No bank? No problem.
Banking built for the people banks left behind.
No SSN to start. No monthly fee. Load cash at Walmart, get a Visa debit in your hand, and send money home to your family in minutes — all from one app.
- Visa accepted worldwide
- FDIC-insured partner banks
- ITIN / Matrícula Consular accepted
- Bilingual support
Pedro M.
Construction · Houston, TX · From Guadalajara, MX
Pedro's story
Paid in cash on Friday. In his mother's hands by Sunday.
"I got paid Friday in cash. By Sunday my mom in Guadalajara had it. No Western Union line. My card works at the grocery store, the gas station, even the Apple Store."
— Pedro M., Nitro member
No bank would open an account.
Branches kept asking for an SSN he didn't have. He'd been paying his rent in cash for years.
Check cashers ate 5% every Friday.
On a $1,200 paycheck, that's $60 gone before he walked out the door.
Sending money home was a Saturday errand.
Standing in line at Western Union, paying $25 to send $300 to his mom in Guadalajara.
The journey
From phone in hand to card in pocket.
This is exactly what Pedro did — and what millions of cash-paid workers can do today.
- 01No SSN neededStep 01
Sign up in 3 minutes.
Phone number, a selfie, and a valid ID. We accept ITIN, Matrícula Consular, or passport — no SSN required to open a basic wallet.
- 0290,000+ cash-load locationsStep 02
Fund without a bank.
Walk into Walmart, CVS, Walgreens, 7-Eleven, Dollar General, or Family Dollar with cash. Snap a photo of your paycheck. Or have your employer direct-deposit straight to Nitro.
- 03Issued same dayStep 03
Get approved for the Nitro Card.
Your virtual Visa is ready the moment you sign up. The matte-black physical card arrives in 5–7 days. Free to open, free to use, no monthly fee.
- 0460M+ merchants worldwideStep 04
Spend anywhere Visa is accepted.
Grocery store. Gas pump. Apple Store. Amazon. In-app with Apple Pay or Google Pay. No surprise fees, no foreign transaction fees, real-time alerts on every swipe.
- 05Mid-market FXStep 05
Send money home.
Pesos to family in Guadalajara in minutes — at mid-market FX with one transparent fee. Drop in their wallet or hit a cash-pickup location near them.
The math
Why pay 5% to a check casher when Nitro is free?
| Feature | Cash only | Check casher | Prepaid card | Nitro Wallet |
|---|---|---|---|---|
| ID accepted | — | Gov ID | SSN typically required | ITIN, Matrícula, Passport |
| Account fee | — | — | $5–$10 / mo | $0 forever |
| Cash-load fee | — | 3–5% per check | $3–$5 per load | Free at partner retailers |
| Debit card | ||||
| FDIC-insured deposits | Sometimes | |||
| Send money home (MX) | In person | 5–8% fees | Limited | Mid-market FX in minutes |
| Build credit history | ||||
| App in Spanish | Sometimes |
Cash in. Cash out.
90,000+ places to load your wallet.
Walk in with cash. Walk out with it in your Nitro Wallet. No bank account, no waiting for a check to clear, no fees at partner retailers.
Walmart
CVS
Walgreens
7-Eleven
Dollar General
Family DollarBuilt bilingual. English & Español, side by side.
The app, the alerts, the support line, and every contract — available in both languages from day one.
Safe by design
Your money, protected.
FDIC-insured
Funds held at partner banks insured up to $250,000.
$0 fraud liability
We cover any unauthorized charges on your card.
Real-time alerts
Every swipe, refund, and reload pings your phone.
One-tap freeze
Lose your card? Freeze it from your phone instantly.
A market the banks refused to serve.
7M
U.S. adults are unbanked
19M
more are underbanked
$60B+
sent home to Mexico each year
3–5%
average check-casher fee
Common questions
Everything you're wondering.
- No. You can open a basic Nitro Wallet with an ITIN, Matrícula Consular, or a valid passport. Higher account limits may unlock additional verification, but you can start spending today without an SSN.
- Yes. Your USD balance is held at FDIC-insured partner banks and insured up to $250,000. Crypto balances are held in segregated, audited custody.
- Walk into any of 90,000+ partner retail locations — Walmart, CVS, Walgreens, 7-Eleven, Dollar General, Family Dollar — hand them cash, and it lands in your wallet in minutes. You can also snap a photo of a paycheck or have your employer direct-deposit.
- Most transfers to Mexico land in minutes at mid-market FX. Your family can receive pesos in their own Nitro Wallet or pick up cash at thousands of pickup locations.
- No monthly fee. No minimum balance. No overdraft fees. No foreign transaction fees on your Nitro Card. We make money on optional services, not on you.
- Yes. You'll get a routing and account number you can hand to your employer for direct deposit — and you can get paid up to two days early.
Do I need a Social Security Number?+
Is my money safe and insured?+
How do I add cash if I don't have a bank?+
How fast can I send money to Mexico?+
Are there hidden fees?+
Can my employer pay me into Nitro?+
Your wallet. Your money. Your card.
Skip the bank line. Skip the check-cashing fee. Start with Nitro today.