The Kingdom Bank

What The Kingdom Bank does

The Kingdom Bank is a digital-asset friendly international bank incorporated in the Commonwealth of Dominica under the International Banking Act (Company Number 3159) and licensed by the Dubai World Trade Centre Authority (License L-4806). Founded in 2015-2016 and led by Founder & CEO Nebil Serkan Zubari, the bank operates from Roseau, Dominica with a regional headquarters in Dubai. It holds ISO 27001, PCI DSS, GDPR, and FATCA (GIIN: UM162U.99999.SL.212) registrations and is a SWIFT member (KICPDMD2).

The core platform combines traditional banking services — multi-currency accounts spanning 60+ fiat and digital assets, dedicated IBANs, SWIFT/SEPA payments, FX, cards, and money/crypto savings — with crypto-native capabilities including BTC/ETH/USDT and other digital asset support, OTC trading, a crypto payments merchant gateway, and pooled accounts enabling batch SWIFT payouts without individual IBANs. Technology is delivered via a self-serve web portal and iOS/Android apps, with documented APIs for liquidity and merchant integrations, and partnerships with Fireblocks (custody), MetaQuotes (forex platforms), Binance, Circle, and Goldman Sachs.

The bank monetizes through a mix of recurring account/service fees, transaction fees (SWIFT, SEPA, batch payments, global payment solutions across 80+ countries), FX spreads, savings interest spread economics (fiat up to 4.75% APY, USDT up to 3.5% APY), OTC crypto trading, and a referral program offering up to 30% monthly rewards. Go-to-market is multi-channel: digital self-serve for SMB/individuals, dedicated account managers for enterprise/HNWI, channel partners via the Kingdom Institutional Partner Network (KPIN), and event-driven acquisition at Money 20/20, IFX EXPO Dubai, and ICE Barcelona. Primary customer segments are forex and trading companies, iGaming operators, corporate B2B clients, high-net-worth individuals, and crypto-native startups across 80+ countries, supported by a reported 200K+ active client base and 500% growth in 2025.

Name

The Kingdom Bank

Legal name

Kingdom Bank Corporation

Website

https://thekingdombank.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

The Kingdom Bank is a Dominica-licensed offshore digital bank serving 200K+ clients across 80+ countries, offering multi-currency accounts, IBANs, SWIFT/SEPA payments, FX, crypto savings, OTC trading, and cards to forex firms, iGaming operators, corporates, HNWI, and crypto-native startups.

Ownership category

akta.pro rank

Product category

International Digital Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

Finance Services (6199)

akta.pro primary industry

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

akta.pro secondary industry

B2B Crypto Payouts, Mass Payments & Treasury Disbursements (FSADAIAF)

Keywords

• Multi-currency banking
• International digital banking
• Crypto-friendly banking
• Foreign exchange services
• Cross-border payments

Headquarters

HQ city

Roseau

HQ country

Dominica

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Account and Banking Services Fees: Service fees for multi-currency accounts, business accounts, and IBAN accounts. Pricing provided via separate pricing list based on customer type and volume.
2. Transaction and Payment Fees: Fees for SWIFT transfers, SEPA payments, batch payments, and international money transfers. Transparent pricing with no hidden charges.
3. Foreign Exchange Spreads: Revenue from currency conversion with competitive exchange rates. Supports instant currency conversion for over 30+ currencies.
4. Crypto Savings Interest: Interest earned on cryptocurrency savings with rates ranging from 2% (32 days) to 3.5% (365 days) for USDT savings.
5. Money Savings Interest: Fiat savings accounts with competitive rates up to 4.75% annual interest on GBP, EUR, and USD savings for durations up to 365 days.
6. OTC Crypto Trading: Over-the-counter cryptocurrency trading services for high-volume transactions with professional execution.
7. Global Payment Solutions: Payment processing for merchants and businesses across 80+ countries with local payment methods including PIX (Brazil), Pago Efectivo (Peru), and SEPA/SWIFT transfers.

