The smarter way to manage USD earnings globally

Polar is built for people who earn USD globally including:
• Freelancers on Upwork, Fiverr, Freelancer.com, goLance, etc.
• Ship crew members (e.g. Royal Caribbean, Carnival, Norwegian, etc.)
• Remote workers who have contracts with U.S. clients or U.S. companies
• Digital creators earning USD through YouTube, Twitch, Patreon, etc.
• Migrant workers in the U.S.
• People receiving remittances from the U.S.
• AirBnB hosts, Etsy sellers, eBay sellers, Amazon FBA sellers, etc.

If you are earning USD but not from the U.S., Polar offers six main advantages:
1. Get a U.S. bank account to receive your USD earnings. You need only your phone and local ID, and the whole process takes just a few minutes.
2. Storing your money in U.S. dollars can be much more stable than many local currencies.
3. You can earn high-yield interest (2-6% APY) on your savings, and it's paid out every second. Many savings accounts earn you almost nothing!
4. We make it easy to invest in gold, Bitcoin or Ethereum for as little as $1.
5. Send money to 123 countries faster and cheaper than most alternatives.
6. We care deeply about our customers. We love hearing your feedback and make the product better every week.

Yes. As a financial app, we take security very seriously at Polar. There are five main things we do in order to keep Polar safe and secure:
1. We verify your identity. We require identity verification before you can use Polar to ensure only you have access to your account.
2. We use state-of-the-art encryption. All your data is protected with the same level of encryption used by major financial institutions.
3. We require biometric or passcode authentication. Your app is secured by Face ID, fingerprint, or passcode, and we require one of these every time you initiate a transfer or trade.
4. We partner with trusted infrastructure providers. We use infrastructure from Stripe and Coinbase, companies worth over $50 billion, to keep your assets secure.
5. You own your account. You can revoke our access anytime and maintain full control over your funds.

It's free to sign up for Polar, and we don't charge any fees to deposit money or maintain your account.

Our exchange rates are competitive and often better than other cross-border transfer services. We're also fully transparent - you'll always see an estimate of exactly how much your recipient will receive before confirming a transfer in the app.

There's no fees or lockups for our savings account, and trading fees are $0.05 + 0.5% per trade.

Polar offers fast and cheap transfers from USD to 123 countries total. We offer direct bank and/or mobile money transfers to 79 countries, and we offer the ability to send your USD as USDT or USDC almost anywhere in the world. There are 118 countries supported well enough by large crypto exchanges like Binance, Bybit, OKX, or others to exchange USDT or USDC for local currency.

