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Jurisdictions
Citizenship & Residency
São Tomé & Príncipe$90,000
Vanuatu$130,000
Grenada$235,000
St Kitts & Nevis$250,000
Turkey$400,000
UAE Golden Visa$545,000Corporate Banking Introductions · 30+ Jurisdictions
Corporate Bank Accounts for High-Risk & Non-Resident Companies
When banks say no, we get you in front of the ones that say yes. Sovera introduces hard-to-bank companies — crypto and Web3, forex and CFD, iGaming, payments and MSB, e-commerce, non-resident founders and offshore structures — to vetted tier-1 banks and licensed EMIs. We are an introduction and facilitation service, not a bank: every account is opened at the bank’s sole discretion, subject to its own KYC, AML and CDD.
Sovera arranges corporate bank and EMI account introductions for legitimate businesses that mainstream banks treat as high-risk, and for non-resident or foreign-owned companies. We match your structure to banking partners likely to accept it, prepare your file to their standard, and introduce you directly. Engagements start from $1,950. We do not guarantee approval — no honest introducer can — but we only take mandates we believe are bankable.
- From$1,950
- Banking partners20+
- Jurisdictions30+
- Non-residentWelcome
- Account typesBank · EMI · Multi-currency
Who we help
Built for the companies banks find “difficult”
If you have been turned down, off-boarded, or told to “try a smaller bank,” you are exactly who this service exists for. Being high-risk is not the same as being illegitimate — it usually just means your industry, ownership, or geography sits outside a bank’s default risk appetite. We work with that, not against it.
Crypto & Web3 companies
Exchanges, token projects, OTC desks, custody and Web3 SaaS that need a banking or EMI rail that understands digital-asset flows and source-of-funds expectations.
Forex, CFD & prop firms
Brokerages, introducing brokers and proprietary trading firms needing multi-currency settlement and client-money segregation accounts.
iGaming & gaming
Licensed operators, affiliates and platform providers requiring banking partners comfortable with regulated gaming revenue.
MSB, payments & fintech
Money-service businesses, PSPs, EMIs and payment startups that need correspondent and operating accounts to function.
E-commerce & dropshipping
High-volume online sellers and marketplaces flagged for chargeback exposure or cross-border revenue patterns.
Non-resident & foreign-owned
Founders opening a company account in a country where they neither live nor hold residency — the most common reason for a flat “no.”
Offshore & holding structures
IBCs, holding companies and SPVs in zero-tax or low-substance jurisdictions that need a real operating account.
De-banked businesses
Companies whose existing bank has given notice or frozen the account, now racing to re-bank before operations stall.
The de-risking problem
Why good businesses get refused — and de-banked
Most rejections have nothing to do with whether your business is honest. They are the downstream effect of de-risking: banks shedding entire categories of customer because the cost and regulatory exposure of serving them outweighs the revenue. Understanding the real reason behind a “no” is the first step to turning it into a “yes.”
Industry risk rating
Crypto, forex, gaming and MSB are coded high-risk in a bank’s internal policy, so the file is declined before anyone reads it.
No local presence
Non-resident directors and zero local substance trigger correspondent-banking and tax-transparency concerns.
Unclear source of funds
If the origin of capital and the flow of revenue cannot be evidenced cleanly, KYC stalls and the application dies quietly.
Complex ownership
Nominee layers, multi-jurisdiction holding chains and unclear beneficial owners raise CDD cost beyond a bank’s threshold.
Thin or wrong documentation
A file that does not pre-answer the bank’s questions reads as a risk, regardless of how solid the underlying business is.
Portfolio off-boarding
A bank exits a whole segment for reasons unrelated to you, and your perfectly-run account is closed with 60 days’ notice.
The honest version: we cannot make a bank accept a file it should not accept — and we would not try. What we do is identify partners whose risk appetite actually fits your profile, then present a file built to their standard so the decision is made on the merits, not on a reflex.
New to the basics? Our guide on opening a corporate bank account for an international company covers the fundamentals; this page is for when the standard route has already failed.
