Utoppia - Global Neobank

🇺🇸 Utoppia is the global neobank* for borderless people.

Open a USD account in the US without being a US resident. No need to travel, you just need your phone and a valid passport.

💸 Get paid in USD for free

Receive payments in your own name account from any bank in the US or platforms like Deel, Wise, PayPal, Payoneer, Airbnb and more, for free and in simple steps. You just need to share your account details.

📈 Earn interest with Utoppia Plus

Get returns on your money with Utoppia Plus. Access an investment account, invest your USD and beat the inflation.
Try one month free, then only $5 per month


💳 Spend in USD with no fees

Pay in USD with no fees using your Utoppia Card *(2), an international virtual debit card. Make online payments or add it to Apple Pay and make contactless payments in millions of physical stores all over the world.

🏦 Transfer money with ACH or SWIFT transfers

Send money with domestic and international bank transfers to wallets, platforms and banks, wherever you are. Transfer using the Same Day ACH and your money will arrive at your name in 24 hours or sooner with a very low cost.

🏦 Bill Payments

Pay your Bills in your country with the best exchange rate. Forget about making lines, exchanging USD or moving your money trough apps of banks. Get reminders and be up to date with Utoppia’s Bill Payments


🤑 Pay anyone with no fees

Make instant and free transfers between Utoppians from wherever you are with our U2U feature.

👨‍💻 Designed for digital professionals, remote workers, freelancers and digital nomads with global financial needs.
🌎 Available in more than 31 countries.


Join thousands of users all over the world and start living a borderless life.

Download the app now!

* Utoppia is not a bank. Utoppia provides services through its Software Provider and Bank Partners. Banking services provided by Synapse Brokerage LLC, a registered broker dealer and member SIPC. *(2) 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.