchange rate, though not explicitly 'mid-market'. They offer multi-currency accounts and a Visa Infinite card for international spending. The website also highlights fast transfer execution, API integration, business account features, a mobile app, and regulatory compliance. While they mention 'competitive exchange rates', the explicit 'mid-market exchange rate' is not stated, which slightly reduces confidence for that specific feature.
