> 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/virtual-account.md).

# Virtual Account

## How do I activate my BXPay Virtual Card?

To get your Virtual Card, follow these steps:

**📝 Complete KYC**

* Go to **Menu → All → Profile → Account Verification → Apply for KYC**.
* Enter your **personal details**.
* Upload your **passport or government-issued ID**.
* Take and upload a **selfie holding the same document**.
* Submit your application for review.

#### **✅ Virtual KYC & Activation**

Once your initial KYC is approved, users who wish to apply for a **Virtual Account and Virtual Card** must complete an additional Virtual KYC step.

* Complete the required **liveness check**.
* Depending on your nationality and country of residence, you may also be required to provide **proof of address**, such as a bill, bank statement, or similar document showing your residential address.
* Once the required verification is approved, go to **Accounts → Apply for the Virtual Account**.
* Then navigate to **Cards → Activate Card**.
* Your **Virtual Card** will be available for online use after the required approval and activation process is completed.

{% hint style="info" %}
**Note:** The additional Virtual KYC requirements apply to **all new users applying for a Virtual Account and Card**, as well as **existing Virtual Account holders requesting a new Virtual Card**.
{% endhint %}

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#### Can I withdraw funds with my Virtual Card?

No — **virtual cards do not support ATM withdrawals**.

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## 🌍 Virtual Account Country & Nationality Requirements

Effective **24 August 2026**, updated nationality and country-of-residence requirements apply when completing KYC for a Virtual Account and Card.

**🚫 Completely Prohibited Countries and Nationalities**

* Cuba
* Iran
* North Korea

{% hint style="warning" %}

* Nationals of these countries are **not accepted regardless of their country of residence**.
* Users of other nationalities who **reside in any of these three countries are also not accepted**.
  {% endhint %}

#### **🌐 Countries of Residence Not Accepted**

* Afghanistan
* Belarus
* Central African Republic
* Chile
* China
* Democratic Republic of the Congo
* India
* Indonesia
* Iraq
* Israel
* Myanmar
* Nepal
* Russia
* Somalia
* South Sudan
* Sudan
* Syria
* Turkey
* Ukraine
* United States
* Venezuela
* Vietnam

{% hint style="warning" %}

* For the countries listed above, the restriction is based on **country of residence**.
* This means that a national of one of these countries **may be accepted if they live in a country that is not on the restricted residence list**, subject to verification requirements.
* If you are a national of one of these countries but reside in an accepted country, you will be required to provide **proof of address**.
  {% endhint %}

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### 🔄 What happens to existing Virtual Account holders?

The **Virtual KYC status of existing users will change from “Approved” to “Update Required.”**

This **does not affect the functionality of an existing account or card**, and users are **not required to update their KYC immediately**.

However, completing the updated Virtual KYC is **strongly recommended** so that if you request a new Virtual Card in the future, the required verification is already completed.