We check every customer against the lists below. This page exists so you can see them before you apply, rather than after.
Read this part first if it applies to you. Completing our service requires you to sign an application in the Estonian Business Register portal, using an Estonian ID card, e-Residency, Mobile-ID or Smart-ID. If the Estonian state will not issue you one, the final step is closed to you — regardless of anything we do.
These restrictions are set by the Estonian Police and Border Guard Board, not by us. If your citizenship appears below, write to us before paying — there are recognised exceptions, and it is far better to find out now.
Estonia - e-Residency conditional, from 1 Oct 2025 · 2 countries
Estonia - e-Residency not reviewed, from 1 Oct 2025 · 10 countries
Appearing on one of these is not a refusal. It means the law requires us to look more closely — we ask for more, it takes longer, and occasionally we conclude that we cannot proceed. Most customers connected to a listed country are onboarded normally.
These lists are published by the Financial Action Task Force and the European Commission. We read them from the official sources and re-check them monthly; the version in force is shown against each.
EU high-risk third countries, in force 29 Jan 2026 · 26 countries
FATF call for action, 19 June 2026 · 3 countries
FATF increased monitoring, 19 June 2026 · 22 countries
We look at the country that issued your passport or ID, the country your proof of address is from, and any nationality or residence you tell us about. A connection through any of them is a connection.
The lists change. What you see here is what we hold today, with the version of each shown above — if you are reading this some time after applying, check again.