79 countries with direct bank and/or mobile money transfers:
🇦🇱 Albania (EUR only), 🇦🇩 Andorra (EUR), 🇦🇷 Argentina (ARS), 🇦🇹 Austria (EUR), 🇧🇪 Belgium (EUR), 🇧🇷 Brazil (BRL), 🇧🇬 Bulgaria (EUR only), 🇨🇲 Cameroon (XAF), 🇨🇱 Chile (CLP), 🇨🇴 Colombia (COP), 🇨🇷 Costa Rica (CRC only, USD coming soon), 🇭🇷 Croatia (EUR), 🇨🇾 Cyprus (EUR), 🇨🇿 Czechia (EUR only, CZK coming soon), 🇩🇰 Denmark (EUR only, DKK coming soon), 🇩🇴 Dominican Republic (DOP only), 🇪🇬 Egypt (EGP only), 🇸🇻 El Salvador (USD), 🇪🇪 Estonia (EUR), 🇫🇮 Finland (EUR), 🇫🇷 France (EUR), 🇬🇫 French Guiana (EUR), 🇩🇪 Germany (EUR), 🇬🇭 Ghana (GHS), 🇬🇷 Greece (EUR), 🇬🇵 Guadeloupe (EUR), 🇬🇹 Guatemala (GTQ), 🇬🇬 Guernsey (GBP), 🇻🇦 Holy See (Vatican City State) (EUR), 🇭🇳 Honduras (HNL only), 🇭🇺 Hungary (HUF), 🇮🇸 Iceland (ISK), 🇮🇩 Indonesia (IDR), 🇮🇪 Ireland (EUR), 🇮🇲 Isle of Man (EUR only), 🇮🇹 Italy (EUR), 🇯🇲 Jamaica (JMD), 🇯🇪 Jersey (EUR only), 🇰🇪 Kenya (KES), 🇱🇻 Latvia (EUR), 🇱🇮 Liechtenstein (EUR only), 🇱🇹 Lithuania (EUR), 🇱🇺 Luxembourg (EUR), 🇲🇼 Malawi (MWK), 🇲🇾 Malaysia (MYR), 🇲🇹 Malta (EUR), 🇲🇶 Martinique (EUR), 🇾🇹 Mayotte (EUR), 🇲🇽 Mexico (MXN), 🇲🇨 Monaco (EUR), 🇳🇱 Netherlands (EUR), 🇳🇬 Nigeria (NGN), 🇳🇴 Norway (EUR only, NOK coming soon), 🇵🇰 Pakistan (PKR), 🇵🇪 Peru (PEN), 🇵🇭 Philippines (PHP), 🇵🇱 Poland (EUR only, PLN coming soon), 🇵🇹 Portugal (EUR), 🇷🇪 Réunion (EUR), 🇷🇴 Romania (EUR only, RON coming soon), 🇷🇼 Rwanda (RWF), 🇧🇱 Saint Barthélemy (EUR), 🇲🇫 Saint Martin (French part) (EUR), 🇵🇲 Saint Pierre and Miquelon (EUR), 🇸🇲 San Marino (EUR), 🇸🇰 Slovakia (EUR), 🇸🇮 Slovenia (EUR), 🇿🇦 South Africa (ZAR), 🇪🇸 Spain (EUR), 🇸🇪 Sweden (EUR only, SEK coming soon), 🇨🇭 Switzerland (EUR only), 🇹🇿 Tanzania (TZS), 🇹🇭 Thailand (THB), 🇹🇷 Turkey (TRY), 🇺🇬 Uganda (UGX), 🇦🇪 United Arab Emirates (AED), 🇺🇸 United States (USD) (except AK and NY), 🇻🇳 Viet Nam (VND), and 🇿🇲 Zambia (ZMW)

118 countries with crypto exchanges
🇦🇱 Albania, 🇦🇩 Andorra, 🇦🇴 Angola, 🇦🇷 Argentina, 🇦🇲 Armenia, 🇦🇺 Australia, 🇦🇹 Austria, 🇦🇿 Azerbaijan, 🇧🇭 Bahrain, 🇧🇪 Belgium, 🇧🇯 Benin, 🇧🇴 Bolivia, 🇧🇷 Brazil, 🇧🇬 Bulgaria, 🇧🇫 Burkina Faso, 🇰🇭 Cambodia, 🇨🇲 Cameroon, 🇨🇦 Canada, 🇹🇩 Chad, 🇨🇱 Chile, 🇨🇴 Colombia, 🇨🇬 Congo, 🇨🇷 Costa Rica, 🇨🇮 Côte d'Ivoire, 🇭🇷 Croatia, 🇨🇾 Cyprus, 🇨🇿 Czechia, 🇩🇰 Denmark, 🇩🇴 Dominican Republic, 🇪🇬 Egypt, 🇬🇶 Equatorial Guinea, 🇪🇪 Estonia, 🇫🇮 Finland, 🇫🇷 France, 🇬🇫 French Guiana, 🇬🇦 Gabon, 🇬🇲 Gambia, 🇬🇪 Georgia, 🇩🇪 Germany, 🇬🇭 Ghana, 🇬🇷 Greece, 🇬🇵 Guadeloupe, 🇬🇹 Guatemala, 🇬🇬 Guernsey, 🇻🇦 Holy See (Vatican City State), 🇭🇳 Honduras, 🇭🇰 Hong Kong, 🇭🇺 Hungary, 🇮🇸 Iceland, 🇮🇳 India, 🇮🇩 Indonesia, 🇮🇪 Ireland, 🇮🇲 Isle of Man, 🇮🇱 Israel, 🇮🇹 Italy, 🇯🇵 Japan, 🇯🇪 Jersey, 🇯🇴 Jordan, 🇰🇿 Kazakhstan, 🇰🇼 Kuwait, 🇰🇬 Kyrgyzstan, 🇱🇦 Lao People's Democratic Republic, 🇱🇻 Latvia, 🇱🇷 Liberia, 🇱🇮 Liechtenstein, 🇱🇹 Lithuania, 🇱🇺 Luxembourg, 🇲🇴 Macao, 🇲🇼 Malawi, 🇲🇾 Malaysia, 🇲🇹 Malta, 🇲🇶 Martinique, 🇲🇷 Mauritania, 🇾🇹 Mayotte, 🇲🇽 Mexico, 🇲🇨 Monaco, 🇲🇳 Mongolia, 🇳🇱 Netherlands, 🇳🇿 New Zealand, 🇳🇬 Nigeria, 🇳🇴 Norway, 🇴🇲 Oman, 🇵🇦 Panama, 🇵🇾 Paraguay, 🇵🇪 Peru, 🇵🇭 Philippines, 🇵🇱 Poland, 🇵🇹 Portugal, 🇷🇪 Réunion, 🇷🇴 Romania, 🇷🇼 Rwanda, 🇧🇱 Saint Barthélemy, 🇲🇫 Saint Martin (French part), 🇵🇲 Saint Pierre and Miquelon, 🇸🇲 San Marino, 🇸🇦 Saudi Arabia, 🇸🇳 Senegal, 🇸🇬 Singapore, 🇸🇰 Slovakia, 🇸🇮 Slovenia, 🇿🇦 South Africa, 🇰🇷 South Korea, 🇪🇸 Spain, 🇱🇰 Sri Lanka, 🇸🇪 Sweden, 🇨🇭 Switzerland, 🇹🇯 Tajikistan, 🇹🇿 Tanzania, 🇹🇬 Togo, 🇹🇷 Turkey, 🇺🇬 Uganda, 🇺🇦 Ukraine, 🇦🇪 United Arab Emirates, 🇺🇸 United States, 🇺🇾 Uruguay, 🇺🇿 Uzbekistan, 🇻🇳 Viet Nam, and 🇿🇲 Zambia

