Open your USD account before arriving

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

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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

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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

Sign up to Adro with your passport and visa details

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STEP 2

Deposit money from your home currency or in US dollars

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STEP 3

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

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STEP 4

Your physical card arrives at your US residence shortly after

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No monthly fees and no minimum balance

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

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©2025 AdroCard, Inc. Adro is a financial technology company and not a bank. Banking services are provided through Stearns Bank, N.A., Member FDIC.