> ## Documentation Index > Fetch the complete documentation index at: https://docs.fernhq.com/llms.txt > Use this file to discover all available pages before exploring further. # Fiat Currency Support 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. | Country | Region | Fiat currency | Supported customer types | Currency tier | Onramps | Offramps | Local payment rail | Settlement time | Required payment account details | | ------------------ | ------------- | ------------- | ------------------------ | ------------- | ------- | -------- | -------------------------------------- | --------------- | ----------------------------------------------------------------- | | Côte d'Ivoire | Africa | XOF | Business, Individual | Tier 3 | No | No | Local | T+1 | TBD | | Ghana | Africa | GHS | Business, Individual | Tier 3 | No | Yes | GhIPSS | Real-time | Account number | | Kenya | Africa | KES | Business, Individual | Tier 3 | No | Yes | KIBBS | T+3 | Account number | | Nigeria | Africa | NGN | Business, Individual | Tier 3 | No | Yes | NIBSS, NEFT | Real-time | NUBAN code, Account number | | South Africa | Africa | ZAR | Business, Individual | Tier 3 | No | Yes | RTGS, EFT | T+1 | Account number | | Tanzania | Africa | TZS | Business, Individual | Tier 3 | No | Yes | RTGS | T+2 | Account number | | Australia | APAC | AUD | Business, Individual | Tier 3 | No | Yes | BECS | T+0 / T+1 | BSB number, Account number | | Bangladesh | APAC | BDT | Individual | Tier 3 | No | Yes | BEFTN | T+1 | Bank code, Account number | | China | APAC | CNY | Business | Tier 3 | No | Yes | CNAPS | T+3 | CNAPS code, Account number | | Hong Kong | APAC | HKD | Business, Individual | Tier 3 | No | Yes | HKICL (CHATS / ECG) | Real-time / T+1 | Clearing code, Account number | | India | APAC | INR | Business, Individual | Tier 3 | No | Yes | NEFT, RTGS, IMPS | Real-time | IFSC code, Account number | | Indonesia | APAC | IDR | Business, Individual | Tier 3 | Yes | Yes | SKN, RTGS | Real-time / T+1 | Bank code, Account number | | Japan | APAC | JPY | Business, Individual | Tier 3 | No | Yes | Zengin | T+0 | Account number | | Malaysia | APAC | MYR | Business, Individual | Tier 3 | No | Yes | IBG, RENTAS | Real-time / T+1 | Account number | | Nepal | APAC | NPR | Business, Individual | Tier 3 | No | No | Local | Real-time / T+2 | TBD | | New Zealand | APAC | NZD | Business, Individual | Tier 3 | No | No | Local | T+1 | Bank code, Account number | | Pakistan | APAC | PKR | Individual | Tier 3 | No | Yes | RAAST, IBFT | Real-time | IBAN | | Philippines | APAC | PHP | Business, Individual | Tier 3 | Yes | Yes | InstaPay, PESONet | Real-time / T+1 | Account number | | Singapore | APAC | SGD | Business, Individual | Tier 3 | No | Yes | FAST, MEPS | Real-time | Bank code, Account number | | South Korea | APAC | KRW | Business, Individual | Tier 3 | No | No | Local | Real-time / T+1 | Account number | | Sri Lanka | APAC | LKR | Business, Individual | Tier 3 | No | No | Local | T+0 | Bank code, Account number | | Thailand | APAC | THB | Business, Individual | Tier 3 | No | Yes | BAHTNET, PromptPay | Real-time / T+1 | Bank code, Account number | | Turkey | APAC | TRY | Business, Individual | Tier 3 | No | Yes | FAST, EFT | Real-time | IBAN, Account number | | Vietnam | APAC | VND | Business, Individual | Tier 3 | No | Yes | IBPS | Real-time / T+3 | Account number | | Czech Republic | Europe | CZK | Business, Individual | Tier 1 | No | Yes | CERTIS | T+0 / T+1 | IBAN | | Denmark | Europe | DKK | Business, Individual | Tier 1 | No | Yes | NemKonto, FI | T+0 / T+1 | IBAN | | Eurozone | Europe | EUR | Business, Individual | Tier 1 | Yes | Yes | SEPA | Real-time / T+1 | IBAN | | Hungary | Europe | HUF | Business, Individual | Tier 1 | No | No | GIRO | Real-time / T+1 | IBAN | | Norway | Europe | NOK | Business, Individual | Tier 1 | No | Yes | NICS | T+0 / T+1 | IBAN | | Poland | Europe | PLN | Business, Individual | Tier 1 | No | Yes | Elixir, Blue Cash | Real-time / T+1 | IBAN | | Romania | Europe | RON | Business, Individual | Tier 1 | No | Yes | RTGS | T+0 / T+1 | IBAN | | Sweden | Europe | SEK | Business, Individual | Tier 1 | No | Yes | Bankgirot | T+0 / T+1 | IBAN | | UK | Europe | GBP | Business, Individual | Tier 1 | No | Yes | BACS, CHAPS, Faster Payments | Real-time / T+1 | Sort code, Account number | | Egypt | Middle East | EGP | Business, Individual | Tier 3 | No | Yes | RTGS, IPN | T+0 / T+1 | Account number | | Israel | Middle East | ILS | Business, Individual | Tier 3 | No | Yes | ZAHAV | T+0 / T+1 | IBAN | | Jordan | Middle East | JOD | Business, Individual | Tier 3 | No | No | ACH | T+1 / T+2 | TBD | | Qatar | Middle East | QAR | Business, Individual | Tier 3 | No | No | QPS | T+1 / T+2 | TBD | | Saudi Arabia | Middle East | SAR | Business, Individual | Tier 3 | No | Yes | Mada | T+0 / T+1 | IBAN, Account number | | UAE | Middle East | AED | Business, Individual | Tier 3 | No | Yes | UAEFTS | T+0 / T+1 | IBAN, Bank code | | Canada | North America | CAD | Business, Individual | Tier 1 | No | Yes | EFT | T+1 / T+2 | Transit number, Account number | | Costa Rica | North America | CRC | Business, Individual | Tier 2 | No | Yes | SINPE | Real-time | IBAN, Bank code | | Dominican Republic | North America | DOP | Business, Individual | Tier 2 | No | Yes | ACH | Real-time | IBAN, Tax number | | El Salvador | North America | USD | Business, Individual | Tier 2 | No | Yes | Local | - | Account number | | Guatemala | North America | GTQ | Business, Individual | Tier 2 | No | No | ACH Guatemala | T+0 / T+1 | Account number | | Mexico | North America | MXN | Business, Individual | Tier 2 | Yes | Yes | SPEI | Real-time / T+1 | CLABE number | | US | North America | USD | Business, Individual | Tier 1 | Yes | Yes | ACH, Domestic wire, International wire | T+1 / T+2 | Routing number, Account number | | Argentina | South America | ARS | Business, Individual | Tier 2 | Yes | Yes | Transfers 3.0 | T+1 / T+2 | Account number | | Bolivia | South America | BOB | Business, Individual | Tier 2 | No | Yes | RTGS | T+0 / T+1 | Account number | | Brazil | South America | BRL | Business, Individual | Tier 2 | Yes | Yes | TED, DOC, Pix | Real-time / T+0 | Pix code, Tax number (CPF for individuals and CNPJ for companies) | | Chile | South America | CLP | Business, Individual | Tier 2 | No | Yes | TEF | T+0 / T+1 | Account number | | Colombia | South America | COP | Business, Individual | Tier 2 | No | Yes | ACH Colombia | Real-time / T+1 | Account number, Tax number | | Ecuador | South America | USD | Business, Individual | Tier 2 | No | Yes | Local | - | Account number | | Jamaica | South America | JMD | Business, Individual | Tier 2 | No | No | Local | T+1 / T+2 | Account number | | Peru | South America | PEN | Business, Individual | Tier 2 | No | Yes | CCE | T+0 / T+1 | Account number |