Utoppia - Global Neobank 4+

Utoppia is the global neobank* for borderless people. Designed for digital professionals, remote workers, freelancers and digital nomads with global financial needs. Already available in more than 31 countries.


Open an USD account in the US without being a US resident. No need to travel, you just need your phone and a valid passport. Complete your onboarding in simple steps and get access to an international debit card.*(2)


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.


Spend in USD with no fees


Pay in USD with no fees using your Utoppia Card, 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.


Make 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.

Pay anyone with no transfers fees


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






Join our more than 20,000 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.