Curaçao bank account guide 2026

Curaçao company bank account: how a licensed operator really moves money

Updated 13 November 2026LOK, CGA statements and bank tariffs, 2026About 10 minutes to read
The short answer

If your Curaçao B.V. runs online gaming, don't plan on a Curaçao bank: the Gaming Authority itself said in August 2026 that local banks won't serve online gaming companies. Operators use payment firms and specialist acquirers abroad, and since June 2026, screened crypto.

A non-gaming B.V. owned from abroad can bank locally. Expect a branch appointment, a certified passport and XCG 10 to 26.50 a month at the banks that publish a non-resident fee.

Online gambling at Visa Tier 1 the card scheme's highest risk tier, and why acquirers need Visa's approval to take you on Card-absent gambling, merchant code 7995, sits in Visa's top integrity risk tier. Banks read the same signal.

Most people forming a Curaçao B.V. want one thing from it: a gaming licence from the Curaçao Gaming Authority. The licence is the visible part. The money is the hard part, because the island's own banks have stepped back from online gaming. That isn't a dead end. It means the bank account is the last thing you plan, and the payment stack is the first.

Key takeaways

  • The CGA said in August 2026 that local banks are unwilling to serve online gaming companies.
  • The gaming law doesn't require a Curaçao bank account; it regulates player money instead.
  • Operators run on card acquirers, payment institutions abroad and, since June 2026, screened crypto.
  • A non-gaming B.V. can bank locally: XCG 10 to 26.50 a month for non-residents at banks that publish it.
  • A 1% Central Bank fee applies to money sent from resident to non-resident accounts.
  • Deposits are guaranteed to Cg 50,000, companies included, since July 2025.
Chapter 1

Two Curaçao B.V.s, two banking stories

The same legal form, a Curaçao B.V., leads to two very different conversations with a bank. Pick yours.

You live in: pick it

Online gamingPlan the stack, not the bank
  • Local banks decline, by the regulator's own account
  • Card acquiring through specialist high risk acquirers
  • Operating and payout accounts with payment institutions abroad
  • Crypto deposits and withdrawals, wallets screened
Any other businessA local account is realistic
  • Orco, MCB, RBC and Vidanova price non-resident accounts
  • An appointment at the bank, or through a local trust office
  • Accounts in XCG, US dollars and euros
  • 1% Central Bank fee on payments to non-residents

Not running a gaming business at all? A Curaçao company taxes profit at 15%, so another jurisdiction usually suits better; our BVI company is the common alternative.

1
Key takeaway

Gaming decides everything: payment firms abroad for operators, a local bank for the rest.

Chapter 2

Why Curaçao banks turn down online gaming

A Curaçao bank pays in dollars and euros through correspondent banks in the United States and Europe. Those banks decide whom their clients may serve, and online gaming sits near the top of their risk lists. Losing a correspondent would cut a small island bank off from the world, so the island's banks don't take the chance.

Banks close accounts of lottery offices; a court upholds one bank's closure, and the banking association points to its foreign bank relationships.

Visa's integrity risk programme, in its April 2023 edition, puts card-absent gambling, code 7995, in Tier 1: acquirers need Visa's separate approval to serve it.

The national AML strategy names online gaming as high risk and records years of bank de-risking.

The finance minister picks one local bank to give lottery businesses accounts. Online gaming is not part of it.

The Gaming Authority says local banks are unwilling to serve online gaming companies, citing high risk and US correspondent banks, and collects its own licence fees through a licensed payment institution in the Czech Republic.

When even the regulator banks its fees abroad, an operator's plan should too. The good news: nothing in the gaming law ties you to an island bank.

2
Key takeaway

It's the correspondent banks' risk rules, not your file. Build the money side abroad.

Chapter 3

The payment stack of a Curaçao-licensed operator

Every operator's set-up differs, but the layers are the same. Click a layer to see what it does and what it asks of you.

Side laneCrypto railsSince June 2026 the Authority lets licensees take crypto as a payment method, with every wallet screened, no mixers, and player funds kept in segregated wallets, by trade press reports of its policy. Full compliance is due by June 2027.

