diff --git a/transfermethodui/src/main/java/com/hyperwallet/android/ui/transfermethod/view/SelectTransferMethodPresenter.java b/transfermethodui/src/main/java/com/hyperwallet/android/ui/transfermethod/view/SelectTransferMethodPresenter.java
index 7e529c0c6..28583e43e 100644
--- a/transfermethodui/src/main/java/com/hyperwallet/android/ui/transfermethod/view/SelectTransferMethodPresenter.java
+++ b/transfermethodui/src/main/java/com/hyperwallet/android/ui/transfermethod/view/SelectTransferMethodPresenter.java
@@ -43,8 +43,6 @@
 
 public class SelectTransferMethodPresenter implements SelectTransferMethodContract.Presenter {
 
-    private static final String DEFAULT_COUNTRY_CODE = "US";
-
     private final TransferMethodConfigurationRepository mTransferMethodConfigurationRepository;
     private final UserRepository mUserRepository;
     private final SelectTransferMethodContract.View mView;
@@ -82,7 +80,7 @@ public void onKeysLoaded(@Nullable final HyperwalletTransferMethodConfigurationK
                                         : key.getCountry(countryCode);
 
                                 if (country == null) { // param and user country is null
-                                    country = key.getCountry(DEFAULT_COUNTRY_CODE);
+                                    country = key.getCountries().iterator().next();
                                 }
 
                                 String currencyCodeString = currencyCode;
diff --git a/transfermethodui/src/test/java/com/hyperwallet/android/ui/transfermethod/SelectTransferMethodPresenterTest.java b/transfermethodui/src/test/java/com/hyperwallet/android/ui/transfermethod/SelectTransferMethodPresenterTest.java
index c179c48f7..7e941e228 100644
--- a/transfermethodui/src/test/java/com/hyperwallet/android/ui/transfermethod/SelectTransferMethodPresenterTest.java
+++ b/transfermethodui/src/test/java/com/hyperwallet/android/ui/transfermethod/SelectTransferMethodPresenterTest.java
@@ -31,6 +31,7 @@
 import com.hyperwallet.android.ui.user.repository.UserRepositoryImpl;
 
 import org.hamcrest.Matchers;
+import org.json.JSONException;
 import org.json.JSONObject;
 import org.junit.Before;
 import org.junit.Rule;
@@ -1073,4 +1074,58 @@ public Object answer(InvocationOnMock invocation) {
         selectTransferMethodPresenter.loadTransferMethodTypes(false, "CA", "CAD");
         verify(view).showErrorLoadTransferMethodTypes(ArgumentMatchers.<Error>anyList());
     }
+
+    @Test
+    public void loadTransferMethodConfigurationKeys_userWithCountryNotPresentInProgramCountries() throws JSONException {
+        // User's country is Albania which is not present in mResult successful_tmc_keys_response.json
+        String userResponseBody = externalResourceManager.getResourceContent("user_al_response.json");
+        final JSONObject userJsonObject = new JSONObject(userResponseBody);
+        final User user = new User(userJsonObject);
+
+        when(view.isActive()).thenReturn(true);
+        doAnswer(new Answer() {
+            @Override
+            public Object answer(InvocationOnMock invocation) {
+                TransferMethodConfigurationRepository.LoadKeysCallback callback =
+                        (TransferMethodConfigurationRepository.LoadKeysCallback) invocation.getArguments()[0];
+                callback.onKeysLoaded(mResult);
+                return callback;
+            }
+        }).when(mTransferMethodConfigurationRepository).getKeys(any(
+                TransferMethodConfigurationRepository.LoadKeysCallback.class));
+        doAnswer(new Answer() {
+            @Override
+            public Object answer(InvocationOnMock invocation) {
+                TransferMethodConfigurationRepository.LoadKeysCallback callback =
+                        (TransferMethodConfigurationRepository.LoadKeysCallback) invocation.getArguments()[2];
+                callback.onKeysLoaded(mFeeAndProcessingTimeResult);
+                return callback;
+            }
+        }).when(mTransferMethodConfigurationRepository).getTransferMethodTypesFeeAndProcessingTime(anyString(), anyString(), any(
+                TransferMethodConfigurationRepository.LoadKeysCallback.class));
+        doAnswer(new Answer() {
+            @Override
+            public Object answer(InvocationOnMock invocation) {
+                UserRepository.LoadUserCallback userCallback =
+                        (UserRepository.LoadUserCallback) invocation.getArguments()[0];
+                userCallback.onUserLoaded(user);
+                return userCallback;
+            }
+        }).when(mUserRepository).loadUser(any(
+                UserRepository.LoadUserCallback.class));
+
+        selectTransferMethodPresenter.loadTransferMethodConfigurationKeys(true, null, null);
+
+        // Canada is first country in successful_tmc_keys_response.json
+        verify(view).showTransferMethodCountry("CA");
+        verify(view).showTransferMethodCurrency("CAD");
+        verify(view).showTransferMethodTypes(ArgumentMatchers.<TransferMethodSelectionItem>anyList());
+        verify(view, never()).showErrorLoadTransferMethodConfigurationKeys(
+                ArgumentMatchers.<Error>anyList());
+        verify(view, never()).showErrorLoadCurrency(ArgumentMatchers.<Error>anyList());
+        verify(view, never()).showErrorLoadTransferMethodTypes(ArgumentMatchers.<Error>anyList());
+        verify(view, never()).showErrorLoadCountrySelection(ArgumentMatchers.<Error>anyList());
+        verify(view, never()).showErrorLoadCurrencySelection(ArgumentMatchers.<Error>anyList());
+        verify(view, never()).showAddTransferMethod(anyString(), anyString(), anyString(), anyString());
+    }
 }
diff --git a/transfermethodui/src/test/resources/user_al_response.json b/transfermethodui/src/test/resources/user_al_response.json
new file mode 100644
index 000000000..a10d5a906
--- /dev/null
+++ b/transfermethodui/src/test/resources/user_al_response.json
@@ -0,0 +1,26 @@
+{
+  "token": "usr-token-5",
+  "status": "PRE_ACTIVATED",
+  "createdOn": "2017-10-30T22:15:45",
+  "clientUserId": "123456",
+  "profileType": "INDIVIDUAL",
+  "firstName": "Person",
+  "lastName": "FromAlbania",
+  "dateOfBirth": "1991-01-01",
+  "email": "user+5satF1xV@hyperwallet.com",
+  "addressLine1": "950 Granville",
+  "city": "Gjirokaster",
+  "stateProvince": "Gjirokaster",
+  "country": "AL",
+  "postalCode": "443001",
+  "language": "en",
+  "programToken": "prg-token-2",
+  "links": [
+    {
+      "params": {
+        "rel": "self"
+      },
+      "href": "https://localhost/rest/v3/users/usr-token-5"
+    }
+  ]
+}
\ No newline at end of file