LIVE GLOBALLY. BANK GLOBALLY.

An FDIC-insured U.S. Bank Account* with a Mastercard Global Debit Card^.
Required: SSN or Indian Passport.

FULL FUNCTIONALITY U.S. BANK ACCOUNT*

• No Monthly Fee or Account* Maintenance Fee
• No Minimum Balance Requirement or Penalty
• Free Bank* to Bank ACH Transfers
• Free Incoming International Wire Transfers
• Free AeldraPay real-time Peer-to-Peer Transfers
• Industry leading interest rate on deposits

EASY FUND TRANSFER & MOBILE BANKING*

• Transfer money from and to Aeldra both from the U.S. and from India, free and easy
• Check balances & track transactions
• Schedule payments for a future date or time
• Get real-time notifications of transactions & balances
• 1-click dial the Aeldra Concierge 24X7 from App
• Log in securely with biometric authentication

GLOBAL MASTERCARD DEBIT CARD^ FOR U.S. RESIDENTS

•Mastercard Debit Card^ covers more than 210 countries.
• Access to hundreds of thousands of ATMs worldwide.
• Instant Virtual Card^ right after account opening.
• Elegant and impressive Aeldra Debit Card^.
• Touch-free payments with the Aeldra Contactless Card^.
• Debit Card^ lock/unlock through the Aeldra App.

Up to 1.00% Interest rate (APY 1.01%)

Up to 20X INTEREST VS major U.S. banks

Up to 1.00% Interest rate (APY 1.01%)

Up to 20X INTEREST VS major U.S. banks

Up to 1.00% Interest rate (APY 1.01%)

Up to 20X INTEREST VS major U.S. banks

Up to 1.00% Interest rate (APY 1.01%)

Up to 20X INTEREST VS major U.S. banks

VISIT Our
PRODUCTS PAGE

Safe and Secure

FDIC-Insured* Up To $250,000 Through Blue Ridge Bank, N.A. Member FDIC

Compliant with U.S. Regulations and Indian Government Regulations

open us bank account with mastercard protection

Mastercard^ ID Theft Protection
Mastercard's^ Zero Liability

Real-time transaction
& security alerts
in-App one-click
Debit Card lock

*Aeldra is a Silicon Valley and Bangalore based Fintech providing Banking Services with FDIC-insurance through Blue Ridge Bank, N.A., Member FDIC. The FDIC – short for Federal Deposit Insurance Corporation – is backed by the full faith and credit of the United States Government. Since the FDIC began, no depositor has ever lost a penny of FDIC-insured funds. Learn More.
‍
Mastercard^ ID Theft Protection: Learn More.
‍
Mastercard's^ Zero Liability: Learn More.

Join Thousands of Delighted Aeldra Customers

Professionals, Students, Entrepreneurs, Freelancers, Travelers, Families and More.

AMIT WILSON

Entrepreneur and Investment Professional

“For long, I have been encouraging friends, family and clients to diversify their investments and invest in the U.S. Doing so without a bank account is often daunting. Aeldra allows me to open a U.S. bank account remotely from India. The process is quite easy and hassle-free”

Neeraj Sinha

IT professional & Frequent Business Traveller

“Aeldra fulfills a very vital gap for frequent global business travelers like myself. This account with debit card makes it not only very convenient to use during my travels in the U.S. but also helps me save a lot in forex and other bank charges.”

SATISH DASAM

Business Executive and Technology Leader

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

LAKSHYA A

Aspiring Student for advanced studies in US

“Aeldra’s ability to open accounts with only Indian passport is a great boon for students like me going to the US. Now I can easily get living expenses credited into my bank account without having to go through the University.”

Let's get started

What matters to you?

Safe AND EASY U.S. banking* from OVERSEAS

A $-denominated mobile bank account* provides convenience, cost savings, exchange rate hedge and safety. Use it for all needs - supporting children or family in the U.S., planning for the future, investing in U.S. property or securities, travel and more.

HASSLE-FREE TRANSITION TO THE U.S. FOR WORK

Be set up with a U.S. bank account* even before you step foot in the U.S. No delay in having a salary account* from India. No need to wait for a U.S. visa or Social Security Number, or to physically visit a branch and gather extensive documentation to open an account*.

ACCESS TO GLOBAL INVESTMENT OPPORTUNITIES

Invest in U.S. stocks, ETFs and curated portfolios from India, with free trades. Uniquely, get access to Hedge Funds only available to HNW Private Banking clients for attractive returns. Most importantly, benefit from the assurance and convenience of a U.S. bank account* linked to your U.S. brokerage account.

