OVZA
New Horizons Paraguay
Ticker tape by TradingView

open bank account personal EU not resident

Status
Not open for further replies.
L

lonizzita

🗣️ Active Recruit
Sep 19, 2019
116
0
36
Hello
I am an Italian citizen and a resident of Malta.
I am looking for a personal bank account in a physical bank in Western Europe (Austria, United Kingdom, Switzerland, Luxembourg, Belgium etc.)

I have already gone to Switzerland and many banks do not accept Maltese residents.

please, where can you recommend, to open bank account? or even an introducer who can help me ..

thank you
 
I made a list a while back in another thread. This is a bit updated.‌

Some are online only. Some are for trading only and don't like (or even allow)‍ third-party transfers. The British ones or the ones based in British territories usually ask for⁠ 25-100,000 GBP minimum.
With an introducer, banks in Cyprus might be an option. If you work in igaming and️ plan to have your salary deposited, that might be a problem. Banks in Cyprus don't‌ like payments to and from igaming companies.

I'm not actually recommending any of these banks.‍ It's just a list of banks that have been known to and/or currently seem to⁠ allow remote opening, relatively easily for EU residents/nationals with medium to high income (but not⁤ millions as required for private banking/wealth management) and who can undergo proper compliance checks.
 
I should‌ maybe have made that clearer but I touched on it in the last sentence of‍ my post. The list is mostly aimed at EU residents, sometimes EU nationals living outside⁠ EU.
 
1. Austria, Belgium, Suissse, Lux - When you approach a top3 high street, you'll run‌ into a wall: "what is your connection to the country of our bank?"

Just being‍ a EU resident and living in Malta isn't quite enough. But what is enough, is⁠ collecting rent from a local rental unit, especially in Lux, Belgium, and Austria.

Known private⁤ banking brands in Suisse do not care about the connections much. Botswana residency and no⁣ local ties will suffice, but you'll need to maintain 7 figures.

2. The UK.

RBS opens personal accounts to non-residents of the UK who are residents of the EU. Perhaps⁢ one of the best options for the Maltese considering the lack of minimum balance requirements.︀ But due to Brexit, IDK for how long this will last. Maybe for a few︁ months, maybe for a little longer.

Citibank opens accounts to residents of most countries, including︂ but not limited to residents of the EU. Minimum relationship balance to maintain an account︃ is 250k. But you do not need to collect rental income to justify your need︄ for an account to the compliance officer as with options on the mainland.

If you︅ have 250K, go straight to a branch of Citi London. This account will last whatever︆ the outcome of Brexit negotiations. Should the UK banks be allowed to continue participating in︇ the SEPA payments system, they'll keep their competitive advantage (CHAPS, FASTER, SWIFT, SEPA) vs just︈ (SWIFT, SEPA) from a bank in Luxembourg.

Regards,
 
sorry what you mean: ''collecting rent from a local rental unit''
you could explain to me?

thanks
 
Purchase an apartment in the country where you‍ want to bank (as an investment). You don't need to lie that you live there.⁠ Just say that you need an account to collect rent payments.

Job/project/school are the alternative⁤ justifications for having a non-resident account in the EU.
 
I just looked at the thread title⁠ and assumed these banks were for non EU residents lol. Totally opposite of what the⁤ thread was about
 
The problem with Citi London is that it is very costly to keep EUR there. They⁤ apply negative EUR rates in a form of fixed fees depending on the amount held.⁣
 
could you be interested in an emi that is better than commercial bank?
 
Since you are resident in an European country, you will be able to open one‌ basic bank account in many countries.
It is set by EU law, but not all‍ countries are following this regulation.

If you'd go for Ireland (for example AIB), you⁠ can get an account for free, if you do not receive more than approx. 19.000⁤ € per year.
In Austria it is usually quite expensive.

You are also able to⁣ use very exclusive banks for that. But be aware of the fees then.
 
For a big fee you can get almost everywhere
Portugese caixa for example tor 8k‌ euro ...
 
N
N26, you don’t need to be resident of EU. You just need an address in EU.‌ (You can use mail forwarding service.)
 
@luta I have seen a few people mention this. How does it work?

Can you‌ give your address of residence in a territorial tax country like Georgia and then give‍ a correspondence address in the EU? So they ship the card to the EU but⁠ you're also on record with your correct location?
 
Status
Not open for further replies.

JohnnyDoe.is is an uncensored discussion forum
focused on free speech,
independent thinking, and controversial ideas.
Everyone is responsible for their own words.

Quick Navigation

Forums

User Menu

Login
Community platform by JohnnyDoe © 2025 JohnnyDoe
Top Bottom