March 16, 2024


 min read

St. Lucia Banks: Everything You Need to Know






Saint Lucia


St. Lucia Banks: Everything You Need to Know


Understanding the ins and outs of the country's banking system is essential if you plan to open a bank account in St. Lucia. St. Lucia's financial landscape is quite robust, with a mix of local and international banks catering to a variety of financial needs of both locals and foreigners. This includes those who have gained citizenship through St. Lucia's Citizenship by Investment Program (CBI). With a diverse array of services, from savings and current accounts to credit facilities, the banking system in St. Lucia is designed to accommodate your financial requirements.

Banking in St Lucia 101

Banking System Overview

St. Lucia's banking system is characterized by a mix of domestic and international banks that cater to the financial needs of its residents, non-residents and businesses. The banking sector includes both local and international players, with institutions such as the Bank of Saint Lucia and 1st National Bank of St Lucia operating alongside international banks with a presence on the island. 

The country's banking landscape has evolved to incorporate modern technologies, with banks offering online banking services, ATMs, and electronic payment systems to enhance accessibility and efficiency for customers. Despite the relatively small size of the island's economy, the banking sector in St. Lucia remains resilient, contributing to the overall economic development of the nation by fostering financial stability and supporting the growth of businesses and individuals through various financial instruments and services.

Banking System Regulations

St. Lucia's banking system is subject to regulatory oversight primarily by the Eastern Caribbean Central Bank (ECCB), which serves as the common central bank for eight Eastern Caribbean Currency Union (ECCU) member countries, including St. Lucia. The ECCB establishes and implements monetary policy, regulates and supervises financial institutions, and promotes the stability of the Eastern Caribbean currency, the Eastern Caribbean Dollar (XCD).

The regulatory framework includes prudential guidelines, capital adequacy requirements, and risk management standards aimed at ensuring the soundness and stability of financial institutions. The ECCB works in collaboration with local regulatory authorities, such as the Financial Services Regulatory Authority (FSRA) in St. Lucia, to enforce compliance with international banking standards and maintain the integrity of the financial system. Additionally, St. Lucia adheres to international anti-money laundering (AML) and counter-terrorist financing (CTF) standards to prevent illicit financial activities, with financial institutions required to implement robust Know Your Customer (KYC) and due diligence procedures. 

The most fundamental law is the International Banks Act (Cap 12.17). This is the legislation that governs international banks doing business in St. Lucia. The Act and its accompanying regulations lay out the requirements and procedures for applying for a financial license.

The regulatory environment evolves to address emerging risks and align with international best practices, contributing to the overall health and resilience of St. Lucia's banking system.

Caribbean Association of Banks

The Caribbean Associations of Banks (CAB) is a regional trade association that represents the interests of banks and financial institutions across the Caribbean. Established in 1974, the CAB serves as a platform for collaboration, advocacy, and the exchange of information among its member institutions. The organization encompasses a diverse membership, including commercial banks, central banks, and other financial entities operating in the Caribbean region.

One of the primary objectives of the Caribbean Association of Banks is to foster cooperation and networking among its members to address common challenges and opportunities within the Caribbean banking sector. The CAB plays a crucial role in advocating for policies that promote the stability, growth, and competitiveness of the region's financial institutions. 

The CAB is involved in discussions on regional financial regulations, economic policies, and international banking standards, contributing to the development of a robust and well-regulated financial sector in the Caribbean, including St. Lucia. 

The Currency of St. Lucia  

The official currency of St. Lucia is the Eastern Caribbean Dollar (XCD). The Eastern Caribbean Dollar is the common currency used by several countries in the Eastern Caribbean region, and it is pegged to the United States Dollar (USD) at a fixed exchange rate. The Eastern Caribbean Currency Union, of which St. Lucia is a member, includes several other countries such as Antigua and Barbuda, Dominica, Grenada, Saint Kitts and Nevis, Saint Vincent and the Grenadines, and others. The ECCB is responsible for issuing and regulating the Eastern Caribbean Dollar. While the Eastern Caribbean Dollar is the official currency, the United States dollar is widely accepted and used in commercial transactions, especially in tourist-oriented areas.

