01
Who the banking model may fit
First define the purpose: daily payments, custody, an investment mandate, portfolio lending or private banking. A public online account for a Swiss resident and international wealth-management onboarding are different products, legal entities and channels.
02
Documents and file architecture
The file connects identity, actual address, tax residence and TIN, occupation, financial profile, source of wealth, source of funds and expected activity. Sale agreements, dividend resolutions, audited accounts, inheritance documents, tax returns and statements form a connected evidence chain.
03
KYC, UBO and the bank's decision
The bank tests the profile against cross-border rules, AML, CRS/FATCA, sanctions, PEP exposure and its own risk appetite. It may request more evidence or refuse; no intermediary can guarantee approval, timing, pricing or remote identification.
This material is not an offer of banking or investment services or a guarantee of account opening. Smart Global Capital provides independent legal support and is not a bank, its agent or affiliate unless expressly confirmed in writing. The bank determines the decision, conditions and timing.
04
Profile-specific conditions
Banking secrecy protects confidentiality from unlawful disclosure; it does not create anonymity or displace lawful information exchange, AML review or tax reporting.
05
Support sequence
We define the banking model, conduct a legal/KYC readiness review, resolve inconsistencies across corporate, tax and banking data, prepare an evidence index and support responses. The bank remains the sole decision-maker.
FAQ
Frequently asked questions
Can an account be opened without Swiss residence?
It may be possible in certain banking models, but availability depends on the country, profile, purpose and bank policy. A particular bank's public digital onboarding may be limited to Swiss residents.
Is there one minimum balance?
No. Relationship minimums and charges vary by bank, product, residence and investment mandate.
Can an anonymous account be opened?
No. The bank identifies the client, beneficial owner, tax residence and origin of assets.
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