Whether a newcomer can open a personal bank account in a country (yes, restricted or no) with the documents usually asked for from a fixed vocabulary, the statutory deposit guarantee per depositor per bank in local currency AND converted to USD at the site's FX snapshot, the country's instant payment systems from the World Bank's Project FASTT tracker, the EU basic-account right under Directive 2014/92/EU where it applies, and a FATCA flag where banks commonly decline US citizens — a hand-curated register over all 186 spine countries, added 17 Sep 2026, with the scheme or regulator page and check date per row (confidence: "secondary" where the official page could not be fetched, separately on depositGuarantee for the figure). A country with no deposit-insurance scheme has NO depositGuarantee — never a zero — and a country absent from FASTT has no instantPayments, which is not the same as having no instant payments. country for one entry, countries for a side-by-side; without either, ranks by metric (depositGuaranteeUsd default, or instantPaymentsSince, whose sort=lowest lists the longest-running first), optionally narrowed by access, with countries lacking the metric in excluded. internationalOptions describes the kinds of cross-border account and what protects the money — categories only, never a named provider. For information only — not financial advice; banks set their own onboarding policies and every response says so first.