EASY INTERNATIONAL STUDENT BANKING*

Be financially independent from Day 1. Open a U.S. account* even before getting your Student Visa. Avoid paying fees charged by U.S. banks for the account* and for transfers. Fall in love with the intuitive App that offers uncomplicated and easy functionality and payments.

SEAMLESS AND LOW-COST GLOBAL TRAVEL SPENDING

Maintain a U.S. bank account* to shop and spend through a Mastercard Global Debit Card^ as a U.S. resident. Avoid the worry of carrying enough cash. Avail of Mastercard’s^ global ATM network as a U.S. resident. Save up to 10% in foreign transaction fees and exchange rate mark-ups of an Indian card.

Aeldra in the News

“The Company is backed by leading fintech investors including Greg Kidd, an early investor in Twitter, Square, Ripple and Coinbase.”

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"Aeldra meets a significant need in today's banking environment." - Brian K Plum, President & CEO Blue Ridge Bank, N.A.

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"Brian and Brett are among the most forward-thinking leaders in banking and we are delighted to partner with them." - Sukeert Shanker, CEO Aeldra.

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"Sukeert previously built two leading digital banks and we're excited to help him try to three-peat with Aeldra." - Brett Taxin, EVP Blue Ridge.

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"The benefit of having bank accounts in the U.S. for the consumers in India is that it will broaden their horizons."

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“The founding team has launched similar banking products previously, including Goldman Sachs' consumer bank, Marcus."

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"Aeldra launched in 2020 with a focus on bridge banking between India and the U.S."

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“Aeldra doesn’t charge any fee for account maintenance, mobile banking, debit card, and so on.”

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“Aeldra is on a mission to provide access to global financial opportunities to customers all over the world.”

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“Aeldra is targeting $5 billion (Rs. 37,500 crores) in deposits by 2023.”

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Aeldra, the U.S.-based fintech start-up, has started offering U.S. bank accounts to Indians without a social security number or a U.S. address

Read Article

“Aeldra provides global clients with smooth access to U.S. banking."

Read Article

Aeldra CEO Speaks to Greg Kidd, Aeldra Investor

Fireside chat between Greg Kidd (Early investor in Twitter, Square, Ripple, Coinbase & Robinhood,
and Aeldra) and Sukeert Shanker (Founder and CEO, Aeldra).

Michael Miebach
CEo, Mastercard

“Building on our fintech momentum, we have secured additional wins around the globe with new partners like Payoneer and Aeldra in the U.S., HYPE and Flow in Italy, Treezor in France and Prex in Peru. Our fintech customers appreciate our tailored approach, addressing their very specific needs, leveraging our expertise, our tech and of course, our global network.”
Read More

Learn more about us

All your questions answered

GO TO FAQs

Click on the boxes to get instructions that you can download for easy reference

How do I

find my Account* Number, ABA / Routing Number, Customer Service Number, Virtual Debit Card^ (for U.S. residents)?

How do I

transfer funds from India to my Aeldra account*?

How do I

transfer funds from Aeldra to India while living in India?

How do I

transfer funds to a U.S. bank account from my Aeldra account*?

*Banking services provided by Blue Ridge Bank, National Association, Member FDIC. The FDIC – short for Federal Deposit Insurance Corporation – is an independent agency of the United States government that protects against the loss of insured deposits if an FDIC insured bank fails. It is backed by the full faith and credit of the United States government. Since the FDIC began in 1934, no depositor has ever lost a penny of FDIC insured funds. FDIC insurance covers funds in deposit accounts up to $250,000 per depositor.

^The Aeldra Mastercard Debit Card is issued by Blue Ridge Bank, N.A. pursuant to a license from Mastercard Inc. and may be used everywhere Mastercard debit cards are accepted. Indian residents will be restricted from debit card usage until the customer is physically in the U.S. Customers will have to follow applicable Aeldra procedures which will include providing documentation that establishes physical presence in the U.S. and by contacting Aeldra Concierge to remove the usage restriction.
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ATM: Out-of-Network cash withdrawal fees apply. Third-party and cash deposit fees may apply.

APY is variable and accurate as of 2/20/2021. Rates may be changed from time to time without notice

1117 S. California Ave, Palo Alto, CA 94304

U.S. Toll-free Number:

+1 844 333 3101

concierge@aeldra.com