Restrictions apply to virtual accounts for residents of certain countries and territories, as set out below. If a country or territory is not listed below, virtual accounts are available on all listed payment networks.
Residents of these countries and territories can open virtual accounts on the payment networks marked ✓ below.
| Country | SEPA | ACH | Fedwire | FedNow | SWIFT |
|---|---|---|---|---|---|
| AL Albania | ✗ | ✓ | ✓ | ✓ | ✓ |
| DZ Algeria | ✓ | ✗ | ✗ | ✗ | ✗ |
| AM Armenia | ✗ | ✓ | ✓ | ✓ | ✓ |
| AZ Azerbaijan | ✗ | ✓ | ✓ | ✓ | ✓ |
| BD Bangladesh | ✓ | ✗ | ✗ | ✗ | ✗ |
| BB Barbados | ✗ | ✓ | ✓ | ✓ | ✓ |
| BW Botswana | ✗ | ✓ | ✓ | ✓ | ✓ |
| BI Burundi | ✗ | ✓ | ✓ | ✓ | ✓ |
| KH Cambodia | ✗ | ✓ | ✓ | ✓ | ✓ |
| GH Ghana | ✗ | ✓ | ✓ | ✓ | ✓ |
| GN Guinea | ✗ | ✓ | ✓ | ✓ | ✓ |
| JM Jamaica | ✗ | ✓ | ✓ | ✓ | ✓ |
| JP Japan | ✗ | ✓ | ✓ | ✓ | ✓ |
| JO Jordan | ✗ | ✓ | ✓ | ✓ | ✓ |
| KZ Kazakhstan | ✗ | ✓ | ✓ | ✓ | ✓ |
| KE Kenya | ✓ | ✗ | ✗ | ✗ | ✗ |
| XK Kosovo | ✓ | ✗ | ✗ | ✗ | ✗ |
| KG Kyrgyzstan | ✗ | ✓ | ✓ | ✓ | ✓ |
| MA Morocco | ✗ | ✓ | ✓ | ✓ | ✓ |
| NP Nepal | ✓ | ✗ | ✗ | ✗ | ✗ |
| NE Niger | ✓ | ✗ | ✗ | ✗ | ✗ |
| NG Nigeria | ✗ | ✓ | ✓ | ✓ | ✓ |
| PA Panama | ✗ | ✓ | ✓ | ✓ | ✓ |
| SN Senegal | ✗ | ✓ | ✓ | ✓ | ✓ |
| TJ Tajikistan | ✗ | ✓ | ✓ | ✓ | ✓ |
| TZ Tanzania (United Republic of) | ✗ | ✓ | ✓ | ✓ | ✓ |
| TT Trinidad and Tobago | ✗ | ✓ | ✓ | ✓ | ✓ |
| TN Tunisia | ✗ | ✓ | ✓ | ✓ | ✓ |
| TM Turkmenistan | ✗ | ✓ | ✓ | ✓ | ✓ |
| UG Uganda | ✗ | ✓ | ✓ | ✓ | ✓ |
| US United States | ✗ | ✓ | ✓ | ✓ | ✓ |
| UZ Uzbekistan | ✗ | ✓ | ✓ | ✓ | ✓ |
Residents of these countries cannot open virtual accounts on any of the listed payment networks.
| Country |
|---|
| AF Afghanistan |
| BY Belarus |
| BF Burkina Faso |
| CF Central African Republic |
| CN China |
| CU Cuba |
| KP Democratic People's Republic of Korea |
| CD Democratic Republic of the Congo |
| GW Guinea-Bissau |
| HT Haiti |
| IR Iran (Islamic Republic of) |
| IQ Iraq |
| LB Lebanon |
| LY Libyan Arab Jamahiriya |
| ML Mali |
| MZ Mozambique |
| MM Myanmar |
| NI Nicaragua |
| PK Pakistan |
| PS Palestinian Territory (Occupied) |
| RU Russian Federation |
| SO Somalia |
| SS South Sudan |
| SD Sudan |
| SY Syrian Arab Republic |
| UA Ukraine |
| GB United Kingdom |
| VU Vanuatu |
| VE Venezuela |
| YE Yemen |
| ZW Zimbabwe |