Why I Closed my Liechtenstein Bank Account
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- เผยแพร่เมื่อ 30 ก.ย. 2024
- nomadcapitalis...
In this video, Andrew shares a story about closing his bank account in Liechtenstein and discusses what you need to know about banking offshore.
Andrew Henderson and the Nomad Capitalist team are the world's most sought-after experts on legal offshore tax strategies, investment immigration, and global citizenship. We work exclusively with seven- and eight-figure entrepreneurs and investors who want to "go where they're treated best".
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By the way, I appreciate that Andrew went all the lenghts to open that account as an experiment/research. To all of us: the first impression matters, so if the bank gives you a headache when opening the account, it won't get better later on. Stay away from them!
..."Human R&D machine..."🤣
I've got a bridge to sell you right next to an ocean view property in south dakota
Absolutley....testing the water i say....
Comments are spot on. I live in Switzerland and can confirm that the financial services crowd and in particular bank employees here are stuck-up prats, living 100% off of the fumes of former glory
@@sheiladikshit5110 What a ridiculous false equivalence.
Remember the tagline: "Go where you're treated best." This includes: "Avoid where you're treated poorly."
@@Timberhawk I hear you. I should add that other than some of the problematical behavioural traits, particularly in financial services sector, life here is actually pretty: low taxes, high quality of life, no diversity so very low violent crime.
@@Timberhawk Amen
Sounds like you got the Swiss equivalent of "Don't call us we'll call you when we want to"
Banks have long left the banking business. It's no wonder so many people are moving away from the traditional banking world for good. They're all gonna be shocked when they have no customers whatsoever.
So true. DeFi is slowly but surely gaining market share - 9+% yields vs 0.2% yields. The Voyager app and Celsius Network are a great starting point.
This is exactly how thieves in white collars robbed people of Swiss franc loans in Poland so far we are waiting for court rulings that are ongoing and they do not want to admit that they openly broke banking law on currency spreads and abusive agreements. Banks pretend nothing happened all the time.
I spent some time in a skyscraper of a bank. I couldn't figure out which floor actually did anything relating to being a traditional bank. The waste alone was staggering.
Lesson learned: Stay away from cold banking jurisdictions. Here in Seoul, Korea, you'll get VIP service at any bank, regardless of your nationality. Culture makes a big difference.
I am a retired EU citizen in Panamá. 1.1/2 hours to open an account with all required paper work.
If I may, in my humble view, this has proven over and over again to be a non-viable model. Look at Bank of America, HSBC, Citibank... Premium service comes at a cost. A bank may invest to grow their consumer base, but in the long run no one can manage unprofitable customers. Unfortunately in the end this is a sellers market... Not everyone likes it, particularly since people earn their money working really hard, but this is the way it is...
Nobody is asking for premium service here. A streamlined online application which wastes no human time on both sides and keeps cheap customers at bay - would have solved the problem. The problem is that EU volumes do not justify investments into streamlined online apps. The US has its fare share of banking boutiques but they do not compete with banks for the unwashed masses.
What is the minimum deposit?
@@jasontoussaint6071 No min deposit, but you do need a Korean ID card to open an account.
That's classic European old guard. And within the institution they treat each other that way too- fairly mundane steps require formal request up the chain that may take hours or days to be approved. Everyone knows their place caste-style, owner \ c-suite refer to employees as servants, the only customers they value are those with kazillions and coat of arms surnames. This is classically why the vast Euro migration created the US- arriving emigres would most often say they left because they couldn't get ahead without the right surname and having to navigate such glacial & imperious bureaucracies.
These edgier videos of late are amazing. Appreciate you sharing your experiences.
their edgier bc he iz slowly learning that he iz a subject of tha global moorish empire and he owns absolutely nothing at all.
@@TheMasterStudent Ah, the Black Nobility? 🤓
Yes, i dealt with a Swiss bank briefly in the late 90's. The arrogance and condescension oozed from the "gentleman" i was speaking with. I am very very happy with the advent of cryptocurrency. It has largely eliminated my need to deal with foreign banks ever again.
I heard years ago that people in France sometimes took their banker out for an expensive diner. That sounded so strange to me, like they bestow a gift up on you by having you as a customer. In the Netherlands I never heard of that. But I guess nowadays the government is their main buddy and the compliance departments would like it best if there were no customers at all.
Andrew. I had a similar experience in Bulgaria. Zero customer service accompanied by open hostility. Though it is a beautiful country, the attitude of the staff in banks is appalling. Thank you for always sharing valuable tidbits of life overseas.
I can confirm people in the desk jobs are rather unfriendly and not willing to help. I was born there and lived a bit, even though I have never opened an account I do have horrible experience with renewing my passport and being taxed like crazy for an ID card that I didn't renew because I never needed it and I was away from the country for many years. My sister got issued her passport when she was 3 months old and then by the time we had to renew it again, she was 5 I think and they didn't wanna renew hers because apparently she was not the same kid. Well no shit she had the passport when she was 3 months old, kids grow. If you are gonna say you can't recognise the kid then make the passport for toddlers expire much sooner and then you will know its the same kid, but I think it was more just the person there being a bitch and trying ruin your day to make themselves feel better about their miserable life.
His acting of the upper class in Switzerland @11:58 😂😂 Nice one!!
Singapore has a failed banking system now, Westpac closed my account with 2 weeks notice to remove the money, I had banked with them for 30 years, they put a USD 1 million minimum balance. My personal manager was fired, she said that many employees were being fired, I had to fly to the other side of the world to open an account, I don't live in Singapore.
Terrible. Hope Andrew does a video about this. Maybe send him an email?
@@luv2travel2000 I hope he reads comments.
