Zenbanx was started on the premise that your money is not as free or global as you are.

Zenbanx was built for citizens of the world—those who live, travel, and work in multiple currencies. You find them at airports, on the move, creating a world without borders. You find them right next door, in our neighbourhoods, creating futures for themselves and a richer culture for the rest of us. You might even find one in the mirror. Most of us, when we think about it, have connections all over the planet. We don’t live inside the lines on maps. International money transfers are cheaper using your Zenbanx account than using a bank. Period. And if you’re sending money to another Zenbanx customer in the Zenbanx directory in the USA, there are no fees.

Zenbanx is the culmination of years of observing and experiencing the frustrations that citizens faced when funding bank accounts, sending money to their home country or accessing their foreign currencies. People travel freely, money less so. Mobile technology has unleashed limitless potential for business, but banking and money movement have lagged. Isn’t it time for money to be set free too?

Opening a Zenbanx account takes 5 minutes.Opening a Zenbanx account takes 5 minutes.

Link your main bank account with Zenbanx and exchange USD into INR and other currencies from your smartphone with no transaction charges. With your Zenbanx account you will receive an International debit card and your USD savings will earn interest too! Your International debit card detects the country you are in and withdraw funds from the foreign currency position of the country you are in, provided that you hold that currency in your account. Travelling and shopping outside of the U.S. has never been this easy.

To learn more, visit Understanding How does Zenbanx Work?

What's Good About Zenbanx

Exchange funds when the exchange rate is favorable and not when you have to send money home.
Manage multiple currencies from one single account. Save when you send money to friends and family back home.
Get an International debit card to access money when travelling overseas without having to carry local cash.
Great foreign exchange rates and the convenience of using your smartphone to exchange and send funds.
All Deposits are FDIC guaranteed, and you earn great interest.



₹ Amount
$ Exchange Rate
Today's Rate
₹0 - ₹5000
Exchange Rate Type
₹ Amount
₹ Fee
Bank Account
Up to $5,000
Transfer Time
Bank Deposit - 3 Days
Transfer Type
Zenbanx Account
Daily Transfer Limit
up to $5000 - Higher Limits Available
Receiving Method
Bank Deposit
Customer Service Info
855-ZENBANX (855-936-2269)
Mon to Fri: 9am–8pm EST
Company Headquarter
Redwood City, California
Company Type
Mobile Multi-Currency Account
Mobile App
Company Established
Text Update (SMS)
Email Updates
Provider's FAQs
Referral Program
Key Feature
- Exchange funds when the exchange rate is favorable & hold INR deposits in the U.S.
- International debit card for overseas use
- Gain interest rate on your USD deposits with us
- Convenience of exchanging funds from your smartphone
Document Requirements
Drivers License (or other identifying information) & Banking Information


Established in 2012 by Arkadi Kuhlmann, founder of ING Direct, Zenbanx was created with goal of allowing money to travel more freely, eliminating the many frustrations people face managing their foreign finances. Zenbanx users can send or exchange their money domestically or internationally all from their mobile device with little or no transaction fees.

Zenbanx works by having customers set up an account, which they manage through the Zenbanx mobile app. Nine different currencies are supported by Zenbanx, including US, Canadian, Hong Kong, Singapore, and Australian dollars, British pounds, Euros, Japanese Yen, and Indian Rupees, five of which users may manage simultaneously through Zenbanx. Then the customer’s money is transferred into their Zenbanx account from their normal bank account. From there, the customer can choose to convert the money into another currency at any time.

Customers can use the money in their Zenbanx accounts to send money domestically or abroad, transfer back to their regular bank account, or make purchases by using their Zenbanx debit card. The Zenbanx debit card can even be used to make purchases and withdrawals in other countries. 

Aside from its easy-to-use and convenient mobile platform, what also makes Zenbanx an excellent remittance resource for customers is its competitive exchange rates and no transaction fees – even on smaller transactions. Customers are also given the option of earning interest rates in currency positions that pay interest. There is no minimum balance and no fees required for customers to open an account with Zenbanx and any US resident with a valid Social Security Number is eligible to open an account.

What Makes Zenbanx Different:
Zenbanx is different from other money transfer service providers in that it allows users to hold multiple currencies in their Zenbanx account, which they can convert into any currency supported by Zenbanx at any time. Unlike other remittance providers, Zenbanx also lets users exchange money when the exchange rate is good and keep those funds in their account until they need to make a transfer. Lastly, Zenbanx also provides customers with a Zenbanx debit card, which makes for easy transactions and cash withdrawals while traveling overseas. 

Zenbanx customer accounts in the United States are offered through Wilmington Savings Fund Society (WSFS) and provide excellent security. Zenbanx currently has offices in Delaware, California, and Toronto, Canada


Posted on August 28, 2016, 09:45 pm
Posted on August 30, 2016, 11:21 am

Hi Easy2send, thank you for the review! We are very happy to hear that you were able to attend our demo and take advantage of our service during your Canada trip. Cheers!

