Zenus markets itself as a global digital bank, but behind the polished interface lies a truly disappointing experience. I deposited $100 expecting a simple onboarding process. Instead... See more
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I really liked using Zenus Bank. But I had 2 problems using it: First, membership fees were too much. Second, I couldn’t link my card or bank account directly to PayPal and Apple Wallet. Otherw... See more
Company replied
Since day one and i've never seen an online banking with these skills and i can hold more than 1800 USD in the account with peaceful mind and i already did ! And the most important thing is there is... See more
Company replied
I open an account and close it the same day. It's not really a bank, as it uses an intermediary bank like JP Morgan to receive money, this complicates transfers and makes them more expensive. I do n... See more
Company details
Written by the company
Open a US bank account in under 10 minutes from over 180 countries without the need to be a US citizen or resident. Keep your money safely in the United States, make online payments, transfer money globally and have your funds available 24/7 around the world.
Contact info
Zenus Tower, 252 Avenida Juan Ponce de León 19th Floor, 00918, San Juan, Puerto Rico
- +1 833-936-8711 (toll-free)
- clientservices@zenus.com
- zenus.com
2.5
Poor
30 reviews
Replied to 25% of negative reviews
Typically replies within 1 week
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Looks Modern, Acts Like a Trap – Stay Away from Zenus Bank
Zenus markets itself as a global digital bank, but behind the polished interface lies a truly disappointing experience.
I deposited $100 expecting a simple onboarding process. Instead, I was blocked from using the account, never received proper access, and yet they started charging me monthly “membership fees” of $19.99 — even though I couldn’t use a single service.
For weeks I tried to close the account and recover my balance. They responded slowly, made excuses, and kept charging. Two months later, nearly half my balance was gone — for absolutely nothing.
When I finally got a call and was told a refund and closure would follow, the rep mentioned a form to complete — but no form was actually attached. Just more confusion and delay.
This feels more like a black hole for customer funds than a bank.
The double charge at signup? Only fixed after I got my credit card provider involved. The refund of the remaining balance? Still waiting.
If you're looking for a trustworthy digital bank, Zenus is not it. Opaque, disorganized, and borderline exploitative.
Avoid at all costs.
#ZenusBank #CustomerBeware #DigitalBankFail #ZenusReview #StayAway
March 26, 2025
Unprompted review
Not really a bank
I open an account and close it the same day.
It's not really a bank, as it uses an intermediary bank like JP Morgan to receive money, this complicates transfers and makes them more expensive.
I do not recommend it at all.
June 1, 2025
Unprompted review
Stay away
Events in order :
- Asked if i'm eligible. support said yes.
- Applied. paid the money
- Got rejected with no clear reason or guide on how to fix the application.
May 10, 2025
Unprompted review
After reviewing all the previous…
After reviewing all the previous reviews. I have come to the conclusion is that this is fraud app.. thanks guys I am safe now..
March 27, 2025
Unprompted review
Reply from Zenus Bank
We’re sorry to hear that you feel this way about our services. At Zenus Bank, we take security and customer satisfaction very seriously. We would love to understand your concerns better and assist you. Please reach out to us at Clientservices@zenus.com or call us at +1-833-936-8711. Our Customer Service agents are available Monday to Friday from 9:00 AM to 6:00 PM (AST)
Denied without reason
I sent all the requested information, carefully filled out the form, satisfied all the requirements and paid the $50 application fee. A few days later I received an email saying that it was denied, no specific reason given. That was that.
March 20, 2025
Unprompted review
Reply from Zenus Bank
Hello Gustavo. We regret to inform you that your application for an account with us has been declined in accordance with our internal policies. Unfortunately, we are unable to provide specific details regarding the reason for the rejection. This decision was made by our internal team, and we respect their discretion in this matter.
FRAUD AND THEFT
FRAUD AND THEFT – ZENUS BANK
DO NOT USE ZENUS BANK. If you want to keep your money then do not use Zenus Bank. I had a client pay me 9 weeks ago and Zenus Bank keep saying they are busy and will get to my transfer but then you get nothing. They stole my hard-earned money. Money I need for my Kids for Christmas. I needed to pay my rent and put food on the table for my family.
You see how the executives with Zenus Bank are attending parties all over the world with money they stole from there customers. They are not registered in the US so they answer to no one. I even begged the owners and executives at Zenus via LinkedIn to release my money and still just got ignored.
They have a customer support team that promise they will get back to me and never do. I have called more than 20 times and sent emails almost daily. They do not care. That’s $95 in fees so far for nothing and they stole thousands of dollars.
They will keep your money and you will not get a cent back. Be Warned.
#ZenusBank #Zenusfraud #Zenustheft #zenusbankfraud #zenusbankfraud #fraudwarning #zenusdonotuse #ZenusBank #USBank #BankingBeyondBorders
January 6, 2025
Unprompted review
Reply from Zenus Bank
Hello Kevin, we sincerely apologize for the inconvenience you’ve experienced with your fund transfer process. One of our Client Services agents reached out to you yesterday at the phone number we have on file to provide updates regarding the status of your transfer. Your satisfaction is our priority, and we are committed to resolving this matter promptly. Please don’t hesitate to reach out if you have any further concerns or need additional assistance.
