A borderless account

in the USA

for everyone

Designed for non-US residents with global financial needs.
Available for everyone with a valid passport.

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Get paid easily and free from platforms like Deel, Payoneer, Wise, Airbnb, and more!

A USD account in your name
& virtual debit Mastercard

Different ways to withdraw your money fast and easily

Exclusive perks for first Utoppians
Early joiners get the best benefits and try new features first.
Voting power for the next feature
Free Premium account*
Limited version of Mastercard debit card

Receive money inside
the USA is free!

Receive and send money with Utoppia via ACH or domestic wires without commissions. Find out how to receive money from the main platforms for free and in a few simple steps.
How to receive money
Open a USD account in the USA 100% Remote
No travel necessary. Open your Utoppia account in minutes with just your passport and start living your new borderless life
Receive your USD salary
Receive payments in your own name from US banks or platforms like Deel, Upwork, Paypal, Payoneer, Wise and more without cost! or receive international payments via international wires
International debit Mastercard card
A Mastercard debit card ready to add to Apple Pay or Google Pay to make payments internationally with the most convenient exchange rates

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✅ Physical debit card
✅ Premium plan
✅ Faster onboarding

We are available for passport holders from 31 countries
🇦🇷 Argentina
🇦🇺 Australia
🇦🇹 Austria
🇧🇪 Belgium
🇧🇷 Brazil
🇨🇦 Canada
🇨🇱 Chile
🇨🇴 Colombia
🇨🇿 Czech Republic
🇩🇰 Denmark
🇫🇮 Finland
🇫🇷 France
🇩🇪 Germany
🇮🇳 India
🇮🇪 Ireland
🇮🇹 Italy
🇱🇺 Luxembourg
🇲🇾 Malaysia
🇲🇽 Mexico
🇳🇱 Netherlands
🇳🇿 New Zealand
🇳🇴 Norway
🇵🇹 Portugal
🇸🇬 Singapore
🇸🇰 Slovakia
🇿🇦 South Africa
🇪🇸 Spain
🇸🇪 Sweden
🇨🇭 Switzerland
🇬🇧 United Kingdom
🇻🇳 Vietnam

What our users are saying

Having a USD Account with NO hidden fees, is simply the best. I can use it as any other USD account to make payments wherever I am with ACH. I am saving my money without bothering about going to the bank and wasting time filling out bureaucratic forms. Utoppia makes my day easy!
Ramon, Accountant
Mexico City, Mexico
Using Utoppia, I’ve solved several problems I was experiencing receiving payments from my clients abroad and it has really improved my life! It has become my primary account for all my international transactions. Thanks so much Utoppia!
Juano, Full Stack Developer
Buenos Aires, Argentina
Utoppia is the best USD account you can find! No hidden fees, free ACH, and I can pay for everything using my card or my account details. Congrats to this amazing neobank!
Oscar, Accountant
Mexico City, Mexico

Our own "Utopia"

Sir Thomas More coined the word "utopia" in the 16th century, describing a fictional island society in the southern Atlantic Ocean. In his perspective, utopian thinkers look for better alternatives; they value critical vision, new practices, and they begin to imagine a better society.

A utopia is an ideal project, wish, or plan that is attractive, beneficial, and prioritizes community. Although More's vision was only an aspiration, man - by the fact of being a man - wishes to achieve true happiness and therefore will never to abandon his utopian ideal of living in a world with perfect peace, freedom, and progress.

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Inspired by a global movement, for the borderless you

About Utoppia

Questions about Utoppia

How much does it cost to open my USD account?

What services does Utoppia offer?

Go to FAQs
Founded in California, USA. Impacting the world

*All the images are for illustration purposes only.

Utoppia is not a bank. Utoppia Inc. is a technology services provider. Utoppia provides services through its Software Provider and Bank Partners, as set forth in the Terms of Service.Cash Management services are provided by Synapse Brokerage LLC, a registered broker dealer and member SIPC. Synapse Brokerage LLC provides cash management accounts and related services that allow customers to sweep uninvested cash balances into certain bank accounts at Synapse Program Banks. Please visit the Deposit Sweep Program Disclosure Statement for important legal disclosures. Review the background of Synapse Brokerage LLC or its professionals on FINRA’s BrokerCheck website. Synapse Brokerage LLC is not a bank. Use of the cash management services are subject to Synapse Brokerage LLC’s terms of service, found at  synapsefi.com/legal.

Account opening and other banking services provided by Utoppia are subject to applicable United States law and the Terms of Service. Utoppia may refuse to open or maintain accounts that violate applicable United States law and the Terms of Service. By creating an account using Utoppia’s mobile phone application, otherwise using Utoppia’s services or signing an electronic signature card, you agree to Utoppia’s Terms of Service, all applicable laws and regulations, and agree that you are responsible for compliance with any and all applicable local laws.