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Services · Personal accounts

Personal accounts: Guernsey

An honest assessment before work starts, the quote is fixed in writing.

We assess your chances against your profile, prepare the compliance file, help you present your source of funds properly and handle communication with the bank until it decides. The final decision always rests with the bank, so no one can guarantee an opening - careful preparation simply improves the odds.

We quote the exact cost for this country after a short consultation: it depends on the bank and your residency. The quote is fixed in writing before work starts.

Fees

ServicePrice
Personal account - opening assistanceon request

Prices are indicative and cover our work on a typical case. We confirm the exact quote in writing after a short call - you know the final number before we start. Government fees and bank tariffs are billed separately unless explicitly included.

See also

Company formation · Business account · Investment property

FAQ

Can a non-resident open a personal account in Guernsey?
Yes, but the offer is private banking rather than retail. Mass market non-resident banking has shrunk, and banks focus on wealthy clients and structures. The entry bar is high.
What is the minimum balance for a Guernsey account?
There is no single figure - each bank sets its own, and for non-residents it is usually six figures in pounds or dollars. Below that you either do not get the account or you pay noticeable servicing fees. Check current terms bank by bank.
How do I prove source of funds in Guernsey?
With documents across the whole chain: sale agreements for a business or property, tax returns, statements, probate papers, audited accounts. Saying it is savings from years of work will not clear the file on its own. The larger the sum, the deeper the review.
Is there banking secrecy in Guernsey?
Not in the way people imagine. Guernsey was an early CRS adopter and reports to clients' countries of tax residence, with FATCA applying to US persons. The draw today is service quality, stability and asset protection, not secrecy.

Don’t want to figure this out alone?

We handle the whole process end to end: we assess your chances with specific banks, prepare your documents and give you honest timelines. Leave your details and a personal banking expert will get back to you. The first consultation is free.

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