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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
Phisical debit card extraction 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.

Contact Us! +1 (650) 495-2468
Utoppia Inc. 399 Fremont St. 2107 San Francisco, 94105 (CA)
*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 (https://www.finra.org/) and SIPC (https://www.sipc.org/). Additional information about Synapse Brokerage can be found on FINRA’s BrokerCheck (https://brokercheck.finra.org/firm/summary/137662). See Synapse Terms of Service (https://synapsefi.com/synapse-enabled-services-tos), Privacy Policy (https://synapsefi.com/privacy), and the applicable disclosures and agreements available in Synapse’s Disclosure Library (https://synapsefi.com/legal) for more information. The Partner Financial Institution(s) participating in a Synapse cash management program can be found in the List of Program Banks (https://synapsefi.com/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.