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A virtual account is opened by our banking partner for your customer. Whether it can be opened depends on the country of residence of the customer (the country of the customer, and the state in the United States) and on the currency of the account. Every country not listed on this page is supported, subject to the identity verification (KYC) and proof of address of the customer.
Last updated: October 21, 2026. Our banking partner updates this list from time to time: we keep this page and the API checks in line with it.

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Residence, not nationality

The rule applies to the country where your customer lives, not to their nationality or to the country that issued their ID document. The country checked is the country of the customer (their residential address, which must match their proof of address).
The country of residence must be the real one. It is checked against the proof of address of the customer: a declared address that does not match the documents leads to the refusal of the account.
Every application is reviewed case by case by our banking partner. Passing the country check above does not guarantee that the account will be opened: our banking partner runs its own verifications on every customer (identity, documents, sanctions screening) and may refuse an application, even for a customer living in a supported country. In the examples above, Ivan and Bilal are accepted by the API, but their accounts are opened only after this review. A refused account moves to the status failed, you receive the virtual_account.failed webhook, and the creation fee is refunded.

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How the API checks it

POST /virtual-accounts checks the country of the customer before any fee is charged. If the country is not supported for the requested currency, the request is refused with 422 COUNTRY_NOT_SUPPORTED, and no creation fee is debited:
A customer refused for one currency may be accepted for another one (for example, a resident of Pakistan can open an EUR account, not a USD account).

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Countries not supported

Virtual accounts are not available, in any currency, for residents of:
The occupied territories of Ukraine have no country code of their own, so the API cannot refuse them upfront. The account is then refused by our banking partner (status failed) and the creation fee is refunded.

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Currency restrictions

In these countries, only some currencies are available: BRL and MXN accounts have no additional country restriction.

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United States

Customers residing in the State of New York are not supported. Send the US state of the customer in state (NY or New York): the API refuses the account upfront. All other states are supported, including Florida, Louisiana and Texas.