Supported countries
How Fundly decides where it is available, what the country check does, and where physical cards can be shipped.
How availability works
Fundly is available in a growing list of countries. The list is set by three things:
- The licences held by our partners. Cards are issued by [PARTNER] and the EUR IBAN account is provided by [PARTNER]. Each partner can only serve residents of the countries its licence covers.
- Local rules. Some countries restrict crypto products, card products or both.
- Sanctions and risk. We do not serve residents of sanctioned or restricted jurisdictions, and we screen every sign-up against sanctions lists.
Because of this, the country list changes over time, and it can differ between the Instant card, the Verified level and the IBAN account.
The country check at sign-up
When you sign up, you choose your country of residence. We then run a country check, which does three things:
- Confirms that Fundly and its partners can serve residents of that country.
- Runs sanctions and politically exposed person screening against your details.
- Decides which features you can use, for example whether an Instant card is available or whether you must verify first.
The check uses your declared country, your phone number's country code and basic device signals. If they do not match, you may be asked to verify your identity before continuing. Instant cards have monthly limits set by our partner and regulators, and in some countries the Instant level is not offered at all.
Country-by-country differences
Within supported countries, a few things vary:
| Feature | Varies by country? | What decides it |
|---|---|---|
| Instant card | Yes | [PARTNER] simplified due diligence rules |
| Verified account | Yes | [PARTNER] licence coverage |
| EUR IBAN account | Yes | [PARTNER] IBAN provider coverage, mostly EEA plus selected others |
| Physical card shipping | Yes | Shipping to 100+ countries at launch |
| Documents accepted | Yes | See Documents we accept |
Physical card shipping
At launch, physical cards ship to 100+ countries. Delivery is typically 5 to 10 business days inside the EU and up to 3 weeks elsewhere. Shipping is available only to Verified users, and the delivery address must be in a supported shipping country. See Physical cards.
Moving country
If you move to another country, update your residence in the app under Profile. You may be asked to provide a new proof of address. If your new country is not supported, we will tell you how long you have to withdraw your balance.
Not available in your country yet?
Join the waitlist from the website. Referrals from the waitlist move you up the queue, and we email when your country goes live. See What is Fundly for the overall picture.
Fundly is a financial technology company, not a bank. Limits and fees described as “at launch” are proposals and may change.