Banking solutions
Traditional banks, EMIs & multi-currency — the right rail for your risk
There is rarely one perfect account. The realistic answer for a high-risk or non-resident company is usually a combination: an EMI to start moving money quickly, a traditional bank for credibility and correspondent reach, and a multi-currency layer for settlement. Here is how the options compare.
| Traditional bank | Licensed EMI | Multi-currency / neo | |
|---|---|---|---|
| Best for | Credibility, lending, correspondent reach | Fast onboarding, high-risk tolerance | FX, settlement, day-to-day operations |
| High-risk appetite | Low–moderate | Moderate–high | Varies |
| Non-resident friendly | Case-by-case | Often yes | Often yes |
| Typical onboarding | 3–10 weeks | 1–4 weeks | Days–weeks |
| SWIFT / SEPA | Full | SEPA + SWIFT (varies) | SEPA + SWIFT (varies) |
| Card issuing | Yes | Often | Often |
| Deposit protection | Scheme-backed | Safeguarded, not insured | Safeguarded, not insured |
EMI balances are typically safeguarded (held in segregated accounts at a partner bank) rather than covered by a deposit-insurance scheme. We explain the practical difference for your situation during the engagement.
Industries we bank
Nine verticals, each with its own banking playbook
Every high-risk vertical fails for different reasons and succeeds with different partners. We route each to the banks and EMIs that actually underwrite it — and tell you honestly where the bar is.
Crypto & Web3
Exchanges, custody, OTC, token treasuries. Banking depends on licensing, travel-rule readiness and clean source-of-funds. Route to licensed crypto structures where needed.
Forex & CFD brokers
Client-money segregation and PSP settlement accounts. See our guide to launching a prop / trading firm.
iGaming & betting
Licence-led. We match operators to partners comfortable with regulated gaming flows and player-fund safeguarding.
MSB & payments
PSPs, money remitters and EMIs needing correspondent and operating accounts to clear.
E-commerce & marketplaces
Chargeback-aware acquiring plus multi-currency settlement for cross-border sellers.
Consulting & professional services
Non-resident consultants invoicing globally who need a credible, multi-currency operating account.
Holding companies
SPVs and group holdcos needing treasury and dividend-flow accounts with clean inter-company evidence.
Shipping & trade
Trading and logistics companies with high-value, cross-border SWIFT flows and trade-finance needs.
Family offices & investment
Investment holding and private-wealth vehicles requiring discreet, compliant multi-jurisdiction banking.
Jurisdictions & banking partners
Where we open accounts
Our partner network spans tier-1 banking hubs and licensed EMIs across the Gulf, Asia, Europe and the offshore world. We name categories, not brands — we never imply endorsement by any specific institution, and the right hub depends entirely on your structure and flows.
United Arab Emirates
Mainland and free-zone company accounts with local and international banks. Our dedicated UAE company bank account service handles the substance-led local route in depth.
Singapore
Asia’s premier hub for credible multi-currency banking. Pairs naturally with a Singapore company.
Hong Kong
Gateway to Greater China trade flows; strong for HK-incorporated trading and holding companies.
Mauritius & offshore
Operating accounts for Mauritius and other offshore structures where substance can be evidenced.
EU & licensed EMIs
Lithuania, Cyprus and wider-EU EMIs for fast SEPA-first onboarding. Works well with a Cyprus company.
No company yet? Start with company formation — the structure and jurisdiction you choose directly shapes which banks will say yes.
How our introduction works
From rejected to introduced — in five steps
This is an advisory and introduction process, not a black box. You always know which partners we are approaching and why.
- 1
Banking-fit assessment
We review your industry, structure, residency, expected volumes and source of funds, and tell you honestly how bankable you are and where.
- 2
Partner shortlist
We match you to the banks and EMIs whose risk appetite fits — usually two to four realistic options, with the trade-offs of each.
- 3
File preparation
We build your application to each partner’s standard: corporate documents, business description, source-of-funds narrative, flow-of-funds and substance evidence.
- 4
Direct introduction
We introduce you to the right contact and support you through the bank’s own KYC, CDD and onboarding interview.
- 5
Account opened — or the next option
If a partner declines, we move to the next on the shortlist. The decision is always the bank’s; our job is to give it the best possible file.
