ENZO digital bank + cashback debit card (including physical card, virtual card, virtual card for consumption, support ACH/Wire/Plaid, support ApplePay/Google Pay)

Original link: https://www.blueskyxn.com/202208/6436.html

ENZO 数字银行+返现借记卡(含有实体卡、虚拟卡、消费虚拟卡,支持ACH/Wire/Plaid,支持ApplePay/Google Pay)

Background introduction

ENZO is an American financial company that will be launched around May 2022, and cooperates with Blue Ridge Bank to carry out digital banking business. The official website is https://www.joinenzo.com/

Like the dead Piont Card, N26US, Cheese, and the normally operating Sable, Revolut, etc., they belong to digital banks in the United States.

iOS: https://apps.apple.com/us/app/enzo-wealth/id1583834324

Android: https://play.google.com/store/apps/details?id=com.enzowealth.platform&hl=en_US&gl=US

Account opening conditions

  1. The tax ID number ( the actual measurement is ITIN and SSN ) requires 9 complete digits
  2. U.S. credit history/credit score (otherwise further verification may be required)
  3. US address (physical card will be sent automatically , virtual card is available immediately)
  4. US mobile phone number ( support GV , often send SMS verification code)

Tips: No identity proof, face verification, address proof, income proof (don’t ask)

Invitation code: C5KYQ6SU8 or A74KWBJU5

WARNING

  1. If the risk control is triggered due to address/credit issues, ID authentication will be required (photograph, no face, as shown in the figure below) and then it will be reviewed.
  2. The official said on the homepage: “Who is eligible to join Enzo? You must be a U.S. citizen and over 18 years old.” So it is risky to open this thing like this, it may not recognize the passport, and even ITIN can open an account.
  3. The new company, the risk control situation is not clear, and it is not known whether it will swallow money.

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Service Introduction

First of all, there is no account opening fee, monthly fee, or card opening fee. FTF 1%. Free US wire transfers.

They offer a high interest rate US checking account (supports US Wire and US ACH, does not support SWIFT for now, routing number 051402372) (at 20220822, the USD current interest rate is as high as 2.18%, compared to the 1.7% for Discover and 1.7% for barclaysus current. The interest rate is 1.8%)

At the same time for debit cards (card BIN is 414447, VISA ordinary grade debit card, non-prepaid, non-commercial)

There are multiple debit card services: 1, virtual card, 2, ghost card, 3, physical card

  1. Open an account and get a virtual card immediately (can be renewed at any time, supports ApplePay/Google Pay)
  2. The ghost card targets the virtual card business of Revolut, CapitalOne, and CITI.
  3. The physical card will be mailed automatically when opening an account (standard 5-8 working days, the validity period and security code are required to activate the physical card).

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At the same time, the debit card provides 1%+ Cash bank cashback, which is also a rare CashBack Debit Card. Some merchants have more than 1%, you can refer to the official document https://help.joinenzo.com/hc/en-us/articles/5350985074324-How-does-cashback-work-starting-on-May-1-2022- . The maximum cashback is $2,500 per year , which is much more than the 30*12=360 of the Discover Cash Back Debit Card.

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other details

ghost card

The ghost card targets the virtual card business of Revolut, CapitalOne, and CITI.

The card BIN is the same as the ordinary card, but the transaction is limited to USD 30 per day (I don’t know whether to follow the card or follow the number, and whether there is a card opening limit. Of course, there can only be one ghost card at the same time, and the ghost card does not affect the virtual card and the physical card.) Renewed.

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transfer

ACH Push and Pull can be initiated in the App, but it is required to use Plaid binding (in theory, WISE USD account also supports this)

Both incoming and outgoing shows estimated 3-5 business days.

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ApplePay

If you use a US Hosting IP, you will need to call to verify. It can be directly connected to mainland China.

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