Online Banking

Nearly all banks in St. Lucia offer their clients online and mobile banking services, providing a digital platform and mobile application designed to save time, reduce costs, and promote environmental sustainability. The following services are available through online and mobile banking:

  • Secure Banking: Rest easy with a two-step verification process that adds an additional layer of security to safeguard confidential transactions. Advanced security measures ensure the protection of your financial information during online and mobile banking activities.
  • Card Security Controls: Take command of your debit and credit cards using features that enhance card security. Receive real-time notifications for card transactions, bolster security while traveling by verifying your mobile location, and instantly freeze your card if lost or stolen, providing added security and control over your financial assets.
  • Check Your Balance: Effortlessly stay informed about your account balances through the online banking portal and mobile app, allowing you to monitor your finances at your convenience.
  • Make Transfers: Seamlessly transfer funds between your accounts, conduct local transfers to other customers, send money to accounts at other local banks, and even make international transfers.
  • Pay Bills: Simplify your bill payments using digital banking services. Paying your bills online is just a few clicks away, eliminating the need for traditional paper-based transactions.
  • Environmentally Friendly Statements: Contribute to environmental conservation by choosing online account statements. Opting for digital statements not only saves paper but also reduces your carbon footprint while still providing access to your financial records.

Offshore Banking in St Lucia

Offshore banking refers to the provision of financial services by banks located in a jurisdiction different from the client's country of residence. Saint Lucia's financial services sector stands out for its robust offshore banking offerings tailored to international clients seeking privacy, asset protection, and potential tax advantages. The jurisdiction provides a range of offshore account options through international banks, encompassing multi-currency accounts and savings accounts. 

One key feature of offshore banking in Saint Lucia is the emphasis on confidentiality and data protection. The jurisdiction prioritizes a high degree of discretion in financial transactions. 

Furthermore, Saint Lucia's offshore banking sector facilitates asset protection through the establishment of offshore structures and trusts. Clients can employ these mechanisms to shield their assets from potential legal or financial risks, reinforcing the jurisdiction's commitment to providing a secure and stable financial environment for international clients. 

Benefits of Banking in St Lucia

Holding a bank account in St. Lucia opens up a wealth of banking opportunities, such as: 

  1. Banking Privacy. St. Lucia, like many other offshore financial centers, has banking privacy laws that aim to protect the confidentiality of account holder information. These laws can offer a level of financial privacy to individuals, making them attractive for those seeking to keep their banking activities more discreet.
  2. Currency Diversification. Having a bank account in a foreign country like St. Lucia allows individuals to diversify their holdings across different currencies. This can be particularly beneficial for those who want to reduce currency risk and exposure to fluctuations in their home country's currency.  
  3. Tax Planning. St. Lucia is known for having favorable tax laws, and for some individuals, offshore banking in the country may offer tax planning advantages. St. Lucia has no personal taxes such as global income tax, wealth tax, inheritance tax, etc.
  4. Interest Rates and Investment Opportunities. Offshore banks in St. Lucia may offer competitive interest rates and a range of investment opportunities that may not be available in one's home country. This could potentially lead to better returns on savings and investments. For instance, the deposit interest rate in St. Lucia averaged 4.36% from 1980 until 2022. 
  5. Global Access to Financial Services. A bank account in St. Lucia provides individuals with global access to financial services. This international presence can facilitate seamless transactions, enable convenient cross-border fund management, and offer a broader spectrum of financial instruments, further enhancing the overall banking experience for account holders.

