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Exclusive U.S. Mobile Banking & Investing for U.S. residents & Indian passport holders: FDIC-insured full functionality U.S. bank account with a Mastercard debit card.

Meet Aeldra – an exclusive U.S. Mobile Bank for the Global Citizen. Open an FDIC-insured full functionality U.S. bank account digitally and manage the account through your mobile from anywhere in the world. Social Security Number is not required. Our services are currently available India and all applicants need is an Indian passport to apply for an Aeldra account. We are expanding to additional countries soon.

Our mission is to provide safe, secure and convenient banking & investment services through a single App to fulfill all your needs. We are currently offering a Student Account and a Premier Account. These are interest-bearing U.S. bank accounts with an global Mastercard debit card.

We will soon offer a Platinum account that our customers can upgrade to, which will enable access to U.S. stocks, ETFs and bonds, as well as a Robo-advisor and exclusive investment opportunities. In addition, we will soon offer a U.S. credit card for customers without a FICO score.
Rigorous compliance with all regulatory and tax requirements is a core commitment of Aeldra.



● Insured by the FDIC: We partner with Blue Ridge Bank, N.A. an exclusive regulated U.S. bank founded in 1893 to offer our services. Customers’ funds are FDIC-insured and protected up to USD $250,000 per customer. FDIC insurance is backed by the full faith and credit of the United States Government.

● Debit Card Security: Lock and unlock the Aeldra debit card from our App. Feel confident that your debit card will not be misused.

● Mastercard Zero Liability: Have peace of mind knowing that the Aeldra (through its partner Mastercard) won't hold you responsible for “unauthorized transactions.” As a Mastercard cardholder, Zero Liability applies to your purchases made in the store, over the telephone, online, or via a mobile device and ATM transactions.

● Mastercard Identity Check: Mastercard Identity Check leverages the latest authentication standards of EMV® 3-D Secure (replacing 3DS 1.0) to ensure a secure payment experience.


● Earn more: Earn up to 20X the interest compared to large U.S. banks.

● Have Control: Get real-time alerts and notifications to make it easy to monitor and manage your account, and feel completely secure.

● Transfer and Spend Easily: Send and receive money through ACH, wire, and P2P channels, pay bills and schedule direct salary deposits from your mobile through our intuitive App. Get delighted by the simplicity and low cost of our money transfers.

● Deposit Checks on Mobile: Deposit checks in the App using your cell-phones camera.

● Enjoy Exceptional Service: 24X7 call center with our Concierges trained to understand your needs and go above & beyond to serve you. Our Platinum customers get a dedicated Concierge for an unmatched experience.


The Aeldra Founders and Senior Executives have more than 2 decades of experience in leading banks and global companies such as Goldman Sachs, ANZ Bank, Ernst & Young, McKinsey & Co. and Booz & Co. They bring deep expertise in regulatory and compliance. Their motivation for starting Aeldra is to make financial services ethical, easy and accessible to everyone, wherever they live in the world.

What’s New

Version 3.1.5

minor bug fixes and performance improvements.

Ratings and Reviews

4.5 out of 5
17 Ratings

17 Ratings

SatishDasam ,

Great app!!

Aeldra’s onboarding experience is truly one-of-a-kind and very intuitive. I was able to open an account using my mobile in a few steps, within a few minutes and get my debit card instantly.

RayRob56 ,

Poor Customer Service

My funds have been locked up in my Aeldra account for over 3 months. I’ve called and spoken with different attendants on the toll-free line; sent several emails tot he concierge department in this regard but all to no avail! I had to send the documents you guys requested to lift the restriction on my account but all the same, no fix till today.

I’ve never been this frustrated with a banking service this way in my entire life. Don’t download, Don’t install this App

xryzna ,

Super simple onboarding

It was so easy to create and fund my account. I could do it all in under 10 min on my phone.

Very useful functionality to have such an account.

App Privacy

The developer, Aeldra Financial Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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