Personal

Open your USD account before arriving

The no-fee checking, savings and credit card for internationals moving to the US

Get started

We support 75+ visa types

Like B1/B2 or F1. Here’s what you’ll need to open an account:

Your passport and a selfie

Student email or approved US visa

Residential address

Phone number

Be at least 18 years old

Get started

Adro cards are issued by our sponsor bank, under license from Mastercard

Adro accounts are provided through Stearns Bank N.A.

Accounts are FDIC insured up to $250,000 through Stearns Bank N.A., Member FDIC¹

Adro cards are issued by our sponsor bank, under license from Mastercard

Adro accounts are provided through Stearns Bank N.A.

Accounts are FDIC insured up to $250,000 through Stearns Bank N.A., Member FDIC

Easy online sign up with no SSN required

Spend and save in USD

Debit and credit cards with no international transaction fees.

Free inbound wire transfers

Other banks charge up to $15 per transfer. We don’t charge a cent.

Earn 1% cashback²

Get rewarded on everyday purchases with your Adro World Mastercard.

Works with your favorite money apps:

Trusted by international students from 300+ schools, including:

Spend in USD right when you land

STEP 1

STEP 2

Deposit money from your home currency or in US dollars

Image of Adro app, home currency or US dollars

STEP 3

Upon arrival in the US, start spending with Apple Pay or Google Pay

Image of Adro using Apple pay or Google Pay

STEP 4

Your physical card arrives at your US residence shortly after

No monthly fees and no minimum balance

Download the Adro app to access your account from wherever you are

Business

USD accounts for non-US companies

For companies that earn, hold and spend USD

Join waitlist

Book a demo

Start with an Adro Business Checking account

Get accounts for multiple businesses

Free inbound wires and no monthly fees

Instant cards for team spending

Set up in the US without moving your business

Establish a US presence

Access the US market

Build customer trust with a US address

Process transactions faster

Invoice and accept US card payments

We’re for entrepreneurs (at any size)

Get 1:1 support from our US-based team

Learn more Book a demo

Adro cards are issued by our sponsor bank, under license from Mastercard

Adro accounts are provided through Stearns Bank N.A.

Accounts are FDIC insured up to $250,000 through Stearns Bank N.A., Member FDIC¹

Adro cards are issued by our sponsor bank, under license from Mastercard

Adro accounts are provided through Stearns Bank N.A.

Accounts are FDIC insured up to $250,000 through Stearns Bank N.A., Member FDIC

Account security is always a top priority

We support encryption, two-factor authentication, biometrics and real-time payment approvals to keep your money away from the bad guys.

Set up in the US with an all-in-one business solution

STEP 1

STEP 2

Open a USD checking account. You can also add a savings account or credit cards.

STEP 3

Set up payment processing and accept US cards. Now you're all set!

Accept, save and spend US dollars the easy way

Join the 5,000+ international students, workers and businesses that have already chosen Adro

Join waitlist Book a demo

Got questions?

What do I need to open an account?

To open an account, you'll need:
‍
- Your passport and selfie
- Business address
- EIN (Employer Identification Number)
- Articles of Incorporation
- List of business shareholders and/or directors

You can open an account even if your company is based outside the US. If you don't have an EIN or are not yet incorporated in the US, Adro can help! Join the waitlist to get started.

How does Adro make money?

We make money on the interchange, which is money a store merchant pays to accept credit/debit cards. Adro also makes money through revenue share with our partners, including Stearns Bank N.A. We do not make money by charging subscription fees or access fees.

Is Adro a bank?

Adro is a financial technology company, and not a bank. Banking services like our checking account, savings account and credit card are provided by Stearns Bank N.A., Member FDIC, pursuant to a license from Mastercard®.

Who is the team behind Adro?

Adro's founders previously worked at global companies such as Mastercard, Amazon and Uber. Meet the team

Stearns Bank N.A., with $3.1 billion in assets, is Adro’s official bank sponsor.