Bank
Banking you can trust
Service you can rely on
Corporate banking services from a licensed bank based in the Isle of Man.
A bank for corporate & high net-worth clients
A licensed bank
We are a licensed, regulated bank operating under a Class 1 (2) banking license which allows us to serve corporates and high net worth individuals.
Personalised service
Our service is personalised and reliable. All of our clients are assigned a dedicated Relationship Executive to assist with account opening and handle your queries.
Based in a strong jurisdiction
The Isle of Man has a strong reputation within the global finance sector, winning ‘Best International Finance Centre’ in the Investment International Awards in 2021, 2022 and 2024.
A bank for corporate & high net-worth clients
A licensed bank
We are a licensed, regulated bank operating under a Class 1 (2) banking license which allows us to serve corporates and high net worth individuals.
Personalised service
Our service is personalised and reliable. All of our clients are assigned a dedicated Relationship Executive to assist with account opening and handle your queries.
Based in a strong jurisdiction
The Isle of Man has a strong reputation within the global finance sector, winning ‘Best International Finance Centre’ in the Investment International Awards in 2021, 2022 and 2024.
The tools you need to manage money
Upload your details and documents
Gain access to our digital application portal where you will provide further details and upload documentation. You’ll be able to save progress on your application and easilly pinpoint exactly what is missing at any point.
A banking platform built for corporates
Our state-of-the-art, digital banking platform, VELTA, has been specifically designed to meet the needs of corporate clients.
Payments & FX
We make international transactions simple with a range of payment types to choose from across 20 currencies, as well as a live-rate FX transaction facility.
Mobile Banking
Monitor your accounts and authorise payments using our mobile app to make sure your business keeps moving even when you’re on-the-go.
Our fiduciary solution
Diversify large deposits across multiple counterparty banks
Gain access to several highly-rated banks through a single relationship with Capital International Bank.
Efficient account opening
Step 1
Get a quick ‘yes’ or ‘no’
After your application has been reviewed by our team, we will notify you when your account is open. At this point, we offer you and your team a personalised walk-through of our system to ensure you make the most of our service.
Step 2
Upload details and documents
Gain access to our digital application portal where you will provide further details and upload documentation. You’ll be able to save progress on your application and easilly pinpoint exactly what is missing at any point.
Step 3
Account opening
After your application has been reviewed by our team, we will notify you when your account is open. At this point, we offer you and your team a personalised walk-through of our system to ensure you make the most of our service.
Account opening
After your application has been reviewed by our team, we will notify you when your account is open. At this point, we offer you and your team a personalised walk-through of our system to ensure you make the most of our service.
Get a quick ‘yes’ or ‘no’
We don’t waste your time. Find out at the outset whether we can open an account for you in principle. Provide just a few details to our team and we’ll get back to you with an indication of whether we can open your account and how much it will cost.
Upload details and documents
Gain access to our digital application portal where you will provide further details and upload documentation. You’ll be able to save progress on your application and easily pinpoint exactly what is missing at any point.
Account opening
After your application has been reviewed by our team, we will notify you when your account is open. At this point, we offer you and your team a personalised walk-through of our system to ensure you make the most of our service.
A range of accounts including the ‘AAAf’ rated*, same-day** access Excess Fiduciary Account
We offer much more than simple cash management. Access multiple account types to meet a range of requirements.
Manage day to day transactions for your company
CCA
Capital Call Account
All clients of Capital International Bank have access to a Capital Call Account. This is the core account used for the day to day operation of your business.
Hold balances of £500,000 or less
Execute Payments & FX in multiple currencies
Bulk payments facility available
CTA
Capital Treasury Account
Clients transacting in higher values will use the Capital Treasury Account to assist with day to day cash management.
Execute Payments & FX in multiple currencies
Bulk Payments facility available
Residual end of day balance swept daily to the Excess Fiduciary Account (off balance sheet)
Earn interest on cash whilst retaining liquidity
EFA
Excess Fiduciary Account
Use the EFA to diversify your monies across at least one other highly-rated counterparty bank. The EFA currently pays competitive rates of interest on GBP, EUR and USD cash balances, meaning you can earn a return on your cash without locking up liquidity.
Rated 'AAAf' by S&P*
Allows you to diversify your monies to a counterparty bank
Same day access to monies**
Deposit monies for longer periods
BFA
Bespoke Fiduciary Account
Receive a return on larger deposits by placing them with a highly-rated counterparty bank. Terms start at one month.
Hold deposits over £1m, $1m or €1m
Access several banks through a single relationship
Reduces the admin of managing multiple bank accounts
CTD
Capital Term Deposit
Earn competitive rates of interest on monies you do not need instant access to.
Held with Capital International Bank
For deposits over £250,000 or currency equivalent
Available in GBP, USD & EUR
Diversify monies across multiple banks
EFA
Excess Fiduciary Account
Use the EFA to diversify your monies across at least one other highly-rated counterparty bank. The EFA currently pays competitive rates of interest on GBP, EUR and USD cash balances, meaning you can earn a return on your cash without locking up liquidity.
Rated 'AAAf' by S&P*
Allows you to diversify your monies to a counterparty bank
Same day access to monies**
BFA
Bespoke Fiduciary Account
Receive a return on larger deposits by placing them with an approved counterparty bank. We only work with banks that meet our strict counterparty criteria.
