Utoppia makes your borderless life easier

Open your account for free and learn more about our pricing. No surprises!
USD Account
Account opening
Maintenance fee
Minimum account balance
No minimum
Virtual debit card issuance
Virtual card payments fee
Virtual and physical card payments in other currencies fee
(Applicable from April 17th 2023)
Sending money in the US via regular ACH
Sending money in the US via Same Day ACH
Receiving money in the US via Regular and Same Day ACH
Sending international wires (SWIFT) in USD
32 USD
Receiving international wires (SWIFT) in USD
30 USD
Receiving money in the US via Domestic Wires
Annual inactivity fee (no transactions in the account or the card over the 6 previous months and having less than usd 500 in the account balance): USD 3 per month
Founded in California, USA. Reaching the whole world.
Banking services for the U.S. Dollar Account provided by Lineage Bank.
*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 FDIC-insured 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.

Banking services for the U.S. Dollar Account are provided by Lineage Bank, Member FDIC. Utoppia is not an insured bank. Deposit insurance does not apply to non-deposit products, such as stocks, bonds, money market mutual funds, securities or commodities.
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.