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Money
Keep more of what you earn — and of what you send home.
Families who live across borders pay more than their neighbours for the same financial services: on every transfer, every international call, every first credit card. Our money programmes are built to close that gap.
Sending money home
Member transfer partners are vetted for reliability and show the full cost — fee and exchange rate together — before you send. Compare the total amount your family receives, not just the fee.
International calling plans keep the household connected without surprises on the bill.
- Total cost shown before you send
- Vetted transfer partners
- Calling plans built for families across borders
Banking and credit
A bank account and a credit history open doors — to a lease, a car loan and a better insurance price. Our banking partners welcome new arrivals and members building credit for the first time.
- Accounts for members building their first US credit
- Savings accounts and certificates
- A member cash-back card
Taxes and ITIN
Tax preparation through member partners includes ITIN applications and renewals, and filing for households with income in more than one country.
Free for everyone: tax preparation help is also listed among the free services on this site.
- Tax preparation and ITIN filing
- Help with income from more than one country
- Free tax help through partner programmes
Saving for the future
Retirement accounts, financial planning and wills, trusts and estate planning help a household protect what it has built — here and in the country of origin.
- Retirement accounts
- Financial planning
- Wills, trusts and estate planning
Protecting your money
Scams aimed at families with a foreign-born story are increasing. Scam Watch publishes the schemes in circulation and what to do in the first hours after a loss.
Open Scam Watch
Member programmes in this area
11 programmes from the catalogue. Each shows its status: live today, or opening as its partner agreement is signed.
Money & financeMoney transfers
Member rates to more than a hundred countries, with the exchange-rate margin shown in full.
Opening soon
Money & financeInternational calling
Calling and mobile plans priced for families on another continent.
Opening soonMoney & financeBanking & credit building
Accounts that open with an ITIN and foreign identification, and credit-building tools for thin files.
Opening soonMoney & financeHigh-yield savings & CDs
A savings account with a member rate and no minimum; certificate options.
Opening soonMoney & financeCash-back credit card
Rewards on remittances, travel, fuel and groceries, designed to build credit history.
Opening soonMoney & financeRetirement accounts
An ITIN holder can open a retirement account; most households never learn that.
Opening soonMoney & financeTax preparation & ITIN filing
Member rates on preparation and filing, including ITIN applications and renewals.
Opening soonMoney & financeFinancial planning
A first session with a planner who understands two-country finances: sending home, saving here, retiring in either.
Opening soon
Money & financeWills, trusts & estate planning
Wills, trusts and guardianship documents that account for family in two countries.
Opening soon
Money & financeStudent-loan & benefits tools
Free eligibility reviews for loan repayment programmes and public benefits.
Opening soonMoney & financeFinancial news & tools
Premium market tools at member rates, and free calculators.
Opening soonFree for everyone
Open to every family, member or not.
Questions, answered plainly
Do you hold or transfer money?
No. Transfers are made directly with licensed partners; Together and Stronger never holds members' money.
Can you give financial advice?
We explain options in plain language and refer members to qualified professionals; we do not give individual financial advice.
Stronger together, starting today.
Join in a few minutes. Your card arrives immediately, children under eighteen are always free, and no one ever asks about immigration status.
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