Banks in St Lucia that are members of the Caribbean Association of Banks

Please find information on the key members of the Caribbean Association of Banks below in the table: 

Bank Name Main Office Location Number of Branches Number of ATMs List of Services Service Fees
32CW+388, Gros Islet, Saint Lucia 10 Around 70 Deposit Services, Loan and Credit Services, Electronic Banking, Investment Services, Business Banking, Insurance Services, Foreign Exchange, Financial Advisory Services Annual Fee - $20.00, ATM Fees – free, Regional/International POS Merchants – 2% of transaction amount, Replacement Card - $25.00, POS/ATM Decline or Insufficient Funds outside of St. Lucia - $2.50, IDCs are not issued on 1st Step Savings and Business Accounts
#1 Bridge Street Castries LC04 101, Saint Lucia 5 30 Personal Banking Solutions, Corporate Banking Services, Small and medium-sized business banking services, Solutions for Lending, Services for debit and credit cards Monthly Service Charge for Savings and Current Accounts - $3.00, ATM /POS NSF Fee - $2.00, Transfer between accounts and from one customer to another within or among branches - $0.00, Replacement Card - $31.00
Meridian Place, Choc Estate, BW Box 332, Castries, Saint Lucia 1 The Hermes card can be used at any ATM Individual/Corporate Current Accounts, Fixed Term & Notice Deposit Accounts Account opening: personal - €100, corporate €700-1500, Initial deposit: personal - €1000, corporate - €5000, Required balance: €250, Monthly fee - from €400, Transactions: commission from 0.1%
Unit 104 Johnsons Centre, No.2 Bella Rosa Road, Gros Islet, Saint Lucia 3 Around 10 Personal/business bank accounts in multiple currencies Check with bank manager
William Peter Boulevard, Castries, St. Lucia 5 Around 5 Home/commercial real estate/land/home equity loans, vehicle loans, long-term fixed deposits Negotiation Fee - 1.50%, Late Loan Payment - $50.00, Property Valuation - $500.00 - $800.00, Insurance Admin Fee - $150.00, Bank Confirmation - $25.00
La Place Creole Building, Rodney Bay, Gros Islet, St. Lucia 2 N/A Bank Guarantees, SBLC, Pre-advice Services, Merchant Accounts, Offshore Banking Check with bank manager
#15 Bridge St. Castries, Saint Lucia; Providence Commercial Centre, Rodney Bay, Gros-Islet, St.Lucia 2 N/A Debt Consolidation, Equity Finance, Mortgages, Personal/Professional Loans, Education/Housing Plan, Housing Assistance Check with bank manager
6 Wm Peter Boulevard, Castries, St. Lucia 3 5 Current, Savings, Foreign currency accounts, Online and mobile banking Annual Fee - $20.00, ATM Fees – $2.00, Regional/International POS - 2% of transaction, No charge for POS/ATM Decline outside of St. Lucia
Rodney Bay Commercial Centre, Castries, St. Lucia 1 None Personal/Business Solutions, Retirement Plan, Accident/health/liability/travel/property insurance Commitment/acceptance fees - % of loan/lease or min $300, Late payment - $50.00, Account restructuring - 2%, Refinancing/consolidation - 1% of loan or min $300

Top Banks in St Lucia for Foreigners

St. Lucia welcomes locals and foreigners with a selection of reputable banks that satisfy their financial needs. Among the top choices are the following banks: 

Bank of St. Lucia

The Bank of Saint Lucia, the island's largest indigenous bank, provides a comprehensive range of banking solutions tailored to meet individual needs. It was established in 2001 and has since become a significant player in the banking sector in Saint Lucia. It operates as a subsidiary of the Eastern Caribbean Financial Holding Company (ECFH), which is a regional financial services group. 