Pricing tiers

Go-to-market motion4 records

Distribution channels5 records

Marketing channels6 records

Core offering

The Kingdom Bank is a licensed international digital bank offering multi-currency accounts, foreign exchange, and crypto-asset-friendly deposit and payment products for individuals, businesses, and partner platforms. Its suite spans personal and corporate banking, prepaid/debit cards, cross-border money transfer (Kingdom Cash / Scan & Pay), dedicated IBANs, pooled B2B accounts, liquidity and OTC services, and crypto savings, delivered across 80+ countries from a Commonweath of Dominica banking license.

Product overview

The Kingdom Bank is a digital-asset friendly international bank providing a comprehensive platform of financial services. The core offering consists of Private Banking, Corporate Banking, Multi-currency Account, Pooled Account, Foreign Exchange, Money Transfer, and Dedicated IBAN services. These are complemented by specialized modules including Cards (virtual and physical), Kingdom Cash vouchers, Crypto Payments gateway, B2B and B2C payment solutions, and Global Payment Solutions supporting local payment methods worldwide. The bank also offers savings products in both fiat (Money Savings up to 4.75%) and crypto (Crypto Savings up to 3.5%), Liquidity Solutions for institutional clients, and an OTC Desk for high-volume cryptocurrency trading. Additional services include Expense Management, Scan & Pay QR payments, and a Referral Program. The platform supports over 60 currencies and multiple cryptocurrencies including BTC, ETH, USDT, and operates across 80+ countries.

Differentiator

Problem solved

Functional benefit

Brands

• Kingdom Cash: A digital voucher that can be obtained and redeemed at hundreds of online merchants worldwide, using EUR currency for global payments.
• Kingdom Bank Cards
• Kingdom Institutional Partner Network (KPIN)

Products and services

• Private Banking Bespoke relationship-managed international banking for high-net-worth individuals and family offices, including multi-currency accounts, FX, and tailored cross-border services under a regulated Dominica banking licence.
• Corporate Banking Multi-currency corporate banking for businesses and groups, including treasury, FX, global payments, and dedicated relationship management under a regulated Dominica banking licence.
• Multi-currency Account Personal account supporting multiple fiat currencies and crypto balances in one login, with card access, Scan & Pay, and Kingdom Cash transfers for globally mobile individuals.
• Pooled Account B2B pooled account infrastructure that lets fintech partners and B2B2C platforms hold, reconcile, and disburse multi-currency and crypto balances on behalf of their end users.
• Business Account Multi-currency business account for SMEs, traders, and online operators, providing corporate IBANs, global payouts, expense management, and card spend.
• Foreign Exchange (FX) Foreign exchange service that lets clients convert between multiple fiat currencies (and select digital assets) at quoted rates, used by individuals, businesses, and partners.
• Cards Prepaid and debit card products linked to multi-currency and Kingdom Cash accounts, enabling point-of-sale, online, and ATM spending worldwide.
• Money Transfer Cross-border money transfer service for individuals and businesses sending funds internationally in multiple currencies from a Kingdom Bank account.
• Kingdom Cash Consumer instant payment and P2P transfer service operated from The Kingdom Bank's app, used by individuals for peer-to-peer and everyday payments alongside the bank's cards and Scan & Pay.
• B2B Banking B2B banking platform enabling partners and institutional clients to embed multi-currency banking, dedicated IBANs, pooled accounts, and global payment services through The Kingdom Bank's infrastructure.
• Global Payment Solutions Global payment solutions for businesses, including multi-currency payouts, supplier payments, and cross-border settlement via dedicated IBANs and partner rails.
• Dedicated IBAN Issuance of dedicated IBANs to corporate and partner clients so they can receive and send funds in their own name across multiple currencies.
• Liquidity Solutions Liquidity solutions for institutional and trading counterparties, providing FX and crypto liquidity access through The Kingdom Bank's banking and OTC infrastructure.
• OTC Desk Over-the-counter (OTC) trading desk enabling clients to execute large-volume spot trades in fiat and select digital assets at quoted prices.
• Crypto Savings Interest-bearing crypto savings product that lets account holders earn yield on supported digital-asset balances held with The Kingdom Bank.
• Money Savings Fiat savings product offering interest on multi-currency cash balances held in Kingdom Bank personal or business accounts.
• Crypto Payments Crypto payment processing service that lets merchants and partners accept and settle supported digital assets through Kingdom Bank rails.
• Scan & Pay QR-code based Scan & Pay feature that lets individuals pay merchants and peers from their Kingdom Bank multi-currency or Kingdom Cash balance.
• B2C Payments B2C payment services enabling platforms and partners to disburse funds to end users from a Kingdom Bank pooled or partner account.

