United States
activeFeaturedNeobank
- HQ
- Detroit
- Fee
- $0 on core spend/save
Jenius Bank
SMBC MANUBANK US digital brand. Wound down. Axos took ~$2.3bn of deposits on 2 May 2026.
Closed 2026-05-02
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5.9Caution
AlternativesFive questions
At a glance
Is it a bank?
Yes — US digital brand of SMBC MANUBANK. Not a standalone national bank (OCC / FDIC (via SMBC MANUBANK, historic)). Still read the entity on the statement.
If it fails?
Was FDIC at SMBC MANUBANK. From 2 May 2026 the acquired balances sit at Axos Bank, Member FDIC. Confirm the live statement footer.
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Was HYSA-priced — product gone as Jenius Bank
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
5.9
/10 · Caution
Graveyard as a brand. Jenius Bank was SMBC MANUBANK’s US digital HYSA. Axos Bank completed the deposit acquisition on 2 May 2026 (~$2.3bn). FDIC followed the bank, not the purple wordmark. Indonesian Jenius is a different company. Do not list this as live.
What it is
SMBC tried a US digital brand. It did not stick. The 12 February 2026 Axos 8-K and the 4 May 2026 completion 8-K are the file. This desk will not invent a successorSlug for Axos.
Best for: Historical — US HYSA case study. Live cash, if migrated, is at Axos.
Last checked 2026-08-30. Not advice.
Closed 2026-05-02
SMBC wound down the US digital brand. Axos Bank acquired the US consumer deposits (~$2.3bn) on 2 May 2026 under a 12 Feb 2026 purchase-and-assumption.
What it does well
- +FDIC at a named bank throughout
- +Clean P&A to Axos
- +SEC 8-K is the record
What to watch
- −Closed as a brand
- −Axos is not in this catalog as a successor product
- −Name collision with Indonesian Jenius
Who holds the money
The account
How money actually moves
- Who holds the cash
- Insured bank deposit
- How money moves
- ACH / USD
- Built for
- Personal
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Closed — no new customers
- Card
- Jenius Bank has no card listed on this file.
Licence first
Safety
Was FDIC at SMBC MANUBANK. From 2 May 2026 the acquired balances sit at Axos Bank, Member FDIC. Confirm the live statement footer.
Who holds the money: Axos Bank (from 2 May 2026) / SMBC MANUBANK (historic)
- OCC / FDIC (via SMBC MANUBANK, historic)US digital brand of SMBC MANUBANK. Not a standalone national bank · United States
Fees
- Monthly
- Was HYSA-priced — product gone as Jenius Bank
- FX markup
- —
- ATM
- —
- Interest
- Was a 4%+ HYSA pitch — gone
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- –Apple Pay
- –Google Pay
- –Virtual card
- –Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- Was US HYSA
- SMBC digital brand
- Deposits sold to Axos May 2026
- Not Indonesian Jenius
Score
- Safety25%
- 7.2
- Fees20%
- 7.0
- Features15%
- 5.5
- App15%
- 6.5
- Global15%
- 2.2
- Support10%
- 5.5
Change log
Full logStatus
Axos took ~$2.3bn of US deposits
SMBC MANUBANK wound down the US brand. 8-K is the record. Not Indonesian Jenius.
Available in
Straight answers
FAQ
01Is Jenius Bank a bank?
Jenius Bank holds a banking-style licence (OCC / FDIC (via SMBC MANUBANK, historic)). Still read the legal entity on the statement, not the app icon.
02How is money protected?
Was FDIC at SMBC MANUBANK. From 2 May 2026 the acquired balances sit at Axos Bank, Member FDIC. Confirm the live statement footer.
03Where is Jenius Bank available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Jenius Bank.
04Card and wallets?
Jenius Bank has no card listed on this file.
05Can I open Jenius Bank remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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