





The no-fee checking, savings and credit card for internationals moving to the US
Get startedDebit and credit cards with no international transaction fees.
Other banks charge up to $15 per transfer. We don’t charge a cent.
Get rewarded on everyday purchases with your Adro World Mastercard.
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
Sign up to Adro with your passport and visa details
Deposit money from your home currency or in US dollars
Upon arrival in the US, start spending with Apple Pay or Google Pay
Your physical card arrives at your US residence shortly after
1 The deposit accounts you open through Adro are held at
FDIC member-bank, Stearns Bank N.A., which can protect Adro customers up to the $250,000
limit with what is known as “pass-through deposit insurance.”
2 1%
earn rate applies to purchases made in-store or online. Cashback rewards do not apply
to: ATM withdrawals, peer-to-peer payments (such as, by way of example, Apple Pay Cash
or Google Pay), currency exchange service providers, debit card cash advances, tax
payments, person-to-person transfers, the purchase of gift cards and the purchase of
money orders or other cash equivalents, Gold transactions, International Payments, Cross
Border Payments even if used to purchase goods or services. Other types of purchases may
be excluded from cashback at Adro’s discretion, and these exclusions may change. Your
cashback balance accrues in your account, and is paid out once you’ve reached $25.00 in
rewards. View terms.
For companies that earn, hold and spend USD
Sign up from outside the US
Get accounts for multiple businesses
Free inbound wires and no monthly fees
Instant cards for team spending
Register an entity and get an EIN
Build customer trust with a US address
Invoice and accept US card payments
Get 1:1 support from our US-based team
Register in the US and apply for an EIN. What’s an EIN?
Open a USD checking account. You can also add a savings account or credit cards.
Set up payment processing and accept US cards. Now you're all set!
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.
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.
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®.
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.
1 The deposit accounts you open through Adro are held at FDIC member-bank, Stearns Bank N.A., which can protect Adro customers up to the $250,000 limit with what is known as “pass-through deposit insurance.” Learn more
©2025 AdroCard, Inc. Adro is a financial technology company and not a bank. Banking services are provided through Stearns Bank, N.A., Member FDIC.