---
title: "Opening an account as a newcomer, deposit protection and instant payments"
method: GET
path: "/api/banking-access.json"
---

# Opening an account as a newcomer, deposit protection and instant payments

`GET /api/banking-access.json`

## Request

- Base URL: `https://geo-parity.com`
- URL: `https://geo-parity.com/api/banking-access.json`
- Auth: one of:
  - none
  - HTTP bearer
  - API key in query parameter `key`

Whether a non-resident can open a personal account (`yes`, `restricted`, `no`), the documents usually asked for, the statutory deposit guarantee in local currency and USD, the country's instant payment systems (World Bank Project FASTT), and the EU basic-account right where it applies. A hand-curated register over all 186 spine countries with the page and check date per row; secondary-sourced rows are marked. A country with no scheme has no `depositGuarantee` — never a zero. `country` for one, `countries` for a comparison; without either, a ranking by `metric`. International options are returned as categories, never named providers. For information only, not financial advice.

## Query parameters

- `country` string
- `countries` string
- `metric` 'depositGuaranteeUsd' | 'instantPaymentsSince'
- `sort` 'highest' | 'lowest'
- `access` 'yes' | 'restricted' | 'no'
- `limit` integer

## Response `200`

A country entry, a comparison, or a ranking, each with caveats, international account categories and attribution.

## Other responses

- `400`: Fewer than two countries (TOO_FEW) or an unrecognised metric, sort or access value (INVALID_PARAM).
- `422`: Country not on the 186-country spine (UNKNOWN_COUNTRY) or with no register entry (NO_DATA).

---

[API](https://skmtc.dev/geo-parity/apis/geo-parity-api.md) · [All operations](https://skmtc.dev/geo-parity/apis/geo-parity-api/llms.txt) · [OpenAPI document](https://skmtc.dev/geo-parity/apis/geo-parity-api/revisions/8ddff47a0806?raw)