DNERO
A borderless account for the Latino economy: get paid in the US, send to Mexico for a flat $2, spend on a cashback debit card.
US↔Mexico account for Latinos; flat $2 transfers; deposits at Zenus Bank (PR), not FDIC-insured.
- Who holds it
- A sponsor bank behind the brand — not the app you signed up with — Partner bank: Zenus Bank International (Puerto Rico, OCFI-regulated) holds deposits and issues the Visa debit card; not FDIC-insured; program manager Connect Fintech.
- The ledger
- Split between a program manager and the sponsor bank — the modular setup that broke in Synapse.
- If it fails
- Any claim runs through the sponsor bank, and only works if the two ledgers reconcile.
Derived from DNERO’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | traditional · immigrants & migrants |
| HQ | Irvine, US |
| Founded | 2025 |
| Custody | Custodial |
| Regulation type | Partner-bank model |
| License detail | Partner bank: Zenus Bank International (Puerto Rico, OCFI-regulated) holds deposits and issues the Visa debit card; not FDIC-insured; program manager Connect Fintech |
| Card | Visa · Debit |
| Cashback | 0.5% at partner brands |
| Stablecoins | No |
| KYC | Yes |
| Active regions | North America |
| Countries | United States, Mexico |
Verified links: official site ↗ · terms ↗
Common questions about DNERO
What is DNERO?
DNERO is a fiat neobank built for immigrants & migrants, headquartered in Irvine, US and founded in 2025. Your money is held custodially, so DNERO or its partner bank holds the balance and you hold a claim on it. It operates on a partner-bank model (Partner bank: Zenus Bank International (Puerto Rico, OCFI-regulated) holds deposits and issues the Visa debit card; not FDIC-insured; program manager Connect Fintech).
Does DNERO have a card, and where can you use it?
It issues a Visa debit card. It is available in 2 countries, across North America.
Does DNERO require KYC?
Yes. DNERO requires identity verification (KYC) to open an account, as a partner-bank model.
What does DNERO cost?
From the verified fields: cashback 0.5% at partner brands. Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with DNERO before relying on them.
Head-to-head
DNERO vs Majority · DNERO vs Zolve · DNERO vs Comun · DNERO vs Mela
Peers
Chime · Wise · Varo · Current · SoFi · Ally Bank
DNERO appears in
Neobanks running on someone else’s banking license (84) · Neobanks that require identity verification (337) · Neobanks available in North America (130) · Neobanks for immigrants and migrants (12) · Neobanks that issue a Visa card (186) · Neobanks in United States (69)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.