Which payment firms accept Curaçao licensees changes often and depends on your markets and volumes. We don't publish a list; we match providers to your licence and player countries when we set the company up.

3
Key takeaway

Acquirer, operating account, treasury, and a crypto lane beside them: plan all four.

Chapter 4

Player money: what the gaming law asks instead of a bank

The 2024 gaming law, the LOK, never says "bank account". It cares about whether players get their money back. Four articles carry that weight.

Art. 5.8Segregating player balancesThe Authority may set licence conditions on keeping player balances apart, reserving them, or insuring them.
Art. 5.7A guarantee fundOperators serving players join a fund that insures payout of player balances, paying a yearly premium.
Art. 2.2(2)(g)Liquid meansA licence needs proof the operator can pay expected prizes at once.
Art. 2.4Misuse costs the licenceImproper use of player balances, winnings included, is a ground for revocation.
In practice

Keep player money in accounts or wallets that hold nothing else, reconcile them daily, and be able to show the Authority both at any time. The crypto policy already asks for separate player, operational and treasury wallets; mirror that structure in your fiat accounts.

4
Key takeaway

The law watches player money, wherever it sits. Keep it separate and provable.

Chapter 5

For a non-gaming B.V.: what Curaçao banks charge

Cg

Since 31 March 2025 Curaçao's banks price in the Caribbean guilder (XCG, written Cg), which replaced the Antillean guilder at par and is pegged at about 1.79 to the US dollar. Four banks publish what a non-resident business account costs each month:

BankNon-resident business accountAlso note
Orco BankXCG or USD 10.00 a month, EUR 10.00Outgoing same day transfer 0.15%, minimum XCG 75 (fee schedule)
Maduro & Curiel's BankXCG 15.00, USD 10.00, EUR 30.00 a monthCharged whatever the balance (MCB fees)
Vidanova Bank15.90 a month in USD, EUR or XCGXCG 795 to request a business account, not refunded (accounts page)
RBC Royal BankXCG or USD 26.50 a month for offshore clientsIncoming international wires free

The cost that surprises people is not on these lists. Since 1 May 2024 banks apply a 1% Central Bank foreign exchange licence fee to transfers from resident to non-resident accounts and to foreign currency purchases, as MCB explains. Type what you'd send out a year:

XCG 1,000about US$559 in licence fee, before the bank's own transfer charges

No bank page we read sets a minimum balance for a business account.

5
Key takeaway

Monthly fees are small; the 1% fee on money leaving is the number to plan around.

Chapter 6

What a Curaçao bank asks a B.V. owned from abroad for

Orco Bank prints the clearest list, on its business account page, and starts only when every document is in.

The company

  • Articles of association signed and stamped by the notary
  • Chamber of Commerce extract under two months old
  • Shareholders' register signed by the director
  • Ownership chart if more than two layers

Each owner, director, signatory

  • Valid ID
  • Proof of address under two months old

Extra, for non-residents

  • Original passport, or a copy certified by a notary, lawyer or regulated professional
  • Tax ID on the CRS and FATCA self-certification
  • A bank statement under one month old for every person and company

Vidanova Bank takes a different route: a non-resident company's account "should be opened by a local Trust Office", which brings its own Chamber extract, register and licence, plus a utility bill for each non-resident person. We handle that route with you through our office in Curaçao.

6
Key takeaway

A certified passport, a fresh bank statement and a CRS form: the three things non-residents add.

Chapter 7

Opening from abroad: appointments and the 2026 remote ID rules

No Curaçao bank page describes a fully remote opening. Orco asks you to e-mail for an appointment with a business representative; MCB asks you to schedule one with its corporate department. That is where a local director and office earn their keep: they hold the appointment, and you send certified documents.

The rules for identifying people without meeting them changed in 2026. The Gaming Authority, the Central Bank and the Financial Intelligence Unit issued joint provisions for identification and verification without physical contact, in force from 21 August 2026 and not limited to gaming, by trade press accounts. They expect liveness checks and image or video capture, and give existing remote systems until 1 May 2027 to comply. Whether a bank uses them for new company clients is its own choice.

