Fiat currency support

Fern supports several fiat currencies via local payment rails. Fern also supports SWIFT transfers for international wires to all supported regions. Fern is constantly adding support for payins/payouts. This table is subject to change.

Country	Region	Fiat currency	Supported customer types	Payins	Payouts	Local payment rail	Settlement time
Côte d'Ivoire	Africa	XOF	Business, Individual			Local	T+1
Ghana	Africa	GHS	Business, Individual			GhIPSS	Real-time
Kenya	Africa	KES	Business, Individual			KIBBS, PesaLink	T+3
Nigeria	Africa	NGN	Business, Individual			NIBSS, NEFT	Real-time
South Africa	Africa	ZAR	Business, Individual			RTGS, EFT	T+1
Tanzania	Africa	TZS	Business, Individual			RTGS	T+2
Australia	APAC	AUD	Business, Individual			BECS	T+0 / T+1
Bangladesh	APAC	BDT	Individual			BEFTN	T+1
China	APAC	CNY	Business			CNAPS	T+3
Hong Kong	APAC	HKD	Business, Individual			HKICL (CHATS / ECG)	Real-time / T+1
India	APAC	INR	Business, Individual			NEFT, RTGS, IMPS	Real-time
Indonesia	APAC	IDR	Business, Individual			SKN, RTGS	Real-time / T+1
Japan	APAC	JPY	Business, Individual			Zengin	T+0
Malaysia	APAC	MYR	Business, Individual			IBG, RENTAS	Real-time / T+1
Nepal	APAC	NPR	Business, Individual			Local	Real-time / T+2
New Zealand	APAC	NZD	Business, Individual			Local	T+1
Pakistan	APAC	PKR	Individual			RAAST, IBFT	Real-time
Philippines	APAC	PHP	Business, Individual			InstaPay, PESONet	Real-time / T+1
Singapore	APAC	SGD	Business, Individual			FAST, MEPS	Real-time
South Korea	APAC	KRW	Business, Individual			Local	Real-time / T+1
Sri Lanka	APAC	LKR	Business, Individual			Local	T+0
Thailand	APAC	THB	Business, Individual			BAHTNET, PromptPay	Real-time / T+1
Turkey	APAC	TRY	Business, Individual			FAST, EFT	Real-time
Vietnam	APAC	VND	Business, Individual			IBPS	Real-time / T+3
Czech Republic	Europe	CZK	Business, Individual			CERTIS	T+0 / T+1
Denmark	Europe	DKK	Business, Individual			NemKonto, FI	T+0 / T+1
Eurozone	Europe	EUR	Business, Individual			SEPA	Real-time / T+1
Hungary	Europe	HUF	Business, Individual			GIRO	Real-time / T+1
Norway	Europe	NOK	Business, Individual			NICS	T+0 / T+1
Poland	Europe	PLN	Business, Individual			Elixir, Blue Cash	Real-time / T+1
Romania	Europe	RON	Business, Individual			RTGS	T+0 / T+1
Sweden	Europe	SEK	Business, Individual			Bankgirot	T+0 / T+1
UK	Europe	GBP	Business, Individual			BACS, CHAPS, Faster Payments	Real-time / T+1
Egypt	Middle East	EGP	Business, Individual			RTGS, IPN	T+0 / T+1
Israel	Middle East	ILS	Business, Individual			ZAHAV	T+0 / T+1
Jordan	Middle East	JOD	Business, Individual			ACH	T+1 / T+2
Qatar	Middle East	QAR	Business, Individual			QPS	T+1 / T+2
Saudi Arabia	Middle East	SAR	Business, Individual			Mada	T+0 / T+1
UAE	Middle East	AED	Business, Individual			UAEFTS	T+0 / T+1
Canada	North America	CAD	Business, Individual			Interac	T+1 / T+2
Costa Rica	North America	CRC	Business, Individual			SINPE	Real-time
Dominican Republic	North America	DOP	Business, Individual			ACH	Real-time
El Salvador	North America	USD	Business, Individual			Local
Guatemala	North America	GTQ	Business, Individual			ACH Guatemala	T+0 / T+1
Mexico	North America	MXN	Business, Individual			SPEI	Real-time / T+1
US	North America	USD	Business, Individual			ACH, Domestic wire, International wire	T+1 / T+2
Argentina	South America	ARS	Business, Individual			Transfers 3.0	T+1 / T+2
Bolivia	South America	BOB	Business, Individual			RTGS	T+0 / T+1
Brazil	South America	BRL	Business, Individual			TED, DOC, Pix	Real-time / T+0
Chile	South America	CLP	Business, Individual			TEF	T+0 / T+1
Colombia	South America	COP	Business, Individual			ACH Colombia	Real-time / T+1
Ecuador	South America	USD	Business, Individual			Local
Jamaica	South America	JMD	Business, Individual			Local	T+1 / T+2
Peru	South America	PEN	Business, Individual			CCE	T+0 / T+1