The Discreet InvestorOffshore & Swiss banking for individuals and companies Bank accounts, opened right
Twelve banks and payment institutions in Switzerland, Georgia, the UK, Gibraltar, Belize, Panama, the Bahamas and Dominica — each chosen because it genuinely wants international clients, and each one we work with as an official partner. Our fees are published, and every bank's fine print is on the page.
Personal accounts
Hold, grow and move your own money — from Swiss investment banking to crypto-friendly accounts.
Compare personal accounts ↓ For companiesBusiness accounts
Accounts in your company's name — for operating companies, holdings, trusts and crypto-native businesses.
Compare business accounts ↓An official partner of every bank on this page
Your application never goes in cold. It reaches the bank through an established partner channel, prepared by a team that knows what each bank's compliance expects to see.
Personal accounts, compared
Sorted by our fee. The figure on the right of each bank is its key entry condition; the full tariffs are on each bank's page.
- 24 currencies, each with its own IBAN
- 0.50% FX over interbank
- Stocks, ETFs, forex and crypto
- 21 base currencies
- USD, EUR, GBP, CAD, CHF
- US persons accepted
- Amex Platinum, lounges, SOLO manager
- 2–4% on card balances
- GEL, USD, EUR and GBP
- US stocks from $1
- Free card, free incoming SWIFT
- From ₾1.5 a month
- EUR, USD, GBP and CNY in one account
- Usually opened in one business day
- 20+ currencies, Visa Infinite cards
- Stocks and ETFs in the same app
- EUR, USD, GBP next to BTC, ETH, USDT
- Its own SWIFT code and IBANs
- BTC and USD under one licence
- £120,000 deposit guarantee
- Lombard loans and advisory
- FINMA, CHF 100k protection
- US-dollar banking in Panama
- Same-day international wires
Business accounts, compared
A business account is judged on the company, its owners and its activity — a different file, a different fee, and sometimes a different bank.
- Multi-currency IBANs for the company
- FX and trading access
- Investment account in the company's name
- Holding and family structures
- IBCs, trusts, foundations
- Corporate Visa cards
- Georgian IE or LLC account
- Opened by power of attorney
- Georgian IE or LLC account
- Opened by power of attorney
- Georgian IE or LLC account
- Personal + business in one process
- Plans for iGaming, affiliates and CASPs
- Direct SWIFT and SEPA Instant
- 24 currencies, dual approval
- 2.28% on USD balances
- Forex, MSB and digital-asset firms
- Dedicated euro IBAN
- Trade finance desk
- Companies with real substance
- Crypto-friendly corporate account
- Deposit in USDT, USDC, BTC or ETH
- BTC + USD treasury for companies
- Crypto-native businesses
Start from the goal
Which bank for which need
Crypto wealth
Xapo, Towerbank, The Kingdom Bank and Swissquote — banks that understand where modern money comes from.
Swiss safety
CIM Banque, Dukascopy and Swissquote — FINMA supervision and CHF 100,000 protection.
Fully remote
SOLO, TBC Concept, Xapo, Swissquote, Bilder and BankPro — opened without leaving home.
Trusts & foundations
Caye International Bank and BankPro — accounts for offshore companies, trusts, foundations and partnerships.
Company + account
A Georgian IE or LLC, a Belize or Panama company — registered by us and banked through our partners.
Procedure
Four steps to the account
Your profile, your money's origin and your goal — matched against what each bank actually accepts.
The right bank same call
One or two banks that genuinely want your profile — not a list of twelve to try one by one.
Dossier & submission days to weeks
Documents, source of funds and business description prepared to the bank's standard, then filed through our partner channel.
We answer the bank's questions, stay on through funding and the first large transfers.
The honest map
What we'll never promise about your bank account
- Guaranteed approval — the bank always decides, and anyone promising otherwise is selling you a refund dispute
- Secrecy — every bank here exchanges information under CRS; these are confidential accounts, not hidden ones
- Crypto without paperwork — even crypto-friendly banks need a documented trail
- One bank for every profile — each bank has its own appetite; matching is the job
- An official partner channel into every bank on this page
- A free pre-screening before any fee is paid — to us or to the bank
- Published fees for every bank, personal and business
- Source-of-funds dossiers built for the files others decline
FAQ
The questions that decide files
Which bank is right for me? +
It depends on three things: where your money comes from, what you need the account to do, and where you live. The free pre-screening answers exactly that — and usually narrows twelve banks down to one or two.
Why are personal and business accounts listed separately? +
Because they're different products for different needs. A personal account is judged on you; a business account is judged on the company, its owners and its activity. The fee and the file are different — so are the banks that fit best.
Why go through a partner instead of applying directly? +
We are an official partner of every bank on this page. Files reach the bank through an established channel, prepared to its standard — and the costliest failure, a rejected application after fees are paid, is what our pre-screening exists to prevent.
Can you guarantee approval? +
No — and no honest agent can. The final decision always belongs to the bank. What we guarantee is a file prepared to the bank's standard and a pre-screening that tells you honestly whether it's worth applying.
Are these accounts reported to tax authorities? +
Yes. Every bank here takes part in international information exchange (CRS, and FATCA where relevant). These are legitimate accounts for legitimate money — planned for transparency, not secrecy.
Do I need a company for a business account? +
Yes — the account is opened in the company's name. If you don't have the right entity yet, we register one: in Georgia, Belize, Panama and other jurisdictions.
The account works best when the structure behind it is right. Our clients combine a company, the matching bank account and, where it fits, a residence permit or second citizenship — sequenced on one call.
The right bank, the first time.
A free pre-screening that tells you which of our twelve banks actually wants your profile — before anything is paid. Reply within one business day.