FRAUD!!!!!!!!!!!!!!!!!!!!!!!
FRAUD!!!!!!!!!!!!!!!!!!!!!!!
With the excuse that they have problems with the app they don't refund the sum nor do they give any indication on how to solve it! Beggars!
November 19, 2024
Unprompted review
Reply from Zenus Bank
We sincerely apologize for your experience and understand your frustration. Our goal is to resolve any issues promptly. Please contact our Client Services team at clientservices@zenus.com or call us at +1-833-936-8711 so we can review your case and provide a solution as quickly as possible. Your feedback is important to us, and we’re here to help.
Reply from Zenus Bank
Hello Mario, thank you so much for your positive feedback! We're delighted to hear that you find our system easy to use and that our customer service has met your expectations. Your satisfaction is our priority, and we're here to help with any questions or further support you may need.
Thanks again for choosing Zenus Bank!
On line
Going online and being able to do banking a thousand miles aways. It takes a few hours and funds gets transfer to another continent without any hassles.
October 28, 2024
Reply from Zenus Bank
Hello Johannes,
Thank you so much for sharing your positive experience! We're thrilled to hear that our online platform has made banking from afar so smooth and efficient for you. Providing seamless, hassle-free international transfers is one of our top priorities, and we're glad we could deliver that for you.
If you ever have any questions or need assistance, please don’t hesitate to reach out at Clientservices@zenus.com or call us at +1-833-936-8711. We're here to help!
Thank you for choosing Zenus Bank!
Reply from Zenus Bank
Hello Darwins,
Thank you for the fantastic review and for highlighting our customer service and transaction experience! We're thrilled to know we've met your expectations and are here to support you anytime.
Thanks for being a part of Zenus Bank!
Decent international bank
The bank provided good service, and the customer support department was helpful. Their app is basic, but functional.
Unfortunately, they closed my account after 1,5 years of use without providing the reason. I can only assume that was due to me carrying a Russian passport (though I'm a resident of a different country), or due to making purchases on Play-asia.
November 1, 2024
Reply from Zenus Bank
Hello,
Thank you for your honest feedback. We're glad to hear that you found our service and customer support helpful and that our app has served your needs effectively.
We understand your concerns about the account closure and apologize for any inconvenience this may have caused. Please know that account reviews are conducted as part of regulatory requirements, and decisions are based on several factors, including adherence to compliance guidelines.
Thank you for choosing Zenus Bank, and we value the opportunity to assist you.
Reply from Zenus Bank
Thank you for your feedback Alberto! We're sorry to hear that you find the app difficult to use. We’re continuously working to improve the user experience, and your input is valuable. If you have specific suggestions or issues you'd like to share, please let us know!
I liked using Zenus Bank but...
I really liked using Zenus Bank.
But I had 2 problems using it:
First, membership fees were too much.
Second, I couldn’t link my card or bank account directly to PayPal and Apple Wallet.
Otherwise everything was fine.
I hope you consider looking for better solutions for these problems.
Thanks
October 29, 2024
Reply from Zenus Bank
Thank you for your insightful review, Omar! We’re pleased to hear that you had a positive experience with Zenus Bank. We value your feedback on the membership fees and the difficulties you faced linking your card or bank account to PayPal and Apple Wallet. We’re always seeking ways to enhance our services and will consider your suggestions. If you're encountering these issues, don’t hesitate to reach out to us at clientservices@zenus.com or by phone at +1-833-936-8711. We appreciate your support!
The service it’s excellent but could be…
The service it’s excellent but could be better to improve
October 29, 2024
Reply from Zenus Bank
Thank you for your feedback Jose! We're thrilled to hear that you find our service excellent. We always strive for improvement, so if you have specific suggestions on how we can make it even better, we would love to hear them!
Overall great experience
Overall great experience, and seamless self-service options. Customer Service generally aren't the best, but that's typical in banks.
October 29, 2024
Reply from Zenus Bank
Thank you for your feedback Khaled! We're glad to hear you had a great experience and found our self-service options seamless. We appreciate your comments about customer service and recognize that there’s always room for improvement. Your insights are valuable, and we'll continue to work on enhancing our service. Thank you for choosing us!
Since day one and i've never seen an…
Since day one and i've never seen an online banking with these skills and i can hold more than 1800 USD in the account with peaceful mind and i already did !
And the most important thing is there is no hidden fees wow !
January 1, 2024
Reply from Zenus Bank
Thank you for your fantastic review Mostafa! We're thrilled to hear that you've had such a positive experience with our online banking services and that you appreciate the transparency with no hidden fees. It's great to know you feel secure holding your funds with us. We look forward to continuing to meet your banking needs!