Documents & KYC readiness
What a bank-ready file looks like
Approval is won or lost on the file. Banks decline incomplete applications by default, so we prepare yours to pre-empt their questions. Most mandates need some version of the following — we tell you exactly which during the assessment.
Corporate documents
Certificate of incorporation, memorandum & articles, register of directors and shareholders, good-standing certificate where relevant.
Beneficial-owner KYC
Passport, proof of address and CV for each beneficial owner and director, plus the full ownership chart down to natural persons.
Business description
A clear account of what the company does, its customers, suppliers and geographies — written the way a compliance officer needs to read it.
Source of funds & wealth
Evidence of where the company’s capital and the owners’ wealth originate — the single most common point of failure.
Flow of funds
Expected monthly volume, main counterparties, and inbound/outbound currencies and corridors.
Licences & substance
Any regulatory licence (crypto, gaming, payments) and evidence of substance: office, staff, contracts, website.
Honest expectations
What we can promise — and what we can’t
No legitimate introducer can guarantee a bank account, and anyone who does is misleading you. Here is the honest picture, because setting it straight up front is part of why our introductions succeed.
What we control
- Matching you only to partners whose risk appetite genuinely fits your profile.
- Building a file to each bank’s standard so it is judged on the merits.
- Direct introductions to the right people, not a generic application form.
- Honest, up-front feedback if we believe you are not yet bankable — and what to fix.
What the bank controls
- The final decision — always at the bank’s sole discretion.
- Its own KYC, AML and CDD checks, which we cannot shortcut or influence.
- Onboarding timelines, document requests and any account conditions.
- Whether your source of funds and substance meet its threshold.
What raises your odds most: demonstrable substance, clean and evidenced source of funds, a coherent business story, and realistic jurisdiction choice. We work on all four before any introduction is made.
Engagement & pricing
Transparent, fixed introduction fees
You pay for the introduction work — assessment, file preparation and direct access to partners — not for a guaranteed outcome. Fees are fixed and agreed before we start. Bank charges, if any, are separate and paid to the institution.
Standard Introduction
from$1,950
Non-resident & foreign-owned companies in mainstream industries.
- Banking-fit assessment
- 2–3 partner shortlist
- Full file preparation
- One direct introduction track
High-Risk / Crypto Placement
from$3,500
Crypto, forex, gaming, MSB and payments companies.
- Everything in Standard
- High-risk partner network
- Source-of-funds & substance narrative
- Up to two sequential introductions
Multi-bank / EMI Package
from$5,000
Companies needing redundancy across a bank plus EMIs.
- Everything in High-Risk
- Bank + multiple EMI introductions
- Multi-currency settlement setup
- Priority handling & re-banking support
No upfront payment is taken through this page. We agree scope and fee on a call first — consultative by design, because a $3–5K decision deserves a conversation, not a checkout button.
Banking-fit assessment
Check your banking fit in 60 seconds
Answer five quick questions and we’ll show you, honestly, how bankable your company looks and how many partners fit your profile. No obligation — just a realistic read.
Strong fit
We work with multiple banking partners for companies like yours. Enter your details to see your tailored read.
Thank you — your details are in.
A Sovera banking specialist will review your profile and come back to you, usually within one business day, with a realistic shortlist of partners and next steps.
Add more contextCompare your options
DIY applications vs. a Sovera introduction
| Applying yourself | Generic “agent” | Sovera introduction | |
|---|---|---|---|
| Knows which banks fit high-risk | Trial and error | Limited | Mapped to your profile |
| File built to bank standard | Usually not | Templated | Tailored per partner |
| Direct contact at the bank | Rare | Sometimes | Yes |
| Honest pre-assessment | None | Optimistic | Candid, up front |
| Fallback if declined | Start over | Few | Sequential shortlist |
| Guarantees approval | No | Some falsely claim to | No — and says so |
FAQ
Corporate banking for high-risk & non-resident companies
Can you guarantee my company will get a bank account?
No, and you should distrust anyone who does. We are an introduction and facilitation service, not a bank. Every account is approved at the bank’s sole discretion, subject to its own KYC, AML and CDD. What we guarantee is honest assessment, a file built to the bank’s standard, and a direct introduction to partners that fit your profile.
