Open your US account before arriving

The no-fee checking + savings accounts, and credit card for internationals

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Open an account today, no SSN needed

Open an account from outside the US

Sign up before or after you arrive with your US or non-US address and phone number.

Save up to $250¹ on international transfers

Move money from your home country into your Adro account. We'll reimburse the transfer fees.

Earn 1% cashback and build US credit history

The Adro World Mastercard® can help boost your credit score, no SSN required.

2 accounts: checking + savings

Enjoy no monthly fees, 2 free withdrawals per month from any ATM², and easy access to your money when you need it.  

Credit card

Get peace of mind with no annual fee and no international transaction fees.  

Moving to the US?

Here’s what you’ll need to open an account:

Your passport and selfie

Student email address or SSN or ITIN

Residential address

Phone number

Be at least 18 years old

We work with great partners like:

How does it work?


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

Manage your money anytime, anywhere

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

Got questions?

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

You do not need a SSN to open an Adro account. If you choose to open a credit card with us, you’ll be able to start building credit history, even without a SSN.

Is the Adro account FDIC-insured?

Every account you open with Adro is FDIC-insured up to $250,000 through Stearns Bank N.A., Member FDIC.

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®.

How long does it take before I can make purchases?

You can sign up with Adro before or after you arrive in the US, and add money to your account upon account approval. Once you have arrived in the US, you’ll get immediate access to your Adro card and can start making purchases with Apple Pay and Google Pay.

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.

Adro launches in 2024

Your money feels at home with Adro

From rent to tuition, move and manage your money seamlessly

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