A borderless account

in the USA

for everyone

Designed for people with global financial needs.
You only need a valid identity document.

Download App

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

A USD account in your name
in the USA Banking system

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

Get returns on your
money with Plus

Make investing easier than ever. Access an investment account with no additional fees and a highly competitive annual return rate.
Discover Utoppia Plus
Estimated variable annual rate
4,84
%

Receive money inside
the USA for 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

Pay for local services in your country of residence

Pay your services and taxes in local currency (internet, electricity, water, health services, credit card, and more) with your Utoppia USD, without commissions, and at a competitive exchange rate.

Available for Argentina, Chile, Colombia, and Mexico.
Open a USD account in the USA 100% Remote
No travel is necessary. Open your Utoppia account in minutes with just a valid identity document 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 card
New accounts will not have access to the virtual debit card.
We are working to integrate a new vendor and offer you a better service.

Be the first to know about future releases

Soon

✅ 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.

Read more

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. Reaching the whole world.

*All the images are for illustration purposes only.

Utoppia is not a bank. Utoppia Inc. is a technology services provider.

Certain services are offered through Synapse Financial Technologies, Inc. and its affiliates (collectively, “Synapse”). Synapse is not a bank and is not affiliated with Utoppia Inc. Brokerage accounts and cash management programs are provided through Synapse Brokerage LLC (“Synapse Brokerage”), an SEC-registered broker-dealer and member of FINRA and SIPC. Additional information about Synapse Brokerage can be found on FINRA’s BrokerCheck. See Synapse Terms of Service, Privacy Policy, and the applicable disclosures and agreements available in Synapse’s Disclosure Library for more information. The Partner Financial Institution(s) participating in a Synapse cash management program can be found in the List of Program Banks.

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.
Utoppia is only an intermediary of TAPI (as such term is defined in the bill payment terms of services found at link) whereby TAPI offers the TAPI services (as such term is defined in the bill payment terms of services) and UTOPPIA integrates such TAPI services into the mobile app, as such, neither UTOPPIA or any of its affiliates are responsible or liable for (I) the accuracy of the information related to the TAPI services; (II) the functionality of the TAPI services; and/or (III) any delays or other acts under the control of TAPI as they relate to the TAPI services UTOPPIA'S liability for losses you or any third party may incurunder any circumstance, in connection with your account or the TAPI services is limited only to actual damages proved that are proximately caused by UTOPPIA'S gross negligence or willful misconduct. by using the mobile app in connection with the TAPI services, you also acknowledge and agree to be subject, in all respects, to any and all disclamers, limitations of liability and other terms and conditions set forth in the bill payments terms of service, UTOPPIA'S general Terms of Service (found at link), and UTOPPIA'S privacy Policy (found at link).Utoppia is not a bank. Utoppia Inc. is a technology services provider.Certain services are offered through Synapse Financial Technologies, Inc. and its affiliates (collectively, "Synapse"). Synapse is not a bank and is not affiliated with Utoppia Inc. Brokerage accounts and cash management programs are provided through Synapse Brokerage LLC ("Synapse Brokerage"), an SEC-registered broker-dealer and member of FINRA FINRA and SIPC. Additional information about Synapse Brokerage can be found on FINRA's BrokerCheck. See Synapse Terms of Service, Privacy Policy, and the applicable disclosures and agreements available in Synapse's Disclosure Library for more information. The Partner Financial Institution(s) participating in a Synapse cash management program can be found in the List of Program Banks List of Program Banks.
Utoppia is only an intermediary of Quiena Wealth Management Inc., a corporation organized under the laws of the State of Delaware ("Quiena"), whereby Quiena offers the Quiena Services (as such term is defined in Utoppia's Investment Account Terms of Services and Utoppia integrates such Quiena Services into the Mobile App. As such, neither Utoppia or any of its affiliates are responsible or liable for (I) the accuracy of the information related to the Quiena Services; (II) the functionality of the Quiena Services; and/or (III) any delays or other acts under the control of Quiena or DriveWealth (as such term is defined below) as they relate to the Quiena Services. Utoppia's liability for losses you or any third party may incur under any circumstance, in connection with your account or the Quiena Services is limited only to actual damages proved that are proximately caused by Utoppia's gross negligence or willful misconduct. By using the Mobile App in connection with the Quiena Services, you also acknowledge and agree to be subject, in all respects, to any and all disclaimers, limitations of liability and other terms and conditions set forth in the Investment Account Terms of Services, Utoppia's PLUS Terms of Service , Utoppia's General Terms of Service), and Utoppia's Privacy Policy.Utoppia is not a bank. Utoppia Inc. is a technology services provider.Certain services are offered through Quiena, which is duly licensed by the United States Securities and Exchange Commission as a Registered Investment Advisor. Quiena is not a bank and is not affiliated with Utoppia Inc. The Quiena Services whereby funds in your account at Utoppia may be, upon your instruction, be deposited into one or more interest-bearing deposit accounts held at one or more participating banks are provided through DriveWealth, LLC, a New Jersey limited liability company, registered with the United States Securities and Exchange Commission as a custodian of investment accounts and which has the registration number 8-69161 ("DriveWealth"). You may view DriveWealth's website which includes its Terms of Service and Quiena's Terms of Service.