Adro is a fintech company offering free checking and savings accounts and credit cards designed for international students and workers in the U.S.

Unlike traditional banks, you can sign up online either before or after you’ve arrived in the country. You can open an account and start building credit while you wait to be issued a Social Security number (SSN), and access exclusive discounts to help you get settled in.

Once you’re logged in, you can move money from your home currency into your new U.S. dollar checking account. You’ll receive a virtual debit card that allows you to start spending instantly using Apple Pay or Google Wallet. You’ll receive your physical card in the mail within 2 weeks.

Your checking account also gives you access to other products, like savings accounts and credit cards.

Nope! You can apply for an account with just your visa information and government-issued photo ID. If you choose to open a credit card with us, you’ll be able to start building credit history while you wait for your SSN to be issued.

U.S. banking regulations require a SSN in order to earn interest in a savings account. Once you’ve received your SSN, be sure to let us know!

When you sign up to Adro, you’ll receive a checking account along with a virtual and physical debit card that allows you to spend in-person or online, and withdraw or deposit cash.

You can set up direct deposit to receive funds from an employer, move money from your home currency into U.S. dollars, and pay bills online. All this, with no monthly fees and no minimum balance.

With an existing checking account, you also have the option to open a free savings account or credit card.

Once your account is activated, you’ll get immediate access to your virtual debit card (and credit card, if you opted in) that can be used to make purchases in-person or online. You’ll receive your physical card in the mail within 2 weeks.