> For the complete documentation index, see [llms.txt](https://bxpay.gitbook.io/bxpay/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://bxpay.gitbook.io/bxpay/faqs/international-account.md). # International Account ### What is an International Account? *(Ascend & Legatus)* An International Account is an account option made available **through our licensed financial partners**, designed for users who require expanded payment capabilities and tier-based limits depending on verification and regional support. International account options are available for: * πŸ’³ **Ascend (Plastic + Bank)** * 🏦 **Legatus (Metal + Bank)** *** ### How long does International Account processing take? Processing and setup **typically take 3–4 weeks**, depending on: * Verification requirements * Partner-bank review * Production and shipping logistics **Process flow:**\ 1️⃣ **KYC approval** β†’ *usually reviewed within 24–48 hours depending on volume and compliance checks*\ 2️⃣ **Account & Card creation** β†’ *typically completed within 1–2 weeks through our financial partner*s\ 3️⃣ **Card printing, packaging & shipment** β†’ *typically 1–2 weeks based on printing and courier timelines* Your account will remain **Pending** until the international account setup is complete. After about **2 weeks** (timeline may vary), users can usually add a mailing address via:\ ➑️ *Cards β†’ Physical Card Request β†’ Delivery* *** ### What is the daily ATM withdrawal limit? * πŸ’³ **Ascend (Plastic + Bank)** β†’ $3,000/day * 🏦 **Legatus (Metal + Bank)** β†’ $8,000/day *** ### How long is the Physical Card valid? Cards generally include a **5-year validity period**.\ They may be replaced earlier in cases such as: * Security updates * Card loss or damage During ongoing system transitions, some cards may temporarily have a shorter validity.\ Once updates are complete, new cards will return to the standard **5-year validity**. *** ### How to Activate Your International Virtual Card * Go to **Menu β†’ All β†’ Account Settings β†’ Submit KYC** (if not yet completed). * Once KYC is approved, your **International Account package** will appear under ***Accounts***. * Apply for the **International Account**. * Account setup is **typically reviewed within 12–24 business hours**, depending on verification * After approval, go to **Cards β†’ Offshore Card (Plastic or Metal)** and click **Activate**. *** ### How do I get the BXpay Physical Card? **Complete KYC:** * Go to Menu β†’ All β†’ Account Settings β†’ Submit KYC. * Enter your personal details. * Upload your passport photo and a selfie holding it. **Approval & Delivery:** * After KYC approval and Offshore Account activation, your Physical Card is automatically processed. * After about 2 weeks, you can add your mailing address under **Cards β†’ Physical Card Request β†’ Delivery.** * Cards are **typically printed, prepared, and shipped within 1–2 weeks**, depending on logistics * During this time, your account will remain β€œPending.” *** ### How do I activate my Physical Card? When your card arrives: 1. Log in to your **BXpay dashboard**. 2. Click **Activate Card**. 3. Upload a **selfie holding your passport and the debit card** you’re activating. * Passport details must be **clearly visible**. 4. Enter your **16-digit card number** and confirm activation. **Activation Time:** typically completed within 24–48 business hours (Mon–Fri).\ Requests made on weekends are processed the next business day. {% hint style="info" %} **Note:** The image below shows how to correctly upload your selfie holding the passport and card.. {% endhint %}
*** ### How will I receive the PIN for my Physical Card? Your PIN will be provided inside the **sealed envelope** delivered with your card. *** ### What are the fees associated with the Physical Card? There are **no additional fees** for the physical card β€” it’s included in your **Ascend** or **Legatus** plan.\ Only **replacement fees** apply: * Ascend β†’ $80 * Legatus β†’ $200 Refer to [**Pricing & Fees**](https://bxpay.gitbook.io/bxpay/using-bxpay/pricing-and-fees) for more information. *** ### What are the fees associated with the International Account? No additional maintenance fees apply to the international account.\ All costs are **included** in the Ascend and Legatus plans. *** ### What are the annual fees starting from Year 2? | Plan | Annual Fee (from Year 2 onwards) | | -------------------------- | -------------------------------- | | πŸ’³ Ascend (Plastic + Bank) | $100 / year | | 🏦 Legatus (Metal + Bank) | $500 / year | Year 1 only includes the **one-time issuance cost** β€” there are no recurring annual fees during the first year. *** ### How can I increase my Physical Card limit? You can request a **temporary spending limit increase** for 7, 15, or 30 days. **Approval time:** 12–24 business hours. To apply, email [**support@bxpay.com**](mailto:support@bxpay.com) with: * Full Name * Email Address * Card Number *** ### Regions where International Accounts are not supported due to regulatory or network restrictions. Afghanistan, Burma/Myanmar, Congo (Democratic Republic & Republic), Cuba, Ethiopia, Iran, Iraq, Lebanon, Libya, Nicaragua, North Korea, Russia, Somalia, South Sudan, United States, Yemen **Russian Clients:** * Users in Russia may have access to certain network options depending on **regulatory requirements** * Cards must be shipped **outside Russia** due to logistics restrictions * Card usability depends on **current regional and network conditions** *** --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://bxpay.gitbook.io/bxpay/faqs/international-account.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.