Bank of St. Lucia Services Fees

The Bank of Saint Lucia, like many financial institutions, imposes fees based on the type of account and transactions involved. Common services may include charges for wire transfers (from $30.00), ATM usage (from $2.00), and account maintenance (from $3.00 per month). Detailed information on service fees can be found on this webpage

Bank of St. Lucia Online Banking

You may facilitate a secure and efficient financial management experience through Bank of Saint Lucia's online banking platform, accessible across various devices. You may ensure the integrity of your transactions by checking balances, scrutinizing account activities, and downloading statements in a safe and secure environment. You can also enhance control over your financial affairs with streamlined bill payments, loan settlements, credit card payments, and wire transfers. The platform also allows for the establishment of recurring payments, the receipt of activity alerts through SMS text or email, secure messaging, and access to user guides and frequently asked questions. To initiate the process, you need to download the Personal Online Banking Application Form

1st National Bank of St. Lucia

Saint Lucia did not possess its own national bank in the past. Banking, including the basic act of saving hard-earned money, was a privilege restricted to a select few. Out of the dynamically changing political and social landscape, St. Lucia Co-operative Bank Limited was established in January 1938, marking a significant development in the accessibility of banking services. Now, this bank operates as First National Bank St. Lucia Limited, commonly known as FNB St. Lucia. It is a subsidiary of the First National Bank Group, which operates across several countries in the Caribbean. FNB St. Lucia has a long history in the region and has been providing banking services in St. Lucia for many years. It is mainly a homegrown bank that prides itself on personalized service.

1st National Bank of St. Lucia Services Fees

The bank typically levies charges based on the type of account and transactions conducted. Common services subject to fees may include minimum opening value (from $100.00), ATM usage (free of charge), and account maintenance (from $20.00 per year). Please check the bank’s service fees on this website

1st National Bank of St. Lucia Online Banking

You may utilize the 1st National Bank of Saint Lucia's Secure Internet Online Banking to efficiently manage your accounts. With this platform, you can easily monitor balances and activities, conduct seamless fund transfers, access and print current or past statements, and download account transactions for integration into your software applications. Additionally, take advantage of the convenient Funds Transfer option to make payments towards your loans or utility bills through the online banking portal.

Hermes Bank

Hermes Bank of St. Lucia is the most popular bank among clients of Golden Harbors. It was established in 2012. As a fully regulated financial institution, it provides banking solutions in accordance with internationally acknowledged banking principles and standards. 

  • Financial Services Regulatory Authority (FSRA)
  • "A" Class International Banking License
  • First-Class Correspondent Banks
  • SWIFT Authorized Member
  • FATCA Compliant

Hermes Bank Services Fees

Specific service fees at Hermes Bank may vary and are subject to change. The bank typically imposes fees based on different accounts, account opening costs (from €100), initial deposits (from €1000), and minimum balance (​​from €400). Prospective clients are advised to directly contact the bank for the most up-to-date information on services and associated fees.

Hermes Bank Online Banking

The bank seamlessly integrates experience, expertise, and cutting-edge technologies to provide a contemporary approach to Personal, Corporate, and Intermediary Online Banking services. Upon submission of the necessary documentation, your Hermes Bank account will become operational, granting you access to a range of services. You may acquaint yourself with the offerings, and the team looks forward to addressing any inquiries you may have, ensuring a personalized and efficient banking experience tailored to your requirements.

Republic Bank Limited

Originally established as Colonial Bank in 1837, Republic Bank Limited holds the distinction of being the first commercial bank in Trinidad and Tobago. With a rich 181-year history, the bank's success is attributed to a strategic growth approach marked by acquisitions, prudent risk management, innovative corporate social investment initiatives, and visionary leadership complemented by a dedicated workforce. Adapting to the evolving economic landscape and societal changes, Republic Bank expanded significantly through acquisitions, eventually adopting the dual roles of a licensed commercial bank and a holding company for its subsidiaries. 

Republic Bank Limited Services Fees

Common services subject to fees include minimum balance (from $0.00), ATM usage (from $2.00), and account maintenance ($20.00 per year), with variations depending on the account and activity. It is advisable for prospective clients to refer to the bank's current fee schedule. 

Republic Bank Limited Online Banking

You may experience the convenience of managing your finances effortlessly with Republic Bank Limited's online banking platform, RepublicMobile. Whether you are at home or on the go, you can access a range of features, including viewing account balances, transaction history, and eStatements. RepublicMobile empowers you to conduct various transactions, such as transfers between personal and third-party Republic Bank and other bank accounts, cardless cash transactions, real-time credit card payments, and loan payments. 

