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 onramps/offramps. This table is subject to change.

Country
Region
Fiat currency
Supported customer types
Currency tier
Onramps
Offramps
Local payment rail
Settlement time

Côte d'Ivoire

Africa

XOF

Business, Individual

Tier 3

Local

T+1

Ghana

Africa

GHS

Business, Individual

Tier 3

GhIPSS

Real-time

Kenya

Africa

KES

Business, Individual

Tier 3

KIBBS, PesaLink

T+3

Nigeria

Africa

NGN

Business, Individual

Tier 3

NIBSS, NEFT

Real-time

South Africa

Africa

ZAR

Business, Individual

Tier 3

RTGS, EFT

T+1

Tanzania

Africa

TZS

Business, Individual

Tier 3

RTGS

T+2

Australia

APAC

AUD

Business, Individual

Tier 3

BECS

T+0 / T+1

Bangladesh

APAC

BDT

Individual

Tier 3

BEFTN

T+1

China

APAC

CNY

Business

Tier 3

CNAPS

T+3

Hong Kong

APAC

HKD

Business, Individual

Tier 3

HKICL (CHATS / ECG)

Real-time / T+1

India

APAC

INR

Business, Individual

Tier 3

NEFT, RTGS, IMPS

Real-time

Indonesia

APAC

IDR

Business, Individual

Tier 3

SKN, RTGS

Real-time / T+1

Japan

APAC

JPY

Business, Individual

Tier 3

Zengin

T+0

Malaysia

APAC

MYR

Business, Individual

Tier 3

IBG, RENTAS

Real-time / T+1

Nepal

APAC

NPR

Business, Individual

Tier 3

Local

Real-time / T+2

New Zealand

APAC

NZD

Business, Individual

Tier 3

Local

T+1

Pakistan

APAC

PKR

Individual

Tier 3

RAAST, IBFT

Real-time

Philippines

APAC

PHP

Business, Individual

Tier 3

InstaPay, PESONet

Real-time / T+1

Singapore

APAC

SGD

Business, Individual

Tier 3

FAST, MEPS

Real-time

South Korea

APAC

KRW

Business, Individual

Tier 3

Local

Real-time / T+1

Sri Lanka

APAC

LKR

Business, Individual

Tier 3

Local

T+0

Thailand

APAC

THB

Business, Individual

Tier 3

BAHTNET, PromptPay

Real-time / T+1

Turkey

APAC

TRY

Business, Individual

Tier 3

FAST, EFT

Real-time

Vietnam

APAC

VND

Business, Individual

Tier 3

IBPS

Real-time / T+3

Czech Republic

Europe

CZK

Business, Individual

Tier 1

CERTIS

T+0 / T+1

Denmark

Europe

DKK

Business, Individual

Tier 1

NemKonto, FI

T+0 / T+1

Eurozone

Europe

EUR

Business, Individual

Tier 1

SEPA

Real-time / T+1

Hungary

Europe

HUF

Business, Individual

Tier 1

GIRO

Real-time / T+1

Norway

Europe

NOK

Business, Individual

Tier 1

NICS

T+0 / T+1

Poland

Europe

PLN

Business, Individual

Tier 1

Elixir, Blue Cash

Real-time / T+1

Romania

Europe

RON

Business, Individual

Tier 1

RTGS

T+0 / T+1

Sweden

Europe

SEK

Business, Individual

Tier 1

Bankgirot

T+0 / T+1

UK

Europe

GBP

Business, Individual

Tier 1

BACS, CHAPS, Faster Payments

Real-time / T+1

Egypt

Middle East

EGP

Business, Individual

Tier 3

RTGS, IPN

T+0 / T+1

Israel

Middle East

ILS

Business, Individual

Tier 3

ZAHAV

T+0 / T+1

Jordan

Middle East

JOD

Business, Individual

Tier 3

ACH

T+1 / T+2

Qatar

Middle East

QAR

Business, Individual

Tier 3

QPS

T+1 / T+2

Saudi Arabia

Middle East

SAR

Business, Individual

Tier 3

Mada

T+0 / T+1

UAE

Middle East

AED

Business, Individual

Tier 3

UAEFTS

T+0 / T+1

Canada

North America

CAD

Business, Individual

Tier 1

Interac

T+1 / T+2

Costa Rica

North America

CRC

Business, Individual

Tier 2

SINPE

Real-time

Dominican Republic

North America

DOP

Business, Individual

Tier 2

ACH

Real-time

El Salvador

North America

USD

Business, Individual

Tier 2

Local

Guatemala

North America

GTQ

Business, Individual

Tier 2

ACH Guatemala

T+0 / T+1

Mexico

North America

MXN

Business, Individual

Tier 2

SPEI

Real-time / T+1

US

North America

USD

Business, Individual

Tier 1

ACH, Domestic wire, International wire

T+1 / T+2

Argentina

South America

ARS

Business, Individual

Tier 2

Transfers 3.0

T+1 / T+2

Bolivia

South America

BOB

Business, Individual

Tier 2

RTGS

T+0 / T+1

Brazil

South America

BRL

Business, Individual

Tier 2

TED, DOC, Pix

Real-time / T+0

Chile

South America

CLP

Business, Individual

Tier 2

TEF

T+0 / T+1

Colombia

South America

COP

Business, Individual

Tier 2

ACH Colombia

Real-time / T+1

Ecuador

South America

USD

Business, Individual

Tier 2

Local

Jamaica

South America

JMD

Business, Individual

Tier 2

Local

T+1 / T+2

Peru

South America

PEN

Business, Individual

Tier 2

CCE

T+0 / T+1

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