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