Which countries can I open a Send account from?

Send’s standard online application pathway is currently available to individuals and businesses who usually live in and Australia or New Zealand.

If you live outside Australia or New Zealand, you can still start the sign-up process using your actual country of residence. Depending on where you live, you may be able to continue online for further review, or you may be prompted to contact our support team.

Country and product availability can change over time, so eligibility is confirmed at sign-up. This article explains what to do based on your country of residence.

Before you start

This article applies to personal accounts. If you're applying for a business account, see Can my business open a Send account?
You must be at least 18 years old.
Have a valid identification document available, such as a passport or driver’s licence, see Who can open an account with Send? and What do I need to open an account?
Tell us your usual country of residence, the country where you normally live, rather than a country you are visiting temporarily.
All applications are subject to identity verification, eligibility requirements and approval by Send.
If your country is not available to select during sign-up, contact our support team rather than selecting a different country.

Where we currently onboard individuals

If you live in Australia

Send’s standard online application pathway is available to individuals who usually live in Australia.

You can begin your application online. We’ll ask for information about you and how you expect to use Send, and guide you through the required identity verification and onboarding checks.

We'll review your application as part of our normal onboarding checks.

If you live outside Australia

Living outside Australia does not automatically mean that Send cannot consider your application.

You can start your application online using your actual country of residence. Once submitted, your application will be referred for manual review.

We may consider factors including:

Your country of residence
Your citizenship or residency status
Any relevant connection to Australia
How you intend to use the account
The countries, currencies and payment routes you need
Whether we and our banking or payment providers can support the required services
Applicable legal, regulatory, compliance and risk requirements

We may contact you for further information or documents before completing the review.

Each application is assessed on its own circumstances. Being an Australian citizen, holding an Australian bank account or having another connection to Australia may be relevant, but does not automatically guarantee approval.

Applications from customers living outside Australia may take longer because additional review is required. Some products, currencies or payment routes may not be available.

If you need an account for a business, please see Can my business open a Send account?

Countries we may not be able to support

We cannot offer accounts or services in every country. Whether we can support your country depends on a combination of factors, including:

Sanctions or other legal restrictions
Local licensing or regulatory requirements
Financial crime and country risk considerations
Banking, provider or payment-route limitations
The currencies or payment routes required

Country and product availability can change over time.

How to check if your country is supported

The easiest way to find out is to start the sign-up process:

Go to the Send website and start signing-up for a Send account.
Select your country of residence, or the country of business registration.
If your country is supported, you can continue with sign-up.
If your country is not supported, you'll be prompted to contact our support team.

Please do not select a different country in order to continue. We assess where you actually live, so choosing a different country of residence may cause your application to be declined.

Why we ask where you live

Your country of residence helps us determine:

Which legal and regulatory requirements apply
Which products and services may be available to you
Whether we can complete the required identity and compliance checks
Whether the countries, currencies and payment routes you need are supported

Approval for a Send account does not automatically mean that every product, country, currency or payment route will be available.

What happens next

If you live in Australia, you can begin your application online.
If you live outside Australia, you can still submit your application online, but it will be referred for manual review.
We may contact you if we need further information or documents.
We’ll let you know once the review is complete or if we cannot support your application.
All applications are subject to identity and compliance checks, even where your country is supported.

Common questions

I live overseas - can I still open a Send account?

Yes. You can begin an application online using your actual country of residence if it is listed as an option
Your application will be referred for manual review so we can determine whether we can support your account and intended transactions. Approval and product availability are not guaranteed.

I live in New Zealand - what should I do?

Yes. You can begin an application online using New Zealand as your country of residence.
Your application will be referred for manual review and assessed based on your circumstances, intended use of the account and the services you require. Not all products or payment routes may be available.

I'm an Australian citizen living overseas - can I open an account?

Yes. You can begin an application online using the country where you currently live.
Australian citizenship may be relevant to our assessment, but it does not automatically determine whether we can approve your application.
We’ll also consider your country of residence, intended account use, required payment routes and other applicable requirements.

I’m temporarily travelling overseas. What country should I select

Select your usual country of residence rather than the country you are visiting temporarily.

I tried to pick my country during sign-up but it wasn't listed - what now?

If your country isn't available during sign-up, the standard onboarding pathway is not currently available for that country.
Please contact our support team for the latest information.

Will Send be available in my country in the future?

Country availability may change over time.
Please contact our support team for the latest information.

Contact us

Call Us

Phone: 1800 982 418
International: +61 7 5619 5700
Hours: 8:30am - 5:30pm AEST/AEDT, Monday - Friday

Email Us

info@sendpayments.com