It depends on the country and transfer method.

Receiving money (deposits): ACH deposits from U.S. sources (like Upwork, employers, or U.S. banks) are free and typically take 0-2 business days to arrive in your Polar account.

Sending money (withdrawals): Transfer speeds vary by country and method.
• Most mobile money transfers: 5-10 minutes
• Crypto transfers (USDT/USDC): 5-10 minutes
• Many bank transfers: 0-30 minutes to same day
• Some countries: 1-3 business days

You'll see the exact estimated arrival time in the app before you confirm any transfer.

The interest rate (APY) varies based on market conditions and typically ranges between 2% and 6%. The rate adjusts throughout the day as market conditions change. You can start saving with as little as $1, interest is earned every second, and you can withdraw anytime with no fees or lockups.

Anyone can sign up to use Polar except residents of the following countries:
🇦🇫 Afghanistan, 🇩🇿 Algeria, 🇧🇩 Bangladesh, 🇧🇾 Belarus, 🇧🇹 Bhutan, 🇧🇮 Burundi, 🇨🇳 China, 🇨🇺 Cuba, 🇨🇩 Democratic Republic of the Congo, 🇬🇼 Guinea-Bissau, 🇭🇹 Haiti, 🇮🇷 Iran, 🇮🇶 Iraq, 🇰🇪 Kenya, 🇱🇧 Lebanon, 🇱🇾 Libya, 🇲🇦 Morocco, 🇲🇿 Mozambique, 🇲🇲 Myanmar, 🇳🇵 Nepal, 🇳🇮 Nicaragua, 🇳🇪 Niger, 🇰🇵 North Korea, 🇲🇰 North Macedonia, 🇵🇰 Pakistan, 🇵🇸 Palestine, 🇶🇦 Qatar, 🇷🇺 Russia, 🇸🇴 Somalia, 🇸🇸 South Sudan, 🇸🇩 Sudan, 🇸🇾 Syria, 🇻🇪 Venezuela, 🇾🇪 Yemen, 🇿🇼 Zimbabwe

Note that if you're originally from one of the restricted countries above but reside elsewhere, you are eligible to use Polar, but we may require a proof of address.