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Provider review · 4.3 advisor score

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

Open a Zenus Bank account
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Zenus Bank

US · Global

Time to open

Typically 1-2 weeks

Currencies

USD account with international transfers

To open

Account plans from about USD 25 a month

Licence status

International bank licensed in Puerto Rico (US); cover differs from standard FDIC insurance

 
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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.

Best for

Non-residents who need a real US account without a US company

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 balance

No large minimum; the plan fee applies from day one

Local transfers

Charged per wire, typically about USD 10

International transfers

From about USD 25

Currency exchange

Charged per transaction; USD is the account currency

Cards

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.

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