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Personal

Open your USD account before arriving

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

Get started
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:

We support 75+ visa types

Like B1/B2 or F1. Here’s what you’ll need to open an account:

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Your passport and a selfie

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Student email or approved US visa

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Residential address

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Phone number

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Be at least 18 years old

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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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Business

USD accounts for non-US companies

For companies that earn, hold and spend USD

Start with an Adro Business Checking account

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Sign up from outside the US

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Get accounts for multiple businesses

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Free inbound wires and no monthly fees

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Instant cards for team spending

Set up in the US without moving your business

Establish a US presence

Register an entity and get an EIN

Access the US market

Build customer trust with a US address

Process transactions faster

Invoice and accept US card payments

We’re for entrepreneurs (at any size)

Get 1:1 support from our US-based team

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

Account security is always a top priority

We support encryption, two-factor authentication, biometrics and real-time payment approvals to keep your money away from the bad guys.

Set up in the US with an all-in-one business solution

STEP 1

Register in the US and apply for an EIN.    What’s an EIN?

STEP 2

Open a USD checking account. You can also add a savings account or credit cards.

STEP 3

Set up payment processing and accept US cards. Now you're all set!

Accept, save and spend US dollars the easy way

Join the 5,000+ international students, workers and businesses that have already chosen Adro

Got questions?

What do I need to open an account?

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.

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.

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®.

Who is the team behind Adro?

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.