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Open a bank account in Monaco

⚠ CRSIn-person requiredNon-residents OKfrom £4,500

Who we work with

We work with private banks and wealth-management institutions in the Principality of Monaco. Monaco is suitable exclusively for clients with substantial wealth: most institutions require minimum deposits of EUR 500,000 to EUR 3,000,000. An in-person visit is generally required.

About this destination

Monaco is one of the most exclusive financial centres in the world. The principality manages private wealth in the billions and offers first-class wealth-management services under French and EU law. There is no income tax for non-French residents, no capital-gains tax and no inheritance tax in the direct line.

Monaco has been a CRS member since 2018. Since 2024 Monaco has been on the FATF grey list, with a return to the white list expected for June 2026. Banks continue to operate without restriction; the grey-list status affects compliance requirements for applicants, not the stability of the institutions.

Banking system

All figures are indicative and subject to change. Not investment advice.

Key banks
BNP Paribas Monaco, Société Générale Monaco, Compagnie Monégasque de Banque (CMB), Edmond de Rothschild Monaco, Julius Bär Monaco
Credit rating
EU-regulated institutions; deposit protection up to EUR 100,000 (FGDR/EU)
Deposit guarantee
Up to EUR 100,000 per depositor and bank via the French deposit-guarantee fund (FGDR)
Currency
Euro (EUR); Monaco is part of the eurozone
Inflation
approx. 2.0–2.5% p.a. (2024/2025), closely tied to French inflation
Deposit interest
Individually negotiated depending on mandate and asset size
Banking secrecy & CRS
Monaco's banking law provides strong confidentiality protection; CRS data exchange since 2018. FATF grey list since 2024, delisting expected June 2026.

Knowledge & background

Why bank outside the EU?

EU account registers, EAPO, bail-in risk and de-banking — the full picture.

How our service works: step by step

Five steps from order to activated account.

Declaring your offshore account: what you must report

CRS, FATCA and national reporting obligations explained clearly.

Bail-in explained: when your savings become bank capital

What the EU Bank Recovery and Resolution Directive means for depositors.

Questions first?

We'll tell you within 24 hours whether this destination fits your profile.

Quick overview

CRS status⚠ CRS
Minimum depositfrom EUR 500,000
Remote openingIn-person required
Non-residentsNon-residents OK
Service feefrom £4,500

Not sure if this fits? Free consultation →

Requirements note

Proof of address and phone number must come from the same country — and that must be a genuine residence, not a PO box address. Our Nomad Package sets up a recognised address in the Philippines, including all required documents. Fully remote, no travel required. Ready in 1–2 weeks.

What's included in our service

  • Personal bank introduction
  • Document preparation and review
  • Application coordination
  • Ongoing support until account is active
  • Compliance and AML guidance

All information is provided for general guidance only and does not constitute legal, tax, or financial advice. Regulations and bank policies change; always verify current requirements before proceeding.