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Antigua & Barbuda Banking License

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Antigua & Barbuda Banking License: FSRC Authorisation for Offshore and Domestic Financial Institutions

The Financial Services Regulatory Commission (FSRC) of Antigua and Barbuda regulates banking under the Financial Institutions Act and the International Business Corporations Act. Antigua and Barbuda is an independent Commonwealth nation in the Eastern Caribbean, well established as a financial services jurisdiction known for its offshore banking sector, online gaming regulation, and one of the Caribbean's most recognised Citizenship by Investment Programmes. The FSRC licenses both domestic banks and international offshore banking institutions under separate regulatory frameworks.

The international banking licence is available to foreign-owned entities conducting banking operations exclusively with non-resident clients and assets held outside Antigua and Barbuda. This structure is widely used by international private banking groups and corporate treasury vehicles seeking a Caribbean offshore platform with a recognised regulatory authority.

Minimum Capital

USD 3 million minimum paid-up capital for an international banking licence. The FSRC assesses capital adequacy on a case-by-case basis depending on the proposed activities and risk profile.

Directors

At least two directors with appropriate banking or financial services experience are required. The FSRC assesses all directors and senior managers for competence and integrity under its fit and proper framework.

Registered Office

A registered office in Antigua and Barbuda is required. Physical or managed office arrangements are acceptable for offshore banking licence holders.

AML/CFT Programme

A comprehensive AML/CFT programme compliant with Antigua and Barbuda's Money Laundering (Prevention) Act and CFATF standards is required. Annual audited accounts and FSRC prudential returns must be submitted.

Tax Position

Antigua and Barbuda has no capital gains tax, no inheritance tax, and no personal income tax. International banks are generally exempt from local income tax on all offshore income earned outside the jurisdiction.

Neptune Fiduciaries: Antigua & Barbuda Banking Licence Support

Neptune Fiduciaries advises on Antigua and Barbuda international bank licence applications including FSRC pre-application engagement, business plan preparation, director vetting, and ongoing AML/CFT compliance.

Get in Touch

Contact Neptune Fiduciaries at info@neptunecorporate.com or sales@neptunecorporate.com or visit our Contact Us page.

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