Proven Investment Limited

Proven Investments Limited (PIL) was established in 2009. It raised $20 million in 2010 through a private placement and was later listed on the Jamaican Stock Exchange. PIL employs a unique business model focusing on tradable securities and actively seeks private equity investments. The company's diversified board and commitment to good governance support its goal of expanding operations beyond Jamaica. PIL's investment strategy targets high-quality fixed-income instruments and equity positions, primarily catering to the high-net-worth market, with a focus on carry-trade, portfolio positioning, and private equity transactions.

Proven Investment Limited Services Fees

Specific service fees for Proven Investments Limited (PIL) were not detailed. PIL, operating primarily as a holding company and investment manager, may not have a traditional fee structure akin to that of commercial banks. Clients and prospective investors are encouraged to directly contact PIL for the most up-to-date information on any fees associated with their services.

Proven Investment Limited Online Banking

You may take control of your finances with our eBanking service, providing you with the convenience of managing your account from anywhere in the world, 24/7. This dedicated and secure platform enables you to access your accounts, view balances, initiate transactions, download bank statements, and easily reach out to our customer relations team for any assistance you may require. 

Requirements for Opening a Bank Account in St Lucia

Commencing the process of opening a bank account in St. Lucia is an endeavor that draws interest from individuals and businesses globally. It is imperative to have a clear understanding of the necessary documentation required for this procedure.

Requirements for an Individual

To ensure a compliant and hassle-free process when opening an individual bank account with major banks in St. Lucia, applicants must adhere to specific document submission requirements. The following details the essential documentation:

  1. Identification:
  • Submit a passport or government-issued ID with a photograph.
  1. Tax Identification Number:
  • Furnish this number, which is mandatory for foreign nationals, dual-citizens, and non-residents.
  1. Proof of Income:
  • Provide either a recent payslip/paystub or a recent letter of employment.
  • Include bank statements demonstrating the source of income.
  1. Proof of Address:
  • Present any of the following:
  • Valid driver’s license
  • Recent bank statement
  • Utility bills
  • Letter from the property owner.
  1. Additional Supporting Documents:
  • Complete the application form along with an accompanying statement expressing your intention to open a bank account.
  • Include a letter of recommendation from a respected bank or professional.

Requirements for a Legal Entity (Business)

To establish a business presence in St. Kitts and Nevis and open a business bank account, it is vital to be familiar with the extensive array of business documentation needed. Here is a compilation of the necessary documents:

  1. Corporate Documents:
  • Certificate of Incorporation
  • Articles of Incorporation
  • Notice of Directors
  • Notice of Appointment of a Company Secretary
  • Notice of Registered Address
  • The By-laws of the Company
  1. Ownership Information:
  • Submission of information on shareholders holding more than 10% of the paid-up share capital.
  1. Banking Resolution:
  • Provide a Director’s Resolution to Open Account, signed by no fewer than the number of directors required to make up a quorum.
  1. Financial Documentation:
  • Furnish management accounts for the last 3 years or alternative proof of the integrity of the source of funds, such as a banker’s reference and bank statement from the previous banker.
  • Include the most recent Annual Return filed with the registrar and identification documents of individuals named in the Annual Return, unless a company is listed as a shareholder.
  • Present Annual Reports/Audited Financial Statements for the last three years, along with a description and place of the principal line(s) of business, a list of major business units, potential suppliers, and customers.
  • Submit the Registration Certificate (Certificate of Registration of a Regulated Entity, if applicable).
  1. Additional documents: 
  • The list of required documents may expand, and additional documentation, certification, notarization, and translation may be requested by the bank.

How to Open a Bank Account in St Lucia?

Opening a bank account in St. Lucia is a straightforward process that takes the following steps:

Step 1. Research Banking Options

Begin by researching banks in St. Lucia. Look for banks that offer the services and features you require, such as online banking, international wire transfers, multi-currency accounts, and investment opportunities. 