Hold deposits over £1m, $1m or €1m
Access several banks through a single relationship
Reduces the admin of managing multiple bank accounts
*Rating applies to GBP, EUR & USD accounts only. Whilst a fund credit quality rating methodology has been used by S&P Global Ratings, the Excess Fiduciary Account is not itself a fund, but rather a pooled account supporting the financial products known as fiduciary deposits. **Cut off times apply - Click for more information. For eGaming clients, the Excess Fiduciary Account is not available in USD.
Who do we serve?
Corporates
With clients ranging from multi-national corporations to growing businesses, our bank has been engineered to deliver unparalleled convenience and control, enabling you to streamline your banking experience and focus on driving your business forward.
High net worth individuals
As a Restricted Depositor, you are required to certify that you meet the following status criteria “I certify that I have a minimum of £500,000 net worth, excluding:
a) my home or any money raised through a loan secured on that property; and
b) any rights of mine under a contract of insurance; and
c) any benefits (in the form of pensions or otherwise) which are payable on the termination of my service or on my death or retirement and to which I, or my dependants, are or may be entitled."
a) my home or any money raised through a loan secured on that property; and
b) any rights of mine under a contract of insurance; and
c) any benefits (in the form of pensions or otherwise) which are payable on the termination of my service or on my death or retirement and to which I, or my dependants, are or may be entitled."
We serve individual clients with £500k+ in liquid assets and offer an ideal point of diversification in a portfolio of banking providers. Our proposition offers qualifying individuals access to counterparty banks without having to invest or lend significant sums.
Trusts
As a Restricted Depositor, where a Trustee is an individual, they will need to certify that the assets of the trust are valued at a minimum of £500,000, excluding real property that is any person’s principal place of residence.
Whether you’re a trustee, a legal firm or an individual responsible for the management of a trust, our solution provides a secure and efficient platform to manage trust monies, complemented by a team that understands your fiduciary responsibilities.
Why choose Capital International Bank?
Part of an international finance group with 28 years in business
Capital International Bank is part of Capital International, a financial services group that has been providing solutions to clients across the globe since 1996.
Group employees
240+
Group AUA
US$5bn+
Time in business
28 years
Bank deposits
£450m+
A lower risk banking option
Unlike other banks, we do not have a lending book or invest in long term securities / complex financial instruments in order to seek a return on client deposits. The monies clients place with us are held with highly rated counterparty banks and financial institutions.
Whilst our fees may be slightly higher than high-street banks, Capital International Bank is a lower risk option as we do not lend money placed with us.
Whilst our fees may be slightly higher than high-street banks, Capital International Bank is a lower risk option as we do not lend money placed with us.
Reliable service from our team in the Isle of Man
For corporates, time is money and that’s why we prioritise responding quickly to clients. Speak to a real human when you need them either by phone or secure message.
AI Chatbots
Phone Queues
Call centres
Real People
Secure instant messaging
Account-level support
Making money work better for our clients, our people & our communities
We partner with several organisations to support our communities and the environment. As the Isle of Man itself is the world’s only entire nation biosphere, we feel a great sense of duty to do what we can to preserve our natural surroundings.
Why choose Capital International Bank?
Upload your details and documents
Gain access to our digital application portal where you will provide further details and upload documentation. You’ll be able to save progress on your application and easilly pinpoint exactly what is missing at any point.
Part of an international finance group with 28 years in business
Capital International Bank is part of Capital International, a financial services group that has been providing solutions to clients across the globe since 1996.
Group employees
240+
Group AUA
US$5bn+
Time in business
28 years
Bank deposits
£450m+
A lower risk banking option
Unlike other banks, we do not have a lending book or invest in long term securities / complex financial instruments in order to seek a return on client deposits. The monies clients place with us are held with highly rated counter-party banks and financial institutions.
Whilst our fees may be slightly higher than high-street banks, Capital International Bank is a lower risk option as we do not lend money placed with us.
Whilst our fees may be slightly higher than high-street banks, Capital International Bank is a lower risk option as we do not lend money placed with us.
Reliable service from our team in the Isle of Man
For corporates, time is money and that’s why we prioritise responding quickly to clients. Speak to a real human when you need them either by phone or secure message.
Phone Queues
Call centres
AI Chatbots
Real People
Secure instant messaging
Account-level support
Our fiduciary solution
Making money work better for our clients, our people & our communities
We partner with several organisations to support our communities and the environment. As the Isle of Man itself is a the world’s only entire nation biosphere, we feel a great sense of duty to do what we can to preserve our natural surroundings.
Led by an experienced team
Paul Smith
Head of Banking Operations
Andrew Lodge
Non-executive Director
Charlie Woolnough
Non-executive Director
Check your eligibility today
Speak to our team to find out if you are eligible to bank with us and to discover the likely costs and timescales to open an account.
Less admin, more action
Minimise your workload with a powerful set of tools that give you control over your accounts.
Multiple account types to suit your needs
Efficient decision-making
100% digital onboarding - no paper
Payments and FX in multiple currencies including all G10
Get real-time human support - don't spend hours in call queues
Fiduciary fixed term deposits available for eligible clients
Transparent pricing - no hidden fees
A modern, cloud based banking platform
Efficient account opening
Online, self-service mandates and authorisations to control permissions
Advanced reporting tools facilitate in-depth analysis
Fiduciary accounts for balances in excess of £500K (or equivalent) in a number of major currencies
