# Zenus Bank — U.S. banking for the world > Digital U.S. bank for global users with international debit card and transfers. (iPhone/iPad app by Zenus Bank International, Inc.) - Source: https://appshunter.io/ios/app/zenus-bank/id1536224222 (this page in markdown: same URL + `.md`) - Developer: [Zenus Bank International, Inc](https://appshunter.io/developer/1536224224) - Category: Finance - Price: Free - Rating: 3.04/5 from 26 App Store ratings · 21 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 46 MB - Languages: English - Released: 2021-07-06 - Data updated: 2026-06-10 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/zenus-bank/id1536224222/reviews.md ## What is Zenus Bank? Receive a metal Visa Infinite Debit Card with your account and access your money in local currencies around the world. Hold funds securely, make and receive instant payments with ease and enjoy free international transfers with Zen Transfers to any other Zenus client. Our app and online banking services give you the control and freedom to manage your money from anywhere in the world. Access your accounts, manage payments, check your statements and much more. 24 hours a day. We keep your personal and financial details secure with high-level encryption, and the latest bio-metric recognition technology. Why open a Zenus account? · Fully regulated U.S. digital bank · Fully digital application process without having the visit a branch · Do not need to be a U.S. citizen or resident · No minimum balance requirements · Visa Infinite Debit Card benefits · Metal Visa Infinite Debit Card upon request · Access local currencies at ATMs in over 200 countries · Unlimited free instant ZenTransfers · Flat fee, unlimited ACH Payments · Flat fee, unlimited Wire/SWIFT transfers · Institutional FX rates · Safe and secure Apply now. *Excludes countries sanctioned by the U.S. Department of the Treasury, OFAC and others selected by Zenus Zenus Bank is licensed and regulated by the Office of the Commissioner of Financial Institutions (OCIF) in Puerto Rico, USA as an International Financial Entity (license #IFE-061). Zenus™ is a trademark of Zenus Bank International Inc. Visa is a registered trademark of Visa International Service Association. ## Key features - Metal Visa Infinite Debit Card - Hold funds in local currencies - Instant global payments - Free international transfers - Digital account management - Secure biometric recognition ## Recent user reviews (10 of 21) All indexed reviews: https://appshunter.io/ios/app/zenus-bank/id1536224222/reviews.md ### 1/5 — Scam *2025-05-11, version 3.0.5* ⚠️ WARNING: Zenus Bank is a trap for non-residents! You pay $50 just to apply, even if they reject your application — and it’s non-refundable. Then, they charge a $50 monthly membership fee whether you use the account or not. If you miss 3 monthly payments, your account will be suspended and you may lose access to your funds. Also, your money is NOT FDIC insured — if anything happens to the bank, your money could be lost forever. Be very careful before signing up. ❌ ⸻ ⚠️ تحذير: بنك زينوس فخ للناس اللي مش عايشة في أمريكا! بتدفع ٥٠ دولار لمجرد التقديم، حتى لو اترفضت — والرسوم دي غير قابلة للاسترداد. بعد كده بيخصموا ٥٠ دولار اشتراك شهري سواء استخدمت الحساب أو لأ. لو ما دفعتش الاشتراك لمدة ٣ شهور ورا بعض، الحساب بيتوقف وممكن تخسر فلوسك. وكمان الفلوس مش عليها تأمين FDIC، يعني لو البنك حصل له حاجة، فلوسك راحت. خلي بالك قبل ما تسجل. ❌ ### 5/5 — Scam??? *2025-03-20, version 3.0.5* What is wrong with some of you people and what world do you live in? the world that we live in today, What services can you get for free? Yes this my own opinion. $50 fee for application is a little steep In my opinion but understandable. Some of us are you coming here because we may not be able to get an account with our local bank for various reasons. Therefore, you may have an issue getting account here. That’s just my own opinion and my own situation so if I choose to apply, I’ll apply fully aware that my account may not be approved due to my own financial inconsistencies. ### 1/5 — Achtung Betrug!!!! *2025-02-04, version 3.0.4* Man muss vorab 50 USD Bearbeitungsgebühr zahlen und bekommt nichts! Support antwortet nicht! Einfach nur Abzocke. ### 1/5 — Scam *2025-01-27, version 3.0.4* A new way to scam people, they declined any application. They will get the money and decline the application ### 1/5 — Abysmal IT and customer service *2025-01-20* On the 5th of December 2024, I downloaded the Zenus Bank app and tried to open a