# Adro USA — International Student Banking > US banking services for international students and workers without an SSN. (iPhone/iPad app by Adro.) - Source: https://appshunter.io/ios/app/adro-usa/id6501969335 (this page in markdown: same URL + `.md`) - Developer: [Adro](https://appshunter.io/developer/1744058206) - Category: Finance, Education - Price: Free - Rating: 4.50/5 from 16 App Store ratings · 5 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 69 MB - Languages: American English - Released: 2024-06-20 - Data updated: 2026-07-06 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/adro-usa/id6501969335/reviews.md ## What is Adro USA? At Adro, we believe in making financial services accessible, even without an SSN. If you’re coming to the US to work or study, we’ve got you covered even before you move, with best-in-class checking, savings, and credit accounts that you can open and pre-fund from home. Skip the line at the bank and check this important step off your to-do list ahead of time. ● No Social Security number required ● Start the process even before you have your U.S. address and phone number ● Access and use cards digitally as soon as you land in the U.S. ● No hidden fees: ● FDIC-insured through Stearns Bank N.A. Adro Secured Credit Card ● Earn 1% cashback on all purchases ● Start building credit early, while you wait for your SSN to be issued - once you get an SSN, we will retroactively report credit back to your first card transaction ● Access to benefits through Mastercard, including ID Theft Protection, Zero Liability Protection and emergency assistance with Mastercard Global Services Adro Checking Account + Adro Debit Card ● 2 free ATM withdrawals per month, from any network (up to $10 value) ● Digital-first, mobile-friendly: ● Adro Debit works with Apple Pay ● Send and receive money with Venmo ## Key features - No SSN required - Open accounts from home - Digital card access on arrival - Build credit history - 1% cashback on credit card - FDIC-insured accounts ## Recent user reviews (5 of 5) All indexed reviews: https://appshunter.io/ios/app/adro-usa/id6501969335/reviews.md ### 1/5 — Do not use absolutely horrible bank *2026-03-17, version 1.0.0296* If you get a refund from a company 90% of the times it fails and you are left completely clueless because the customer support doesnt fix the issue and then you contact the refund issuer they dont know what to do either because its adro that is declining refunds. Scam bank ### 1/5 — App does not work *2025-10-02, version 1.0.0288* I installed and reinstalled this app more than 3-4 times in my phone but doesn’t work at all. Problem is when I open the app log in or sign up screen shows up. I already have account so I tap login but a white empty screen comes and not going further. Tried it on my iphone 11 and iphone 16 same problem in both phones. ### 5/5 — Easy and fast *2024-08-31, version 1.0.092* App is very easy to use and very quick. I opened an account in minutes. Has all the banking features I need. Support was also very helpful when I had questions about funding my account ### 5/5 — Easy solution *2024-07-30, version 1.0.0.64* Easy signup and nice service. I had small issue and customer service promptly resolved. ### 5/5 — Great app *2024-07-16, version 1.0.0.42* Such an easy solution and really reliable + love my debit card design! Favorite thing about Adro is how interoperable it is with all my other apps. ## Frequently asked questions about Adro USA ### Does Adro USA require a Social Security number? No, Adro USA is designed for individuals who do not yet have a Social Security number. You can start the application process and open accounts even before you have your U.S. address and phone number. ### What types of accounts can I open with Adro USA? You can open best-in-class checking, savings, and credit accounts. The Adro Secured Credit Card offers 1% cashback and helps build credit history. ### When can I access my Adro USA cards? You can access and use your cards digitally as soon as you land in the U.S. The Adro Debit card also works with Apple Pay. ### Are there any hidden fees with Adro USA accounts? Adro USA states there are no hidden fees. The checking account includes 2 free ATM withdrawals per month from any network, up to a $10 value. ### Is my money safe with Adro USA? Yes, your funds are FDIC-insured through Stearns Bank N.A., providing a layer of security for your deposits. ### How does Adro USA help me build credit? The Adro Secured Credit Card allows you to start building credit early. Once you obtain an SSN, Adro will retroactively report your credit history back to your first card transaction. ### What devices does Adro USA support? Adro USA is available on iPhone, iPad, and iPod devices, offering a digital-first, mobile-friendly banking experience. ### How often is Adro USA updated? The latest version of Adro USA is 1.0.0298, last updated on March 26, 2026. This indicates a commitment to ongoing development and feature improvements. ## Version history (last 5 releases) ### 1.0.0298 — 2026-03-26 Bug fixes ### 1.0.0296 — 2026-02-10 Bug fixes ### 1.0.0294 — 2025-11-18 Bug fix! ### 1.0.0292 — 2025-11-11 Bug fixes and performance upgrades ### 1.0.0288 — 2025-09-28 Performance Improvements! ## Apps similar to Adro USA | App | Rating | Price | Category | | --- | --- | --- | --- | | [Hurupay - Global USD Banking](https://appshunter.io/ios/app/hurupay-global-usd-banking/id6504928290) | 4.3 (29) | Free | Finance | | [Firstcard: Credit Builder Card](https://appshunter.io/ios/app/firstcard-credit-builder-card/id1547581130) | 4.4 (376) | Free | Finance | | [PoetrYY](https://appshunter.io/ios/app/poetryy/id6449597368) | — | Free | Finance | | [Manifest: Business Banking](https://appshunter.io/ios/app/manifest-business-banking/id6478633958) | 5.0 (28) | Free | Finance | | [Zolve Credit Card \| Banking](https://appshunter.io/ios/app/zolve-credit-card-banking/id1574344423) | 4.1 (3,723) | Free | Finance | | [Crobo](https://appshunter.io/ios/app/crobo/id6474628320) | 4.8 (1,001) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-06.*