Zolve

Zolve offers a US bank account and credit card to people living outside the United States. It's built for global professionals who need a US financial presence without a US address or Social Security number.

What it does

Zolve partners with US banks to provide FDIC-insured accounts and Visa credit cards. You sign up with your passport and foreign address, get a virtual card instantly, and receive a physical card by mail. The app handles currency conversion, transfers, and credit building.

Best for

• Remote workers paid in USD who live abroad
• International freelancers needing a US bank account for client payments
• Expats moving to the US who want credit history from day one

Strengths

• No Social Security number or US address required for account opening
• Credit card builds US credit history from first use
• Real-time currency conversion with competitive exchange rates

• US bank account — FDIC-insured checking account with routing and account numbers
• Visa credit card — Unsecured card that reports to US credit bureaus
• Instant virtual card — Use immediately after approval for online purchases
• Multi-currency support — Hold and convert USD, EUR, GBP, and more
• Global transfers — Send money to 50+ countries with low fees
• Mobile app — Manage account, card, and transfers from your phone