bank account. Unfortunately, the passport Scan function to verify my identity was not working with my IPhone 15. I contacted the customer service department the same day, December 5th 2024. Three weeks later, the Zenus Bank IT department had still not resolved their passport scan issue on their app, and I was still unable to create a Zenus bank account. I requested a refund from the company until their issue was resolved, and they advised me they would proceed with a refund on December 26th 2024. Almost a month later, January 20th 2025, and I have still not received any refund from Zenus. I have unfortunately now had to file a dispute through my Credit Card provider. Absolutely abysmal customer service and IT department with immense delays and not following up on their actions. Avoid this app and this bank. **Developer response:** Hello Freddy, our non-refundable $50 application fee helps cover regulatory checks and internal reviews necessary for processing. Our team carefully reviews applications based on the documents provided and may decline an application with a valid reason for the decision. Feel free to email us at clientservices@zenus.com or call +1-833-936-8711. ### 5/5 — Kindly respond *2024-07-11, version 3.0.3* Hi Team Zenus, I am a foreigner living in Italy and i work in Italy and have Italian resident permit can I open a us Zenus account? Because they I read where they wrote the 50$ is not refundable kindly reply ### 1/5 — I paid but got nothing *2024-07-10, version 3.0.3* I paid the fee and then I typed in all the informations needed. At the end, on the last step, the app has an error message that can’t be solved, it looks like a bug and done. I asked to get my money back, they said no. I will also inform apple about that because you need first to pay the fee and then the app has an issue. That’s not ok! ### 1/5 — 100% scam *2024-05-04, version 3.0.2* $50 deducted from my account and it’s been a months the account hasn’t been activated yet.. I’ll not recommend this app evento my worst enemy. ### 1/5 — Unable to register *2024-01-24, version 3.0.0* Unable to register, tried from two devices. ### 1/5 — Fraud *2023-12-16, version 3.0.0* Its fraud app, don’t fall prey for it. The money never gets credited and no response from customer service department, it’s all fraud ## Frequently asked questions about Zenus Bank ### What is Zenus Bank? Zenus Bank is a fully regulated U.S. digital bank that offers banking services to individuals worldwide. It allows users to open an account digitally, receive a metal Visa Infinite Debit Card, and manage their money globally. ### What are the key features of the Zenus Bank app? The app allows you to hold funds securely, make and receive instant payments, and enjoy free international transfers to other Zenus clients. You can also manage your accounts, check statements, and access your money in local currencies worldwide through the Visa Infinite Debit Card. ### Is Zenus Bank free to use? The app itself is free to download and use for managing your account. While the description mentions flat fees for ACH and Wire/SWIFT transfers, it also highlights unlimited free instant ZenTransfers between Zenus clients. Specific details on other fees would be available within the app or on their website. ### Who can open a Zenus Bank account? You do not need to be a U.S. citizen or resident to open a Zenus account. The application process is fully digital and does not require visiting a branch. However, it excludes countries sanctioned by the U.S. Department of the Treasury and others selected by Zenus. ### How secure is Zenus Bank? Zenus Bank prioritizes security with high-level encryption and the latest biometric recognition technology to protect your personal and financial details. The bank is licensed and regulated by the Office of the Commissioner of Financial Institutions (OCIF) in Puerto Rico, USA. ## Version history (last 5 releases) ### 3.0.5 — 2025-03-05 App improvements ### 3.0.4 — 2024-12-27 Security update ### 3.0.3 — 2024-06-25 Security Update ### 3.0.2 — 2024-04-02 Thank you for using Zenus Bank! To make your experience simpler and faster, we’ve made performance improvements to the app. Keep it updated so you’ve always got the latest and greatest. ### 3.0.1 — 2024-03-22 Thank you for using Zenus Bank! To make your experience simpler and faster, we’ve made performance improvements to the app. Keep it updated so you’ve always got the latest and greatest. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*