Business account opening for holding companies

Show what the holding company owns and why it exists: shares, investments, property or other assets. Distinguish dividend receipts, share-sale proceeds, capital injections, intercompany loans and operating expenses. The absence of everyday sales is not a reason to invent trading income; the account should fit the actual lawful purpose.

Provide a group chart with ownership and control through every relevant layer. Offshore registration, nominee arrangements or owners in different countries should be described transparently. Tell us the company’s country separately from where owners live and where subsidiaries operate. Tax, reporting and economic-substance requirements require appropriate advice, not assumptions from an account label.

A suitable arrangement may support USD, EUR and GBP balances, local payment routes and international transfers. Confirm the countries and legal counterparties for dividends, subsidiary funding and owner distributions. Loan agreements, resolutions or other evidence may be needed to explain intercompany transfers.

Local currency details do not imply investment custody, credit facilities or permission to pool unrelated clients’ money. If the structure holds assets as trustee or operates a family investment service, state that explicitly. Holding-company operating funds, trust-owned assets and regulated customer money are distinct purposes that should not be mixed without the appropriate basis.

The institution may need to understand both how the owners accumulated wealth and how a particular transfer reached the holding company. Evidence can include subsidiary accounts, dividend resolutions, sale agreements, investment records and relevant tax or accounting documents. A balance statement alone does not explain the commercial origin.

Trust ownership introduces additional parties and authority questions. The deed, trustee powers, settlor, protector and beneficiaries may need review; use the separate trust-account opening assessment for the trust itself. If the group holds crypto, describe acquisition history, custody and conversion needs rather than assume a holding-company account supports every digital-asset transfer.

Start with the company country, owner locations, group purpose, principal subsidiaries or assets, expected balances and transfer routes. Explain previous bank refusals and outstanding restrictions. We help organise the account-purpose file and identify a suitable institution for the documented requirements before formal onboarding.

The institution performs its own checks and confirms support, minimum balances, fees and timing. Xavion is not the account issuer. Our guarantee applies only to cases approved after the free review for suitable onboarding; it does not promise every institution or investment product. We cannot conceal ownership, evade reporting or lift another bank’s restrictions. Paid placement work is separately agreed after the free consultation.