毛里求斯での法人銀行口座開設は、GBC、信託、ファンデーションを設立する国際的なクライアントにとって重要なステップです。毛里求斯には国内銀行と国際銀行の両方が存在し、それぞれに異なるKYC要件と口座開設の基準があります。近年、AML/CFTフレームワークの強化に伴い銀行のデューデリジェンスはより厳格になっており、完全かつ適切に準備された書類を提出することが承認の可能性を高めます。
Types of Bank Accounts Available
Multi-Currency Corporate Account
The standard account type for GBCs and holding companies. Accounts are typically maintained in USD, EUR, GBP and MUR, with sub-accounts in additional currencies available on request. Online banking with SWIFT/IBAN capabilities for international transfers is standard across all major Mauritius banks.
Trust Account
Banks offer dedicated trust accounts for Mauritius trusts administered by licensed trustees. The account is opened in the name of the trustee on behalf of the trust and requires identification of the trustee, the trust deed, and identification of all underlying beneficial owners and beneficiaries above applicable thresholds.
Fund Account
Investment funds require accounts structured to handle multiple share classes, investor subscriptions and redemptions, and segregated cash movements. Specialist fund administration banks such as AfrAsia and SBM Bank Mauritius offer dedicated fund banking services.
Private Banking Account
High-net-worth individuals and families relocating to Mauritius or with significant investable assets can access private banking services through MCB Private Banking, AfrAsia Private Banking, HSBC Premier and others. These accounts offer wealth management, investment advisory and premium service levels.
Bank Account Opening Process
Bank Selection
We assess the client's needs — currency requirements, transaction volume, jurisdiction of business counterparties, online banking needs, investment services — and recommend the most appropriate bank(s). Each bank has different risk appetite profiles, sector sensitivities and service levels.
KYC Document Pack Preparation
We compile and review the complete KYC document pack for the entity and all underlying beneficial owners, directors, shareholders, settlors and beneficiaries as required. We ensure documentation meets bank standards before submission, reducing back-and-forth delays.
Account Application Submission
We submit the account opening application directly to the bank's relationship management or compliance team, utilising our established relationships to ensure the file receives prompt attention. We handle all queries from the bank's compliance team.
Compliance Review
The bank conducts its internal KYC and AML review, including checks against sanctions databases, politically exposed person (PEP) screenings, and source of funds/wealth verification. This phase typically takes two to six weeks and may involve additional information requests.
Account Activation
Once approved, the account is activated and online banking credentials are issued. We assist with the initial setup of online banking, establishment of authorised signatories, and configuration of payment limits and approval workflows.
Typical KYC Documentation Required
- Certificate of incorporation and constitutional documents for the entity
- GBC licence or other FSC licence (if applicable)
- Registered office confirmation and corporate structure chart
- Certified copy of passport for all directors and beneficial owners
- Proof of residential address (utility bill or bank statement, dated within 3 months)
- Professional reference letter for each beneficial owner (from lawyer, accountant or banker)
- Bank reference letter for each beneficial owner
- Source of funds and source of wealth declaration with supporting evidence
- Business plan or description of anticipated account activity
- Tax Identification Number (TIN) or equivalent for all account signatories
- For corporate shareholders: full corporate registry documents and beneficial ownership chain to ultimate natural person
Indicative Costs
| Item | Indicative range |
|---|---|
| Bank account opening assistance (standard) | USD 1,500 – 3,000 |
| Bank account opening assistance (complex / multiple BOs) | USD 3,000 – 6,000 |
| Bank introduction and relationship management (ongoing) | USD 500 – 1,200 per year |
| Account maintenance fee (bank — indicative) | USD 500 – 2,000 per year |