Pulsar Card covers 76 countries, its EUR accounts 29
Pulsar said on 29 September that creating an IBAN is free rather than a paid upgrade, with EUR accounts for residents of 29 countries and USD accounts for residents of 48. Its own country guide puts card eligibility at 76 countries, and the three lists are not versions of each other.
28 of the 76 card countries have account details in neither currency
Forty-seven of the 76 card countries also appear on the USD list; 29 appear on the EUR list. Twenty-eight appear on neither, which means a resident there can apply for a Pulsar card and has no way to receive a salary or an invoice payment into the same account.
That set includes Japan, South Korea, the United Arab Emirates, Saudi Arabia, Israel, Turkey, Ukraine, Georgia, Kazakhstan, the Philippines, Panama, Ecuador, El Salvador, and every African entry on the card list: Ghana, Kenya, Nigeria, South Africa and Uganda. Pulsar uses Nigeria as its own example, stating that it appears on the card list but not for USD or EUR account details.
The distinction matters because the announcement frames the accounts as the way to get paid and spend in one place. In those 28 countries the card still works as a card, funded the way it was before, and nothing about local payroll or local invoicing changes.
Croatia is card-eligible and absent from the SEPA list
The EUR list is not a list of euro countries. Croatia appears on the card list, uses the euro, and does not appear among the 29 countries with EUR account details. Slovenia appears on the EUR list and not on the USD one. Meanwhile the EUR list includes the United Kingdom, Iceland, Norway, Denmark, Sweden, Poland, Hungary, Czechia, Romania and Bulgaria, none of which use the euro domestically.
Pulsar addresses this directly: EUR SEPA accounts have their own list of 29 countries of residence, and being in Europe or being eligible for a card does not grant EUR account details. The USD list works the same way in reverse — it covers residents of 48 countries, and living in the United States is not a requirement, because "US" describes the account service rather than the holder.
Andorra, Gibraltar, Monaco, Montenegro and Switzerland sit on the card and USD lists without the EUR one, so in those places a euro salary would arrive through a dollar account or not at all.
Singapore has USD account details and no card
The asymmetry runs both ways. Singapore is on the USD list and is the one country there that does not appear on the card list at all. A Singapore resident can hold dollar account details in Pulsar without being able to apply for the card those accounts are meant to fund.
Two further limits sit above all three lists. The card list records where residents can apply, not where the card can be used. And appearing on any list is not sufficient on its own: Pulsar states that access also depends on identity verification, residence checks, compliance requirements, provider coverage and the capabilities of the individual account.
The guide states coverage as of 15 July 2026. Anyone deciding between products on the strength of a country count should check which of the three lists their country sits on before applying, because the answer for the card says nothing about the answer for the accounts. The card list has the fee and KYC terms for comparable products side by side.
Sources: Pulsar Money supported countries, X announcement.