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Services · Personal accounts

Personal accounts: Monaco

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 · All country programs

FAQ

Can a non resident open a bank account in Monaco?
Yes, Monaco banks work with non residents, but this is private banking - entry is set by assets, not by passport. Each bank sets its own threshold and it sits at private banking level, not retail. A committee makes the decision and can decline without giving reasons.
Do I need Monaco residency to open an account?
No, you can hold an account without residency. The reverse matters more: to obtain a Monaco residence permit you must open a local account, place funds and get a bank attestation for your file. The bank comes before the permit, not after it.
Do I have to come to Monaco in person?
Yes - meeting the banker face to face is part of the process and video rarely replaces it. The bank wants to understand you, your business and your plans, not just read a form. Plan the trip and bring a complete document set.
Is there still banking secrecy in Monaco?
No. Monaco participates in CRS automatic exchange and your account details are reported to your country of tax residence. Bank here for service quality and wealth management, not for 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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