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Your money should work as hard as you do
Quick and free sign up
Get a US bank account and routing number in minutes with just your phone and a government-issued ID.
Earn 3.5% interest
Once you direct deposit your salary into Polar, your balance is protected in US dollars and earns 3.5% interest.
Fast, easy transfers
Send money home in seconds with low transfer fees. Transfer to 46 countries in local currency (see full list here).
Why people trust Polar
Security, stability, and support for your hard-earned money.
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Your balance is backed by stable US dollars
We use 256-bit bank-grade encryption
Get support from our team on WhatsApp
Polar card
Spend your Polar balance anywhere Visa is accepted
Withdraw local currency from ATMs worldwide
Use with Google Pay or Apple Pay
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Frequently asked questions
Polar is built for individuals who work for U.S. companies but aren't from the U.S. Some examples:
• International tech employees or contractors employed by U.S. companies
• Cruise ship crew members (e.g. working on Royal Caribbean, Carnival, Norwegian, etc.)
• International freelancers employed by U.S. companies
Polar offers four main advantages:
1. By using a U.S. bank account number as the destination for your U.S. salary, you can usually get paid much faster than by using a foreign bank.
2. You earn 3.5% interest on your savings, unlike many accounts that earn you nothing.
3. Storing your money in U.S. dollars can be much more stable than many local currencies.
4. Polar lets you send money to other countries faster and cheaper than many alternatives.
It's free to sign up for Polar, and we don't charge any fees to deposit money or maintain your account. In addition, you'll earn 3.5% interest on your balance with no fees or minimum requirements. We charge small fees for outgoing transfers that are very competitive with other cross-border transfer services and fully transparent - you'll always see the exact fee before confirming any transfer in the app.
Polar currently supports 46 countries with 20 countries coming soon (see full list here).
Your money starts earning interest as soon as it's in your Polar account. Interest is calculated daily and paid monthly. There are no minimum balance requirements or hidden fees.
Get paid faster and earn more
Sign up in minutes
Send money home instantly
Earn 3.5% interest
Full support on WhatsApp
Polar is a product of GoldenBasis, Inc., a financial technology company, not a bank.
We partner with regulated financial institutions to provide USD account access. Your Polar wallet balance is held in USDC (USD Coin), a digital dollar fully backed by Circle, a licensed and regulated issuer. Each USDC token is backed 1:1 by cash and short-term U.S. Treasury bonds held in reserve.
While transfers between Polar accounts are free, we charge variable fees when users convert their balance to local currency ("cash out"). These rates vary based on factors like location and withdrawal method.
Interest rates offered are subject to change and may vary based on market conditions or the terms set by our financial partners. Please check our platform for the most up-to-date rates.
Polar is not a money services business (MSB) or a money transmitter. All money transmission and related services are facilitated through our licensed and regulated partners.
Use of the Polar platform is subject to terms and conditions, which outline eligibility, product availability, and service limitations. Services may not be available in all jurisdictions.
Transfers, payments, and currency exchanges are provided through authorized partners and may vary based on your location and the recipient's service availability. Processing times for transfers to external bank accounts or cash pickup locations may vary.
By using Polar, you agree to our terms of service and privacy policy. Always ensure you understand the risks associated with digital assets and interest-bearing accounts.