Of all the money transfers I have tried & used, Zenbanx is the BEST for the following reasons: 1) It extremely versatile to use. They have a neat, secure mobile app and a desktop version which makes it flexible whether you are at home or offsite. 2) It very quick even though it mentions 3-4 business days. Its actually same day for INR!. 3) It offers an interest which encourages people to save when not sending - an icing on the cake. 4) Their customer service is excellent. They are polite and very knowledgeable. 5) The money exchange is absolutely free and offer 9 different currencies. All with a swipe. 6) They offer a debit card with a security chip. On my recent trip to Canada, I was able to withdraw CAD with no issues. I did not have to carry anything with me. They are constantly improving their design and services and always keep customers happy and satisfied. I encourage everyone to try it or better still attend a demo to get a good understanding.

Posted on May 18, 2016, 03:56 pm
Posted on May 23, 2016, 11:08 am

Thanks for the review BobbyN!


Posted on February 14, 2016, 05:03 am
Posted on February 19, 2016, 01:07 pm

Hi Ratesh2008,

So happy to hear you've had a great experience. We hope you have a wonderful trip to India. Please keep us in the loop with your use of your multi currency debit card. We think you'll find it convenient and easy to access your rupees. Safe Travels!

-Lindsey from Zenbanx

I signed up for the Zenbanx bank account about a month ago. Great account! I have sent electronic greeting cards with a photo to my family and they get the message instantly and the rupees follow in a few days. Also, I like how you can exchange currency as a separate transaction, and get 1.25% interest on rupees until I want to send it. This gives me more control and earning interest which no one else does. I look forward to trying the visa debit card when I am in India this spring to see how that works. This is not a remittance company this is a global bank account. I did not know that when I signed up, but it's great.

Posted on February 06, 2016, 12:07 pm
Posted on February 08, 2016, 02:41 pm

Hi Vrahulan,

Thanks for your review! We hope you'll also take advantage of our current interest rates on top of competitive exchange rates. Having great Customers like you makes Customer Care's job easy and fun, so thank you!

I've been using Zenbanx for the past 4 months now and without doubt I've been impressed. Best thing about ZB is the exchange rate changes depending on the market and not locked in. Multiple currency provides the option for exchanging the currency into another when the rate is high. Only downside is the $5.95 fee involved in the transfer to non-ZB accounts. The fee is higher compared to their competitors. Customer service is prompt with your queries being address within 4 hours of sending a mail. Keep up the good work people. Cheers.

Posted on January 13, 2016, 02:38 pm
Posted on January 21, 2016, 11:31 am

We are happy to hear you were able to make the best out of your flight delay in Hong Kong by enjoying some dinner!

We’d love for you to share your story with our other customers on our Facebook page here: www.facebook.com/zenbanx

While I was at Hongkong airport, my connecting flight was delayed. I was able to pay for my dinner by converting few USD into HKD with Zenbanx debit card. It worked like a charm. No other fees were charged for the transaction.:-)

Posted on January 13, 2016, 08:50 am
Posted on January 21, 2016, 11:31 am

Having your daughter travel to Japan to teach english is very exciting! We hope that she joins Zenbanx as well.

Convenient and easy to use. Granted I have only used it for exchanging money and using the debit card but I am happy with that so far. Once my daughter moves to Japan to teach English I will be using the "send money" feature.

Posted on January 08, 2016, 01:08 pm
Posted on January 21, 2016, 11:32 am

We are glad that you joined Zenbanx and we have made your errands list smaller! Now you’ll have more time on your hands for other things that you love to do!

Despite with all the bad reviews I decided to give it a try. This money exchange concept built right in the bank account from comfort of the palm of your hand. App works with finger-print access is very cool! I am not too concern about exchange rate as I believe most of them in the market are very competitive. I always see it from convenience stand point where I no longer need to go to banks and do the wire transfer or go to WU with load of cash.

Posted on December 29, 2015, 08:10 am
Posted on January 21, 2016, 11:32 am

Great to hear that you were able to take advantage of the $50 promotion and sending money was easy!

Perfect ! Best rate for first time users. $1=Rs 68 is fantastic. Also I got the $50 promotional offer. Very easy to send the money. Just the receiver email address is enough.

Posted on December 21, 2015, 12:27 pm
Posted on December 21, 2015, 12:52 pm

Sanjeev, we are happy that you had a good experience with the promotion. We hope that you take advantage of our future promotions as well!

Only drawback is it has got lengthy and time consuming process unlike xoom who do instant deposit but it has fulfilled what ever it has promised of promotional rate of 68 and also $50 bonus awards, best worthy for first time users upto $1000 transaction.

Posted on December 16, 2015, 02:38 pm
Posted on January 21, 2016, 11:32 am

We love that you found so many benefits in using Zenbanx and appreciate your understanding of the on boarding process.

We’d love for you to share your story with our other customers on our Facebook page here: www.facebook.com/zenbanx

I have transferred money zenbanx as it new remittance its background and decided to send. Its very worth of sending with 3 benefits for INR. 1 $1 = 68(upto $500) 2. $50 Sign up bonus if u exchanged money to other currencies INR, Yen etc... 3. Referral bonus $25 for both referee and referral... Only drawback is 2 days for account setup and 2 days for amount load.But not urgent very very worth of sending money in high secure. Referral links: xxxxx.yyy