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Fern supports several fiat currencies via local payment rails. Fern is constantly adding support for onramps/offramps. This table is subject to change.\ Notes on settlement times:
  • “Real-time” usually means “settlement” within less than 1 business hour, NOT “instant”.
  • Settlement times are not guaranteed. There are many factors that may affect settlement times. Fern makes a best effort to settle transactions in the settlement times listed, but cannot guarantee settlement times.
CountryRegionFiat currencySupported customer typesCurrency tierOnrampsOfframpsLocal payment railSettlement timeRequired payment account details
Côte d’IvoireAfricaXOFBusiness, IndividualTier 3NoNoLocalT+1TBD
GhanaAfricaGHSBusiness, IndividualTier 3NoYesGhIPSSReal-timeAccount number
KenyaAfricaKESBusiness, IndividualTier 3NoYesKIBBST+3Account number
NigeriaAfricaNGNBusiness, IndividualTier 3NoYesNIBSS, NEFTReal-timeNUBAN code, Account number
South AfricaAfricaZARBusiness, IndividualTier 3NoYesRTGS, EFTT+1Account number
TanzaniaAfricaTZSBusiness, IndividualTier 3NoYesRTGST+2Account number
AustraliaAPACAUDBusiness, IndividualTier 3NoYesBECST+0 / T+1BSB number, Account number
BangladeshAPACBDTIndividualTier 3NoYesBEFTNT+1Bank code, Account number
ChinaAPACCNYBusinessTier 3NoYesCNAPST+3CNAPS code, Account number
Hong KongAPACHKDBusiness, IndividualTier 3NoYesHKICL (CHATS / ECG)Real-time / T+1Clearing code, Account number
IndiaAPACINRBusiness, IndividualTier 3NoYesNEFT, RTGS, IMPSReal-timeIFSC code, Account number
IndonesiaAPACIDRBusiness, IndividualTier 3YesYesSKN, RTGSReal-time / T+1Bank code, Account number
JapanAPACJPYBusiness, IndividualTier 3NoYesZenginT+0Account number
MalaysiaAPACMYRBusiness, IndividualTier 3NoYesIBG, RENTASReal-time / T+1Account number
NepalAPACNPRBusiness, IndividualTier 3NoNoLocalReal-time / T+2TBD
New ZealandAPACNZDBusiness, IndividualTier 3NoNoLocalT+1Bank code, Account number
PakistanAPACPKRIndividualTier 3NoYesRAAST, IBFTReal-timeIBAN
PhilippinesAPACPHPBusiness, IndividualTier 3YesYesInstaPay, PESONetReal-time / T+1Account number
SingaporeAPACSGDBusiness, IndividualTier 3NoYesFAST, MEPSReal-timeBank code, Account number
South KoreaAPACKRWBusiness, IndividualTier 3NoNoLocalReal-time / T+1Account number
Sri LankaAPACLKRBusiness, IndividualTier 3NoNoLocalT+0Bank code, Account number
ThailandAPACTHBBusiness, IndividualTier 3NoYesBAHTNET, PromptPayReal-time / T+1Bank code, Account number
TurkeyAPACTRYBusiness, IndividualTier 3NoYesFAST, EFTReal-timeIBAN, Account number
VietnamAPACVNDBusiness, IndividualTier 3NoYesIBPSReal-time / T+3Account number
Czech RepublicEuropeCZKBusiness, IndividualTier 1NoYesCERTIST+0 / T+1IBAN
DenmarkEuropeDKKBusiness, IndividualTier 1NoYesNemKonto, FIT+0 / T+1IBAN
EurozoneEuropeEURBusiness, IndividualTier 1YesYesSEPAReal-time / T+1IBAN
HungaryEuropeHUFBusiness, IndividualTier 1NoNoGIROReal-time / T+1IBAN
NorwayEuropeNOKBusiness, IndividualTier 1NoYesNICST+0 / T+1IBAN
PolandEuropePLNBusiness, IndividualTier 1NoYesElixir, Blue CashReal-time / T+1IBAN
RomaniaEuropeRONBusiness, IndividualTier 1NoYesRTGST+0 / T+1IBAN
SwedenEuropeSEKBusiness, IndividualTier 1NoYesBankgirotT+0 / T+1IBAN
UKEuropeGBPBusiness, IndividualTier 1NoYesBACS, CHAPS, Faster PaymentsReal-time / T+1Sort code, Account number
EgyptMiddle EastEGPBusiness, IndividualTier 3NoYesRTGS, IPNT+0 / T+1Account number
IsraelMiddle EastILSBusiness, IndividualTier 3NoYesZAHAVT+0 / T+1IBAN
JordanMiddle EastJODBusiness, IndividualTier 3NoNoACHT+1 / T+2TBD
QatarMiddle EastQARBusiness, IndividualTier 3NoNoQPST+1 / T+2TBD
Saudi ArabiaMiddle EastSARBusiness, IndividualTier 3NoYesMadaT+0 / T+1IBAN, Account number
UAEMiddle EastAEDBusiness, IndividualTier 3NoYesUAEFTST+0 / T+1IBAN, Bank code
CanadaNorth AmericaCADBusiness, IndividualTier 1NoYesEFTT+1 / T+2Transit number, Account number
Costa RicaNorth AmericaCRCBusiness, IndividualTier 2NoYesSINPEReal-timeIBAN, Bank code
Dominican RepublicNorth AmericaDOPBusiness, IndividualTier 2NoYesACHReal-timeIBAN, Tax number
El SalvadorNorth AmericaUSDBusiness, IndividualTier 2NoYesLocal-Account number
GuatemalaNorth AmericaGTQBusiness, IndividualTier 2NoNoACH GuatemalaT+0 / T+1Account number
MexicoNorth AmericaMXNBusiness, IndividualTier 2YesYesSPEIReal-time / T+1CLABE number
USNorth AmericaUSDBusiness, IndividualTier 1YesYesACH, Domestic wire, International wireT+1 / T+2Routing number, Account number
ArgentinaSouth AmericaARSBusiness, IndividualTier 2YesYesTransfers 3.0T+1 / T+2Account number
BoliviaSouth AmericaBOBBusiness, IndividualTier 2NoYesRTGST+0 / T+1Account number
BrazilSouth AmericaBRLBusiness, IndividualTier 2YesYesTED, DOC, PixReal-time / T+0Pix code, Tax number (CPF for individuals and CNPJ for companies)
ChileSouth AmericaCLPBusiness, IndividualTier 2NoYesTEFT+0 / T+1Account number
ColombiaSouth AmericaCOPBusiness, IndividualTier 2NoYesACH ColombiaReal-time / T+1Account number, Tax number
EcuadorSouth AmericaUSDBusiness, IndividualTier 2NoYesLocal-Account number
JamaicaSouth AmericaJMDBusiness, IndividualTier 2NoNoLocalT+1 / T+2Account number
PeruSouth AmericaPENBusiness, IndividualTier 2NoYesCCET+0 / T+1Account number