7
Key takeaway

Expect an appointment; a local director makes it without you flying in.

Chapter 8

The deposit guarantee, and who is told about the account

Cg 50,000per depositor, per bank

Curaçao has had a deposit guarantee since 1 July 2025, run by the Central Bank. It covers individuals and firms, residents and non-residents, in any currency, up to Cg 50,000 per bank, about US$27,930. Repayment comes within 20 working days of an application.

Banks in the scheme:

  • APC Bank
  • Banco di Caribe
  • Maduro & Curiel's Bank
  • Orco Bank
  • Vidanova Bank
  • RBC Royal Bank

The guarantee stops at the island's banks. Money with a payment institution abroad sits under that country's safeguarding rules instead, which protect client money in a different way from deposit insurance. Ask each provider how it safeguards your funds.

Reporting

Curaçao's FATCA agreement with the United States has been in force since August 2016, and it exchanges CRS data since 2018, with fines up to XCG 250,000 for banks that fail to report. A Curaçao account of a B.V. you control is reported to your home tax office if your country exchanges data with Curaçao.

8
Key takeaway

Cg 50,000 covers the company at a local bank; payment firms abroad protect money differently.

Chapter 9

Your Curaçao company, with the money side planned

We form the B.V. with a Curaçao notary on your power of attorney, provide the resident director the gaming licence needs, and keep the registered office. For gaming operators, we open accounts with payment firms outside Curaçao with you; for other companies, we prepare the file for a local bank and our director holds the appointment. Either way, it almost always goes through.

US$6,490year one, resident director and office included. Then US$4,890 a year. Paid in crypto.
Inside the price
  • Notary deed, Chamber entry, owner register filing
  • Resident director and registered office
  • Bank or payment accounts set up with you
Quoted first or paid at cost
  • Licence application work and licence fees
  • Books, tax return and local hires
  • Each payment firm's own fees

The licence, the company and the payment set-up are planned together, so the first player deposit has somewhere to land.

9
Key takeaway

Director, office and payment accounts in one plan, from one team.

Chapter 10

Curaçao company bank account questions

?
Can a Curaçao gaming company open a local bank account?
Rarely, today. The Curaçao Gaming Authority said in August 2026 that local banks are unwilling to provide banking services to online gaming companies, citing high risk and US correspondent banks. Operators use payment institutions and acquirers abroad instead.
Does the gaming law require a Curaçao bank account?
No. The LOK lets the Authority set conditions on segregating, reserving or insuring player balances, requires a player funds guarantee fund and proof of liquid means, but contains no duty to bank on the island.
Can a Curaçao operator accept crypto?
Yes, as a payment method, since June 2026, with every wallet screened, no mixers and player funds in segregated wallets, by reports of the Authority's policy.
How much does a Curaçao business account cost a non-resident?
From the banks' own tariffs: Orco XCG or USD 10 a month, MCB XCG 15 or USD 10, Vidanova 15.90 plus XCG 795 to request the account, RBC XCG or USD 26.50 for offshore clients. A 1% Central Bank fee applies to transfers from resident to non-resident accounts.
Are deposits in Curaçao banks guaranteed?
Yes, since 1 July 2025: up to Cg 50,000 per depositor per bank, companies and non-residents included, at APC Bank, Banco di Caribe, MCB, Orco, Vidanova and RBC.
Do I need to travel to Curaçao to open an account?
Banks work by appointment and no bank describes a fully remote opening, but a local director or trust office can attend while you send certified documents.
What currency are Curaçao accounts in?
The Caribbean guilder (XCG) since 31 March 2025, alongside US dollar and euro accounts. The guilder is pegged at about 1.79 to the dollar.
Does Heirson set up the accounts?
Yes, as part of the US$6,490 first year. For gaming operators we open accounts with payment firms outside Curaçao with you; for other companies we prepare the local bank file. It almost always goes through.

Changelog

  • 13 November 2026: first published.
Your Curaçao company

A Curaçao company, with somewhere for the money to land.

We plan the licence, the director and the payment accounts together.