Quantifiable outcome

• 500% growth in 2025
• +4 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

Seven partnerships are on record, tiered core, minor and flagship.

• FireblockscoreTechnology or Integration · 14 May 2026Strategic partnership to support digital asset services with enterprise-standard infrastructure. Fireblocks provides digital asset custody, transfer, and operational infrastructure for The Kingdom Bank's crypto services.
• Ace AllianceminorGTM or Marketing Partner · 25 March 2026Listed in Ace Alliance Directory with crypto-friendly banking recognition. Partnership provides visibility within the crypto and fintech ecosystem.
• MetaQuotescoreTechnology or Integration · 4 March 2026Partnership to simplify fee payments for clients operating in the forex sector. MetaQuotes provides trading platform technology integrated with The Kingdom Bank's payment services.
• West Ham UnitedflagshipGTM or Marketing Partner · 6 November 2025Global partnership expansion from regional to global level, reflecting the bank's growth. Partnership involves branding at London Stadium and collaboration on digital campaigns to engage global supporter base. The Kingdom Bank is the Official Banking Partner of the Premier League club.
• BinancecoreTechnology or IntegrationPartnership with Binance as part of The Kingdom Bank's trusted network, providing cryptocurrency exchange integration and digital asset services.
• CirclecoreTechnology or IntegrationPartnership with Circle (USDC issuer) as part of The Kingdom Bank's trusted network, providing stablecoin infrastructure and services.
• Dubai World Trade Centre AuthorityflagshipGTM or Marketing PartnerLicensed by Dubai World Trade Centre Authority under License L-4806. Enables The Kingdom Bank to serve clients in the UAE and Middle East region.

Scale indicators7 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• BVNK: Cross-border payments and stablecoin/payout infrastructure for businesses—comparable B2B crypto payouts and treasury disbursements proposition.
• B2BinPay: Crypto payment processor and merchant acquiring service serving brokers and exchanges—an adjacent competitor for the bank's crypto-payments and pooled-account clients.
• Wirex: Crypto-friendly multi-currency debit-card and payments app serving consumers and businesses globally—directly comparable product set of multi-currency accounts, crypto spending, and global transfers.
• Choice Bank: Offshore, crypto-friendly digital bank serving similar high-risk-vertical SMBs (forex, iGaming, crypto firms) with multi-currency accounts and international payments.
• Airwallex: Multi-currency business accounts and global payment infrastructure for SMEs—same core product positioning (multi-currency, FX, cross-border payments) with stronger home-jurisdiction licensing.
• Mercury: Digital business banking platform focused on startups and tech companies, offering multi-currency support, treasury, and integrated payments—comparable digital-first corporate banking stack.

Broad incumbents

• Revolut: Large-scale neobank offering multi-currency accounts, crypto trading, FX, and cards to consumers and businesses—broader portfolio but overlapping core capabilities.
• N26: European-licensed neobank with multi-currency accounts, FX, and increasingly crypto features—a broader incumbent that competes for the same cross-border SMB and high-net-worth segment.

Emerging players

• Alpaca: API-first brokerage and banking infrastructure for fintechs and crypto-native firms—overlapping liquidity and custody-adjacent services for broker/exchange clients.
• IBANity (formerly Treezor): Banking-as-a-service provider offering SEPA/IBAN accounts and payment rails for fintechs—competes on the IBAN and corporate account functionality The Kingdom Bank sells to PSPs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/kingdombankcom
• Facebookfacebook.com/thekingdombank
• LinkedInlinkedin.com/company/thekingdombank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about The Kingdom Bank