> 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 for online use, physical stores, and ATMs ### 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†’ Profile β†’ Account verification β†’ Apply for 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†’ Profile β†’ Account verification β†’ Apply for 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** ***