Great Bank
Im happy that im Banking with them now its been more than a year and im really happy with their service its a VIP type of banking service and their support really fast and reply immediately as they have a phone number to call too
October 28, 2024
Reply from Zenus Bank
Thank you for your wonderful review Bilal! We’re thrilled to hear that you’re happy banking with us for over a year and appreciate the VIP-level service you’ve experienced. It’s great to know that our support team has been responsive and helpful. We look forward to continuing to provide you with excellent service!
DO NOT waste your time and money on…
DO NOT waste your time and money on this bank. My application was declined, likely because I am in Australia. Their approval process is unclear and inconsistent. They ask for ID and proof of address but then reject applications without verifying income or employment.
What's worse, they charge a non-refundable $50 fee just to apply. The information on their website is misleading and does not clearly state the potential for automatic rejection based on location.
A quick Google search reveals numerous complaints from other users experiencing similar issues. Whirlpool forums reviews and highlight widespread problems with this bank.
Zenus Bank offers no benefits like FDIC insurance, so there's no reason to endure their frustrating application process. It seems they readily accept applications knowing full well that many will be automatically rejected due to location.
I strongly advise avoiding this bank and urge others to spread the word about their deceptive practices. I will be sharing this experience on as many platforms as possible to warn others of what they are getting into with Zenus Bank.
July 30, 2024
Unprompted review
Reply from Zenus Bank
Hello Kritin, Thank you for reaching out to us regarding your experience with Zenus Bank. We appreciate your feedback and understand your concerns. However, we would like to clarify some points with you.
Our website contains detailed information about the countries from which you can apply for a Zenus account. As you mentioned, residents in Australia are eligible to apply. Unfortunately, due to regulatory reasons, we do not issue virtual or debit cards to Australia at this time. For further details, please visit our support page: https://bit.ly/3Tn5UN1. Our approval process involves verifying various aspects, including ID and proof of address. However, we acknowledge that this can sometimes lead to misunderstandings, particularly if the application does not meet all criteria.
We charge an application fee as this helps to cover the costs associated with the processing of applications. Rest assured, we strive to provide clarity in our application process and highlight all necessary requirements. Zenus Bank is a fully licensed institution, and we are committed to maintaining transparency and regulatory compliance.
We regret to hear about your negative experience during the application process. Your feedback is valuable, and we're always looking for ways to improve our services. If you have more specific issues you'd like to discuss, please feel free to reach out to our Client Services team at Clientservices@zenus.com or call us at +1-833-936-8711. Client Services agents are available Monday through Friday from 9:00 am to 6:00 pm (AST).
Thank you for your understanding.
I made my fist deposit but they are lying it hasn’t arrived at all
I made my fist deposit. They act as it never arrives. Thieves, beware. Don’t use this scammy app. Complete useless customer service.
June 21, 2024
Unprompted review
Reply from Zenus Bank
Hello Stamen, thank you for reaching out to us. We understand your concerns regarding your deposit, and we want to assure you that we take these matters seriously.
At Zenus Bank, we have a specific time frame for transfers to arrive, and we diligently escalate client matters to our internal team responsible for transactions to ensure that every issue is addressed promptly. We are committed to providing you with the assistance you require.
For detailed information about transfer timings and processes, we encourage you to visit our support page at the following link: https://zenus.com/en/support/services/transfers/.
If you have any further questions or need additional support, please feel free to reach out to our Client Services team at Clientservices@zenus.com or call us at +1-833-936-8711. Client Services agents are available Monday through Friday from 9:00 am to 6:00 pm (AST).
Don't waste your money! NOT trustworthy
Don't waste your money!
A month ago I applied for an account with ZENUS and had to use their app to do so.
After payment of $50 and almost going through the whole process, the app died and I could NOT log into the account, redo the steps, nor did I get an email about account creation.
I contacted support and they needed 2 weeks just to tell me to try again. As they didn't provide any guidance on how NOT to pay again, I asked for a refund of my money.
Without success. They said it was not an account opening problem, but an app problem..
In my book these are not honest business practices.
Not sure if this is a scam.
May 10, 2024
Unprompted review
Reply from Zenus Bank
Hello Heinrich. Thank you for reaching out regarding your recent experience with Zenus Bank. We understand your frustrations and appreciate the opportunity to address your concerns.
We do charge a non-refundable application fee of $50, which helps cover the costs associated with the application process. We apologize for the inconvenience you faced while using our app, as we strive to provide a smooth experience. Regarding your situation, our Client Services department is open to help as they escalate your matter to our Technical department for assistance to investigate the app errors you faced. They specialize in resolving technical difficulties and can provide the necessary support. It’s important to escalate such matters to ensure they are properly addressed and this requires time.
if you have any further questions or require assistance with this concern, please don’t hesitate to reach out at Clientservices@zenus.com or call us at +1-833-936-8711. Client Services agents are available Monday through Friday from 9:00 am to 6:00 pm (AST).
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