What does “high-risk” actually mean here?
It refers to legitimate businesses in industries that banks classify as high-risk — crypto, forex, gaming, payments, MSB and similar — usually because of regulatory complexity, not wrongdoing. We do not work with illicit activity, sanctions evasion, or anything designed to defeat AML controls.
I’m a non-resident with no local presence. Can you still help?
Yes — non-resident and foreign-owned companies are one of our core specialisms. Lack of local residency is the most common reason for a flat refusal, so we focus on partners that bank non-residents and on evidencing enough substance to satisfy them.
My bank gave notice / closed my account. Can you re-bank me quickly?
Yes. De-banking is time-critical, so re-banking mandates are prioritised — usually starting with a licensed EMI for speed while a traditional bank is arranged in parallel.
How much does it cost?
Introduction engagements start from $1,950 for standard non-resident mandates, from $3,500 for high-risk and crypto placements, and from $5,000 for multi-bank / EMI packages. Fees are fixed and agreed before we start. Any bank charges are separate.
Do you open the account or just introduce me?
We assess, prepare your file, and introduce you directly to the right contact — then support you through the bank’s onboarding. The account is opened by the bank, in your company’s name; we are never a signatory.
What’s the difference between a bank and an EMI?
A traditional bank offers full services and scheme-backed deposit protection. A licensed electronic money institution (EMI) onboards faster and often has more appetite for high-risk clients, but balances are safeguarded rather than insured. Many of our clients use both.
Will I get a real IBAN with SWIFT and SEPA?
Usually yes — most partners provide a dedicated IBAN with SEPA and, depending on the institution, SWIFT. Exact rails depend on the partner and your jurisdiction; we confirm before introducing you.
How long does it take?
EMIs can onboard in one to four weeks; traditional banks typically take three to ten weeks. The biggest variable is how complete your documentation and source-of-funds evidence are at the start.
Which jurisdictions do you cover?
Our network spans the UAE, Singapore, Hong Kong, Mauritius and other offshore centres, plus EU-licensed EMIs in Lithuania, Cyprus and beyond — 30+ jurisdictions in total. The right hub depends on your structure and flows.
Can you bank a crypto company?
Yes, subject to the usual factors: licensing where required, travel-rule readiness, and clean, evidenced source of funds. Where you also need a licence, we can route you to licensed crypto structures first.
What documents will I need?
Typically corporate documents, beneficial-owner KYC, a clear business description, source-of-funds and flow-of-funds evidence, and any licences or proof of substance. We give you a precise checklist after the fit assessment.
Do you show which banks you work with?
We describe partner categories — tier-1 banks, licensed EMIs, multi-currency providers — rather than naming institutions or displaying their logos. That protects the relationships and avoids implying any endorsement.
Why was I rejected when my business is completely legitimate?
Almost always because of de-risking — banks declining whole categories of customer to reduce regulatory exposure — rather than anything specific to you. The fix is matching you to a bank whose risk appetite fits and presenting the file properly.
What if every partner declines?
We work through a shortlist sequentially, so one decline is not the end. If your profile genuinely is not bankable yet, we tell you honestly and set out what to change — substance, structure or documentation — before trying again.
Client outcomes
What founders say after we’ve banked them
Anonymised at clients’ request, as is standard for sensitive banking matters.
“Three banks had already turned us down before we found Sovera. They were blunt about our chances, fixed our source-of-funds file, and introduced us to an EMI that approved us in under two weeks.”
“Our bank off-boarded the whole payments segment with 60 days’ notice. Sovera re-banked us across two EMIs before the deadline. That kept us trading.”
“What I valued was the honesty. They told me one jurisdiction wouldn’t work for a non-resident like me and steered me to one that would. The introduction did the rest.”
Talk to a specialist
Tell us about your company — get a realistic read
Share a little about your business and what you need. A Sovera banking specialist will reply, usually within one business day, with an honest view of your options. No obligation.
- Honest assessment before any fee
- Partner shortlist mapped to your profile
- Introductions, not guarantees
Questions we are asked most.
Banking outcomes turn on the passport as much as the structure. Before you choose, read our citizenship by investment overview, and note that we say plainly which programmes make account opening harder rather than easier.