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Zenus Bank
Zenus is a Puerto Rico-based option I included mainly for people who get blocked by the usual fintech and US banking eligibility rules. It can be opened remotely without an SSN, and it’s often available in far more countries—but I treat it as a payment gateway, not a place to park large balances.
Pros
- +Remote opening and no SSN requirement
- +Broader country eligibility (often works where others don’t)
- +US routing/account access for USD transfers
Cons
- -Monthly fee (Zenus is $20/month)
- -No FDIC insurance (Puerto Rico regulatory framework differs)
- -Higher risk profile—best used to receive and move funds out regularly
Featured in this video
Zenus Bank
Available on Zenusbank
External purchase
Highlights
- +Remote opening and no SSN requirement
- +Broader country eligibility (often works where others don’t)
- +US routing/account access for USD transfers
Recommended by
Hessel