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Open an Account in Liechtenstein

Opening a Bank Account in Liechtenstein

Liechtenstein is a country with a high level of confidentiality in the financial sector. Local banking services are relatively expensive, and there are requirements for maintaining minimum balances on current accounts or deposits.


Steps

01

Selecting a Bank in Liechtenstein

First, you need to choose the desired bank. Consider the bank’s reliability, fees, and client segment preferences. It is recommended to submit applications to multiple banks to increase the likelihood of account approval.

02

Document Preparation

You must prepare the company’s incorporation documents, considering issuance and notarization requirements, personal documents of company participants, and complete bank forms. Proper form completion and accurate presentation of information are essential.

03

Application Submission

After preparing all documents, they must be submitted to the bank. During review, the bank may send additional questions and requests for documents. It is important to respond accurately and on time. Application review may incur a fee, which must be paid when submitting the application.

04

Verification

Banks usually require a visit to their office for verification of company representatives.

05

Receiving Access and Account Details

Once the account is successfully opened, the bank assigns the company details and provides access credentials. Full account activation may require a prompt minimum deposit, from which an account opening fee (if applicable) may be deducted.

Bank Accounts in Liechtenstein: Benefits

The prospect of opening accounts in Liechtenstein banks is attractive to many businesspeople. Practice shows that the country’s institutions offer a wide range of services for their clients. Additionally:

  • They have extensive experience working with legal entities and high-net-worth private clients.
  • Bank employees are strictly required to maintain client confidentiality — disclosure is a criminal offense.

There is also the concept of “professional secrecy,” meaning banking staff cannot be used as witnesses in court proceedings.

How to Open an Account in Liechtenstein

Typically, opening a bank account in Liechtenstein is done under the following conditions:

  • Account opening timeline: varies by bank, usually at least 1 month.
  • Need for a personal visit: more financial institutions allow remote account opening.
  • Minimum account balance: varies by bank, usually no less than 5,000 units of the account currency.

Different documents may be required to open an account in Liechtenstein. Only the chosen bank can provide a full and accurate list. Commonly requested documents include:

  • Passport. Notarized copy of shareholders and directors.
  • Proof of residence of shareholders and directors.
  • Company incorporation documents.
  • Contracts with partners.

To understand the conditions for a non-resident to open an account in Liechtenstein, here are examples from major local banks:

Bank Name Account Opening Timeline Account Opening Fee Personal Visit Required Minimum Balance Requirement
Bendura Bank 3–4 weeks from €600 Yes €300,000
Union Bank from 30 days No restrictions No restrictions CHF 25,000
Valartis Bank from 30 days No fee, but 3 months are allowed to reach minimum balance No €1,000,000
Bank Frick AG from 3–4 weeks No restrictions No Determined individually
Alpinum Bank 2–3 weeks from €800 Yes CHF 5,000
Landesbank AG 3–4 weeks from €500 Yes €500,000

Therefore, when planning to open a bank account in Liechtenstein, the choice of bank should be based on:

  • Institution experience and reputation;
  • Need for a personal visit;
  • Minimum balance requirement;
  • Minimum account term;
  • Account management conditions — online banking availability, loyalty programs, etc.

There are many nuances, so cooperation with local institutions requires experience and sufficient knowledge of the banking sector.

Can an Account be Opened Quickly in Liechtenstein Banks?

If you need an account in a Liechtenstein bank, Incluence Limited is ready to assist. Our team consists of specialists familiar with the principality’s financial market and with extensive experience. We can discuss your project and organize account opening at a convenient time.

Free initial consultation on legal issues, related to the daily activities of the business

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Frequently Asked Questions:

We select banks based on the company’s registration country, the residency of beneficiaries and directors, planned turnovers, required currencies, and payment regions. The bank’s reputation and fees are also considered. To choose the most suitable option for your company, please contact our specialists.
To open an account in Liechtenstein banks, you need to complete and submit KYC and AML forms, company incorporation documents, and personal documents of directors and beneficiaries. The bank may also request partner contracts and other information. Key persons must undergo verification for successful account opening.
The final cost of opening an account in Liechtenstein banks depends on various factors. You can find out the exact cost by contacting our specialists.
An account in Liechtenstein banks can be opened with the personal presence of a company representative.

Contact
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+85281926676

info@incluence.net

Rm 7B, One Capital Place, 18 Luard Road, Wan Chai, Hong Kong

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