Spend and save like a local.

Checking, savings and credit for internationals that work upon arrival. Simple.

Your money feels at home with Adro

From getting lunch, to car rentals or paying tuition, move and manage your money in a way that just works. Arrive in the U.S. knowing your money is fully accessible and there when you need it.

Checking

Add funds and start spending in U.S. dollars

Savings

Grow your money with high interest*
(*requires Social Security number)

Credit card

Accepted everywhere. No Social Security number needed.

Open an account before or after you land

STEP 1

To sign up, download our iOS or Android app (coming soon!)

STEP 2

Add money from your home currency or U.S. dollars

STEP 3

Spend instantly with a virtual card using Apple Pay or Google Wallet

STEP 4

Your physical card arrives a few days later

The U.S. account for better finances

Whether you’re moving for school or work, life in two countries means two currencies, two time zones and always staying connected. Adro helps you transition between both, seamlessly.

What else do you get?

Connected and protected

Securely open a checking account from anywhere in the world. All you need is a passport, SSN or ITIN to get started.

Stress-free global money transfers

See what it costs and when the funds will arrive from your home currency to your U.S. account.

Build credit from day 1

Opt for a U.S. credit card and start building credit history while you wait for your SSN.

Save with member perks

Your money goes further with Adro. Get deals on the latest tech, phone and data plans, restaurants and more!

Supported all the way

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Etiam vitae posuere nisl. In dictum

Project management

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Etiam vitae posuere nisl. In dictum

Quick response time

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Etiam vitae posuere nisl. In dictum

Free post-support

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Etiam vitae posuere nisl. In dictum

We’re serious about CX

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Etiam vitae posuere nisl. In dictum luctus arcu, eget feugiat quam varius at. Fusce magna ante,

Got questions?

Adro accounts are FDIC-insured up to $250,000 through our partner banks.

What is Adro?

Adro is a fintech company offering free checking and savings accounts and credit cards designed for international students and workers in the U.S.

Unlike traditional banks, you can sign up online either before or after you’ve arrived in the country. You can open an account and start building credit while you wait to be issued a Social Security number (SSN), and access exclusive discounts to help you get settled in.

How does it work?

Once you’re logged in, you can move money from your home currency into your new U.S. dollar checking account. You’ll receive a virtual debit card that allows you to start spending instantly using Apple Pay or Google Wallet. You’ll receive your physical card in the mail within 2 weeks.

Your checking account also gives you access to other products, like savings accounts and credit cards.

Do I need a Social Security number (SSN) to open an account?

Nope! You can apply for an account with just your visa information and government-issued photo ID. If you choose to open a credit card with us, you’ll be able to start building credit history while you wait for your SSN to be issued.

U.S. banking regulations require a SSN in order to earn interest in a savings account. Once you’ve received your SSN, be sure to let us know!

What types of accounts does Adro offer?

When you sign up to Adro, you’ll receive a checking account along with a virtual and physical debit card that allows you to spend in-person or online, and withdraw or deposit cash.

You can set up direct deposit to receive funds from an employer, move money from your home currency into U.S. dollars, and pay bills online. All this, with no monthly fees and no minimum balance.

With an existing checking account, you also have the option to open a free savings account or credit card.

How long does it take to receive my card?

Once your account is activated, you’ll get immediate access to your virtual debit card (and credit card, if you opted in) that can be used to make purchases in-person or online. You’ll receive your physical card in the mail within 2 weeks.