2 Accounts: Checking + Savings

Get approved for a US account from home, and spend when you arrive

No monthly fees, no minimum balance

Keep more of your money

Plays nicely with others

Adro works with Google Pay, Apple Pay, Cash App and Venmo


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

No SSN required to sign up

Get started with a passport and selfie. View all requirements  

Extra safe with 2FA

Through WhatsApp, SMS and Authenticator

Save up to $250¹ on international transfers

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

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Add money to Adro, then get a proof of funds letter

Whether you need financial documents to enter the US, or to submit as part of your university acceptance or visa application, we’ve got you covered.

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Your checking account for everyday spending

Get a virtual and physical US dollar debit card

2 free withdrawals per month, from any ATM²

No hidden fees

... plus a savings account to build good habits

Receive ACH payments and wire transfers

Access discounts through Adro Perks

Automate savings with recurring transfers

Got questions?

What’s FDIC anyway, and why should I care?

FDIC insurance, backed by the US government, protects your deposits up to $250,000 per account type at each FDIC-insured bank. This means your money is safe, in case of a bank failure. Every account you open with Adro is FDIC-insured through Stearns Bank N.A., Member FDIC.

What’s the difference between checking vs. savings?

Checking accounts are great for everyday transactions like purchases, bill payments, and cash withdrawals from an ATM. Savings accounts are better for storing extra cash, like an emergency fund or for a flight home.

How does Adro help me save on international transfers1?

When you deposit $2,500 or more into your Adro account for at least 90 days, we’ll pay a bonus of $10 or more. Deposit $50,000 for at least 90 days, and we’ll boost your savings with a $250 bonus. It’s our way of making international transfers more affordable.

Can I hold multiple currencies in my account?

Adro accounts hold US dollars only. If you’re sending money from your home country via ACH or wire transfers, the money received in your Adro account will be in US currency.

Do I need to open both accounts if I only need checking?

You can choose to open one or both accounts, the decision is up to you.

Adro launches in 2024

Your money feels at home with Adro

From rent to tuition, move and manage your money seamlessly

Get started