An app without borders

Don't have access to investing?

ADOS is a financial services app that lets you open an account in the United States. You can safeguard your savings, invest in your future, no matter where you live or where you are from.*

*Conditions apply, see key information below


Saving and investing

for everyone

Don’t keep your savings parked, start investing.

Invest the smart way with convenient and flexible account features. You don’t need to be a finance person to grow your wealth, you can do it easily with us.


Why us?

ADOS opens accounts for foreign nationals

ADOS is based out of the United States.  Your cash will always be available, or invested in conservative strategies designed by experts with your peace of mind in sight.


Finance made simple

You don’t need to be an expert. You will have direct access to low-risk markets and advice on multiple portfolio options.  ADOS is like having a financial advisor right in your pocket. 

No minimum balances

You can open an ADOS account without a minimum balance and make the best out of your savings.



You have control of your money. Deposit and withdraw available cash. Change your investments whenever you want.

Automatic decision making

Your portfolio is automatically balanced so that it matches your choice.  Sign up, select a recommendation and your job is done.


No investment minimums.

You decide how much to invest. There is no minimum amount for investing.

Investing and managing cash all in one place

A Cash Management Account (CMA) with the freedom and flexibility of a checking account, associated with an investment account. Serving your daily needs while keeping an eye on your long term goals.


VISA debit card

Use your ADOS VISA debit card at any establishment affiliated with the VISA network and access ATMs worldwide.*

*Conditions apply, see key information below



Securities in your account protected

for up to $500,000

SIPC is a non-profit corporation that has been protecting investors for 50 years. SIPC has recovered billions of dollars for investors. SIPC does not protect against the decline in value of your securities.

For more details, please see


How to start?

Invest in 3 easy steps!


Open your ADOS account

Download the App and follow the instructions to set up your account. Don’t worry, the setup and verification process is quick and easy.


Add funds to your account

You can make an international transfer from your chosen bank or link your US bank account.


Select your investment portfolio

With your profile we will recommend one of our available investment portfolios, taking into account your stated financial objectives and hopefully your peace of mind. 

Available for Android & IOS


Be the first to 

open your account.

Where we are:

ADOS, Inc.

135 E 57th St., 18th Fl.

New York, NY 10022

For support:

(212) 542-4444

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2020 ©

Why Us?




Important Legal Information
Effective 3/25/2021 ADOS INC. stopped offering advisory services and withdrew its registration with the SEC.  ADOS INC is not currently registered and is not filing reports with the SEC or any state.  The information on this website is therefore superseded.  For further information visit
The info provided on this site or in any communication containing a link to this site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject ADOS INC. or its affiliates to any registration requirement within such jurisdiction or country. Neither the information, nor any opinion contained in this site constitutes a solicitation or offer by ADOS INC. or its affiliates to buy or sell any securities, futures, options or other financial instruments or provide any investment advice or service.
Key Information you want to know before jumping in.
Review ADOS INC.  Form CRS for important information about  client relationships with ADOS. 

Not all services available. Restrictions and risks apply. See ADOS Form ADV Part II at for details. All investments subject to risk of loss.
Account opening subject to customer KYC, CIP and jurisdiction limitations.  ADOS reserves right to not open or close any account at any time for any reason or for no reason within it’s sole discretion.

SEC Registration does not imply any skill or expertise or endorsement by SEC.
Some restrictions on Visa card issuance may apply. ADOS-branded debit cards, issued by UMB Bank, N.A., may only be issued to account holders with an official account address that is located in the United States.

An investment in one of the ADOS portfolios is not a bank deposit, and is not insured or guaranteed by ADOS or any of its affiliates or by the Federal Deposit Insurance Corporation or any other government agency. There can be significant delays liquidating portfolio investments and withdrawing funds. 

No investment program is risk free, and a systematic investment plan does not ensure profits or protect against loss in declining markets. Any investment plan should be subject to periodic review for changes in your individual circumstances, including changes in market conditions or your financial ability to continue purchases.

ADOS deposits funds for cash availability in accounts at Federal Deposit Insurance Corporation (FDIC) institutions by UMB Bank, N.A. ADOS Inc. (ADOS) is not a bank and is separate from this FDIC-insured bank.

ADOS customer portfolios and recommended securities are custodied at its broker-dealer affiliate Avanza Capital Markets, Inc. (Member: FINRA/SIPC) which clears through Apex Clearing Inc. (Member: NYSE/SIPC). Member of SIPC, which protects securities customers of its members up to $500,000 (including $250,000 for claims of cash). Explanatory brochure available upon request or at SIPC does not protect against the decline in value of your securities.
These securities are not insured by the FDIC and are not obligations of, or in any way endorsed or guaranteed by, any bank. ADOS is solely responsible for its own contractual obligations and commitments. The amount of FDIC insurance available to each client is subject to other deposits held in the same capacity at the same bank.
Please refer to for current limits.

Fees. There are no costs for downloading the ADOS mobile application, but you may be charged access fees from your wireless service provider. Please check with your wireless service provider for details on specific fees and charges. ADOS charges a subscription fee in addition to fees and expenses associated with your brokerage account.
Limited options.  ADOS designed with simplicity and usability in mind, offers limited investment portfolio options, and no investment advice outside the App.  If you desire a wider variety of options or the ability to speak to a live Investment Advisor ADOS is not for you.

ADOS product roll out and APP availability scheduled for 2020. Full details on all features, including restrictions, limitations and exclusions, are available upon request and will be provided when you download the ADOS application and become an account holder. Before becoming an account holder you should review ADOS Form ADV Part II available here.
Investing involves risk, including possible loss of the principal value invested. Bond funds have the same interest rate, inflation, and credit risks associated with the underlying bonds owned by the fund. Generally, the value of bond funds rises when prevailing interest rates fall and falls when interest rates rise. Investing in lower-grade debt securities (“junk” bonds) may be subject to greater market fluctuations and risk of loss of income and principal than securities in higher rated categories. There are ongoing fees and expenses associated with investing. Bear in mind that higher return potential is accompanied by higher risk. The investment account is a securities account with Avanza Capital Markets, Inc. The account provides access to services and products offered by a licensed bank, including checking and FDIC-insured deposits that are held at the bank. Securities, mutual funds and other non-deposit investment products available through the account are not FDIC insured, not guaranteed by a bank and may lose value. The ADOS branded Visa Card is issued by UMB Bank, N.A.
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