A borderless account in the U.S. The borderless for everyone.

Designed for non-US residents with global financial needs. Available now for passport holders from 31 countries:

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Utoppia app
Utoppia app

Banking services provided by
Synapse Brokerage LLC, a registered
broker dealer and member SIPC,
Lineage Bank, Member FDIC.

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Just one invited friend gets you
closer to the top, and closer
to very limited perks!

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for the very first 1,000 Utoppians.

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Free Premium account*

Free Premium account*

Limited version of Mastercard debit card

Limited version of Mastercard debit card

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Come back whenever you want to refer people
and check your ranking.

Would you like to be a beta tester?😱

By answering the following questions, you will be the first to try our features and talk to our team about your personal experience and your needs for a life without borders.

Which platform would you like to test?

Do you receive payments, fees or a salary from abroad? If so, what kinds of problems or difficulties do you usually run into?

In regards to the previous question, what type of solution and/or features would help you solve your current needs?

Do you pay, send money, save or invest internationally? If so, what kinds of problems or difficulties do you usually run into?

In regards to the previous question, what type of solution and/or features would help you solve your current needs?

Which of these points give you more confidence when choosing a Neobank*?

*A Neobank is a financial technology company that, through integrations with financial institutions and other technology, provides solutions to your banking needs through an App and in a completely remote way.

Describe what the best customer service would be like for you:

Describe in just a few words the perfect international and borderless Neobanking App for you:

On a scale of 1 to 10 (1 being the most important), what priority of use or interest do you give the following characteristics of a product:


Keep your money in a strong financial jurisdiction (FDIC protected).

Debit card

Free US account & debit card for non-residents. No visa required.


Move between classic and crypto finances natively.

Exclusive perks for first Utoppians

Early joiners get the best benefits and try new features first.

Early Access

Voting power for the next feature

Premium Account

Free Premium account*

Utoppian Experience

Limited version of Mastercard debit card

Borderless banking solutions.
100% Remote.

Utoppia card

You can live anywhere and still open the account. All you need is your passport. No visa needed. We’re rolling out access gradually.

No travel necessary. All you need is our app.

You can feel like the US citizen, when protected by the Federal Deposit Insurance Corporation, for up to $250,000. Same as any other bank in States.
Accounts are provided by Synapse Brokerage LLC and the deposits are held with Lineage Bank, Member FDIC.

To or from wallets, platforms and banks. Wherever you are.

You instantly get an account with your own name on it, so you can easily request the money from your employer, partners or payment platforms.

You can balance your personal finances strategy using crypto. Buy, sell, hold, transfer and invest in the most popular crypto currencies natively, from the same app.

Sit in the front row to see future releases.

  • Access to new Banking Features
  • Crypto wallet & earn
  • Investing for your future
  • Special Events
  • Utoppia Key™
  • Ambassador Program
Utoppia Cripto

What our users are saying

Our own “utopia”


Our world has changed drastically; we behave differently and our priorities have shifted, too. Today, you can impact the world massively from wherever you are. You no longer need to travel, commute or live in a big city to improve your life or others’, close or far from you.

Utoppia was born in this unique moment in history. We belong to this transparent, secure and decentralized ecosystem that is being built right now. We are part of an ever-evolving movement: the outcome of a collection of moments and experiences.

Join us and develop “the borderless version of you”, so you can explore, live, work, create and enjoy the world however you want.

Inspired by a global movement, for the borderless you

Download Utoppia