Be aware of any fees and charges associated with maintaining the account. This includes monthly maintenance fees, transaction fees, and other service charges. Choose a bank with transparent and reasonable fee structures. 

Step 2. Comply with Regulations and Pass Due Diligence

Ensure that you meet all the legal requirements to open a bank account. Proper client verification can take anywhere from a few hours to two weeks. Legal entity due diligence typically takes longer. The applicant confirms the legality of his income, the absence of debts, and the absence of a criminal record during the Due Diligence check.

Step 3. Gather the Required Documents

Prepare all the necessary documents to open a bank account. Typical requirements include a valid St. Lucia passport, proof of address, source of funds, and other identification documents. Some banks might also ask for additional documentation, so it's essential to check with the specific bank beforehand.

Step 4. Choose the Right Account Type

Decide on the type of bank account that best suits your needs. This could be a savings account, current account, fixed deposit account, or investment account, depending on your financial goals. 

Step 5. Consider Banking Services

Evaluate the banking services that the institution offers. For example, if you plan to do a lot of international transactions, look for banks with low foreign exchange fees and competitive international wire transfer rates.

Step 6. Visit the Bank or Apply Online

Depending on the bank's policy, you might need to visit a branch in person to open the account or apply online. Most banks offer the option to apply remotely, allowing you to open an account from anywhere in the world.

Step 7. Consider Tax Implications

Understand the tax implications of maintaining a bank account in St. Lucia as well as in your home country or other countries. Consult with a tax advisor to ensure that you are in compliance with tax laws and that your financial situation is optimized.

Step 8. Maintain Compliance

Once the account is opened, ensure that you comply with all the rules and regulations set forth by both the bank and the relevant authorities. Stay informed about any changes in banking regulations that may affect your account.

Step 9. Monitor Your Accounts

Regularly monitor your bank accounts to track transactions, balances, and any potential issues. Promptly address any concerns with the bank's customer service.

Citizenship by Investment Program in St Lucia

In order to ensure your stability and mobility in the future, you can apply for a second passport in St. Lucia as a foreign national. St. Lucia's Citizenship by Investment Program allows individuals to acquire citizenship by making a qualifying investment of at least $100,000 in the country. The program offers various investment options, including contributions to the National Economic Fund, real estate investments, enterprise projects, or government bonds. Successful applicants and their families may gain St. Lucian citizenship, providing them with visa-free or visa-on-arrival access to over 145 countries, including the EU, Singapore, Hong Kong, and the UK. 

On top of that, St. Lucia's Citizenship by Investment Program provides a streamlined and efficient process, allowing applicants to obtain citizenship within a relatively short timeframe, often in a matter of months. The program is designed to attract investors seeking not only enhanced global mobility but also the benefits of St. Lucian citizenship, such as a favorable tax environment and a tropical lifestyle. 


How Hard is It to Open a Bank Account in St Lucia?

It is not hard to open a bank account in St. Lucia. Opening a bank account in St. Lucia typically requires standard documentation such as proof of identity, proof of address, proof of income, and reference letters. Non-residents might need additional documentation, and specific requirements can vary among banks.

Can You Use American Money in St Lucia?

Yes, you can use American money in St. Lucia. While some businesses in tourist areas may accept U.S. dollars, it is advisable to exchange your American currency for Eastern Caribbean dollars (official currency of St. Lucia) to ensure smoother transactions and potentially avoid unfavorable exchange rates. Most transactions within the local economy are conducted in the official currency of St. Lucia.

Can you withdraw USD in St Lucia?

Yes, you can withdraw USD in St. Lucia. While some banks and ATMs may offer the option to withdraw U.S. dollars, it is not universally available everywhere. The default currency for most transactions and ATM withdrawals is the Eastern Caribbean Dollar (XCD). 

Will My US Credit Card Work in St Lucia?

