Gibraltar bank accounts for non-residents, including crypto

Gibraltar combines English common law, a sterling-based economy and a regulator that licensed distributed ledger technology (DLT) firms earlier than most. For non-residents that makes it a niche but useful place to bank, especially for founders and investors whose money moves between crypto assets and traditional currencies.

Three kinds of institution

• Banks (credit institutions) authorised by the GFSC take deposits in sterling, euros, US dollars and other currencies. Deposits are covered by Gibraltar's deposit protection scheme.
• DLT providers hold a GFSC licence to use distributed ledger technology to store or transmit value belonging to others, for example crypto custody or exchange. Crypto assets they hold for you are not bank deposits.
• Institutions with both permissions can hold your cash as a deposit and your crypto assets under the DLT licence. Only the deposit side is covered by deposit protection.

Gibraltar bank account for non-residents: requirements

• A valid passport and proof of residential address for each holder, director and beneficial owner.
• A tax residency self-certification with your tax number, and a declaration of whether you are a US person.
• Evidence of source of wealth and source of funds; for crypto, exchange statements, wallet addresses and transaction history back to the original purchase.
• For companies: certificate of incorporation, current register of directors and shareholders, a structure chart showing every beneficial owner, and an outline of what the company does and with whom.

Crypto-friendly banking: what institutions check

Money that comes from crypto assets is bankable in Gibraltar when the trail is clear. Expect questions on when and how the assets were acquired, which exchanges and wallets were used, and how gains were reported for tax. Unexplained transfers from mixers or unregulated platforms are a common reason for rejection.

Gibraltar bank account for UK residents

Gibraltar is outside the UK for banking purposes. Its banks are authorised by the GFSC, and their deposits fall under Gibraltar's own scheme rather than the UK's FSCS. Since 8 January 2026 that scheme protects up to GBP 120,000 per depositor, with payouts due within seven working days.

Reputation and reporting

FATF removed Gibraltar from its list of jurisdictions under increased monitoring on 23 February 2024. Gibraltar has exchanged financial account information under the CRS since 2017 and applies FATCA under a Model 1 agreement in force since 2015, so accounts are reported to the holder's tax authority.

Redomiciled prepares your file and introduces you to Gibraltar institutions that match your activity; each makes its own decision.