Zenus Bank: fees, currencies and how to apply.
A US account and card for non-residents, without a US company
- 1-2 weeks
- Time to open
- 4.3
- Advisor score
- Paid plan
- Monthly cost
- Time to open
- Typically 1-2 weeks
- Currencies
- USD account with international transfers
- To open
- Account plans from about USD 25 a month
Advertising disclosure. Some links on this page are affiliate links. If you open an account we may be paid a fee, at no extra cost to you. Order is set by our published criteria and cannot be bought.
What Zenus Bank actually is
Zenus is licensed as an international bank in Puerto Rico, a US territory, and regulated by OCIF. That makes it one of very few genuine banks that will open a US account for a non-resident remotely, with no US entity and no US visit.
Because it is an international banking entity, protection differs from a standard FDIC-insured US bank, and the product set is narrower than a full business bank.
Fees and pricing
Checked against the provider's published pricing in September 2026. Figures vary by country and plan.
- Monthly fee
- Account plans from about USD 25 a month
- Minimum to open
- No large minimum; the plan fee applies from day one
- Incoming USD wires
- Charged per wire, typically about USD 10
- Outgoing international wires
- From about USD 25
- Currency conversion
- Charged per transaction; USD is the account currency
- Debit card
- Visa debit card included on paid plans
Where it works well
- A licensed bank, not an e-money provider
- US account details for a non-resident with no US company
- Remote onboarding with a debit card
Watch out for
- Puerto Rico international bank licence, so cover differs from standard FDIC insurance
- Monthly plan fee with no free option
- Narrower feature set than a full business bank
Who can open it
- Individuals and companies from most countries, with a sanctions and high-risk exclusion list
- No US entity, US address or US tax number required
- Source of funds evidence for the expected balance
Documents to prepare
- Certificate of incorporation and company registry extract
- Passport and proof of address for every director and owner above 25%
- Description of the business, customers and expected monthly volumes
- Passport verified by video or selfie
- Source of funds evidence such as payslips, financials or a sale contract
Ready to apply to Zenus Bank?
Have the documents above ready and the application usually takes under 20 minutes.
Affiliate link. We may be paid a fee; it does not change this ranking.