Yes, your US credit card will work in St. Lucia. In general, U.S. credit cards are widely accepted in St. Lucia, especially in major tourist areas, hotels, and larger establishments. Visa and MasterCard are commonly accepted. 

Can a US Citizen Open a Bank Account in St Lucia?

Yes, a US citizen can open a bank account in St. Lucia. The specific requirements and procedures may vary between banks. You may need to provide standard documentation such as proof of identity (passport), proof of address, and possibly reference letters. Some banks may have additional requirements for non-resident account holders.

Can Non-Residents Open a Bank Account in St Lucia?

Yes, non-residents, including U.S. citizens, can typically open a bank account in St. Lucia. Some banks might impose certain restrictions or fees for non-resident accounts, so it is recommended to thoroughly research and compare options before initiating the account opening process.

Can I Open a Bank Account in St. Lucia Remotely?

Yes, you can open a bank account in St. Lucia remotely. The main banks in St. Lucia may offer the option to open a bank account remotely. However, the availability of this service and the specific requirements can vary among different banks.

How to Choose the Best Bank in St Lucia?

To choose the best bank in St. Lucia, consider evaluating factors such as the bank's reputation for customer service, the range of services offered, and the fees associated with their accounts. Research and compare the interest rates, account fees, and additional services provided by different banks to find the one that aligns with your financial needs. Additionally, read customer reviews and seek recommendations to gain insights into the overall satisfaction of clients with the bank's services.

What is the Сheapest Иank in St Lucia?

Determining the cheapest bank in St. Lucia depends on your specific banking needs and usage patterns. It's advisable to compare account fees, transaction charges, and other associated costs across different banks. Such banks as 1st National Bank St. Lucia Ltd, Hermes Bank, and Bank of Saint Lucia offer lower fees for certain services, so carefully review their fee schedules to identify the most cost-effective option based on your individual banking requirements.

Do St. Lucia Banks Accept Crypto?

St. Lucia's banking sector generally has not widely embraced cryptocurrencies. The regulatory environment for cryptocurrencies can vary, and banks might be cautious about integrating them due to concerns about security, compliance, and volatility. 

Can I Use St. Lucia Bank Cards Abroad?

Yes, you can use St. Lucia bank cards abroad. You are able to access your savings or checking account from anywhere in the world. Safer than cash, the card gives you full control over your spending as you can monitor your account through complementary convenience services such as Online & Mobile Banking.

Saint Lucia

Residence Benefits

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Visa free travel to 151 countries

Including the E.U. and Schengen area, the U.K., Hong Kong, Singapore, Malaysia, and others. Easy procedure for obtaining long-term US and Canada tourist visas


Global mobility and freedom

We take care of the paperwork and help you prepare and submit your application - you receive your passport via DHL Express. No requirement to reside in Saint Lucia


Fast application processing

From 4 to 6 months


Global mobility and freedom

Zero personal tax. No tax on inheritance, capital gains, foreign income, dividends, interest, or royalties


Dual citizenship is permitted

There is no need to renounce your previous citizenship when obtaining a Saint Lucia passport


Global mobility and freedom

from $100,000 for a single applicant.

Saint Lucia


Processing Time and Terms

Enter your estimated application start date for Saint Lucia citizenship and receive a clear timetable for the entire procedure.

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Sign a service agreement, fill out application forms, and pay the initial service and due diligence fees


We compile a document package and submit it for due diligence performed by Saint Lucia CBI unit


Due diligence and background check conducted by the state


We submit your citizenship application once we receive the approval, and you make payment of the outstanding investment amount, government fees, stamp duty, and other fees


We supervise the issuance of your passport by Saint Lucia and send your Certificate of Citizenship and passport by DHL Express

There are Always Options to EXPAND YOUR BOUNDARIES! Let's Discuss Yours

Every client is unique

Every case requires an individual approach and solution. Our years of experience in the industry allow us to provide both.

We will answer all your questions and provide detailed information about the available second passport and residency programs to help you make the right choice.


Lead Attorney at Golden Harbors

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Lead Attorney at Golden Harbors