Barclays are now closing accounts if you haven't an UK address linked to the account.I was with them 20 yrs,they didn't care.
Brexit has changed everything.
@@alwayslearning7672 That is bad, I hope I don't have that problem where I am banking now, not a resident there, but need to bank in foreign currencies, that is not available here. The problems come from the dirty USSA government and their IRS.
@@grancito2 I've started using N26 for the time being and other such App fintech accounts.I'm pretty sure Andrew can advise.He got out!
Well, as a former Swiss banker, I can tell you that they will not be interested unless you deposit 100m CHF in securities or cash. Money makes them less difficult read exKing Juan Carlos no problems......................In Europe use online banks from the major banks, who can afford perfect computer system. Private banks are for people, who wants to be wined and dined at their own expense.:-)
That's exactly what my private swiss banker tells me haha!
This is very typical of Swiss banks, I have some stories of UBS that would shock you, the arrogance, incompetence and vindictiveness is hard to understand when you come from an Anglo-Saxon background. Unless you live there, better steer clear.
I have a friend who used to work at UBS (quite high up). He called it "P and I" short for "Politics and Incompetence"
UBS is the worst one...they just live off their name
How about doing a video on best non-US online banks. That would be very helpful.
Andrew, you would do great as an actor! 😁👍
I’ve never been comfortable with snobbery.
Cracked me up the comparison to converting to Judaism. 😂
Totally - so flippant in nature too.
@4:36, At every step I’m pushed away, like trying to convert to Judaism. Funny!
Good story... yes, they do act like that! Perfect showcase of nose-in-the-air, haughtiness 😂
I think it is very important to share the name of the bank. this will put the spotlight on the issue, which eventually allows the bank to solve its issue.
Stay away from Legacy Brand Countries!!! 😱😱😱😱😱😱
It’s professional to mention names because you’ll be helping us avoid land mines. Those legacy brands don’t deserve the anonymity you’re giving them.
You have to have between 250,000 and 500,000 to deposit. Do you?
@@billieford9683 Not true. A minimum of 25k for example, you piss of/turn off hundreds if not thousands of people, that's a millions in deposit and many multiple times that in loanable capital.
@@adamnixon5503 shows what you know, darling, of a top tier Swiss bank.
He's doing the research for his clients. He doesn't want to publicly mention the company names.
Pay for his service if you want the real info. He is saying that specific name is not for free
I like your comments but let me tell you I had great relations with swiss banks BUT I did it personally- okay I do speak German and French- Switzerland is a small country and they like to do it down to earth. But you are right in your case the "fees" are disgusting!
I speak standard German, but Schweizerdeutsch(Swiss German) is just a language from a completely different planet 😅
@@walterhighwood3209 high german is an official language in switzerland, they ARE fluent in it the second you show up. :D
@@rivenoak we hate high german...
@@tinolino58 Ihr seid einfach nur neidisch
@@litaf918 schluchz 😪
US Legacy brand banks behave just as bad as European legacy brand banks. Chase, BoA, WellsFargo quickly come to mind.
That's what I hate about the internet. I like old school phone calls. You can't ring peoples neck physically, but you have a better shot at ringing it mentally:)
I absolutely agree with you, European banks are in general horrible, i lived in UAE there it felt like heaven and i was a real pleasure dealing with banks, fast response fast and in general very good services. Then moved to sweden... OMG that was a real pain when trying to do anything related to banking and god forbid if you think about some transaction from another non EU country ... you are treated immediately as if you are a money laundering machine that is planning to destroy there Scandinavian banking paradise ... eventually my friends who where planning to invest in real estate just ran a way without looking back ... i had a final talk with them and the sentence was the following:
time is money, we lose opportunity with each wasted day, the world is full of bussiness and investment opportunities and Sweden is not a part of this fast movement.
You feel that the Swedish money system wants to self digest and reproduce over and over ... anyway it's a long topic
You were hilarious while explaining this. Love your channel. All the best to you and Mrs. H.
thanks for sharing your experience. I am having a sim9ilar experience with BCR bank in Costa Rika. They are asking me for the source if funds and it takes weeks to clear a $100 deposit.
Sounds like a nightmare 🤯
Thank you for disclosing this.
Yup, premium banking here in Czech works fine, with some nice goodies they give (airport lounge, nice bank cards, free tickets,...). I do hear that things could be tricky for US citizens though...
Are you sure you weren’t dealing with a Timeshare company...? 😂😂
I think Andrew should start his own bank. Most of us would probably want to open an account there.
I have only good things to say about Citibank Singapore as an overseas client. Helpful, straightforward, responsive, practical service. Excellent online banking. That's all I want and they deliver.
Did you have to physically visit their office in Singapore for account opening, or did they accommodate remote application/opening?
@@MarkRobert-BKK It was all done remotely, from Thailand.
@@GapBahnDirk Cool! I live in Bangkok, but used to bank with Citibank when I lived in Singapore 15 years ago (unfortunately I closed my account when I moved to Bangkok). I note they have been advertising quite a bit lately for new offshore clients. I might therefore respond to the advert to get the ball rolling. (If they have a 'member-get-member' promo perhaps you could refer me to your contact there).
@@MarkRobert-BKK They do, but never mind. Thanks anyway and all the best....
@@GapBahnDirk That's great to know. Thanks for sharing your experience.
Great vid. I have zero tolerance for this arrogant BS mistreatment by corporations of any type. Life is WAY too short!
You don't want to bank wihere a 6th generation trust fund kid works. You want to bank where the first of a 6 generation trust fund goes.
yessssssss
Customer service is in the toilet in these legacy countries, no wonder business and finance is moving offshore to people who value business.
I love your animated description of your banking experience. I just went through a very similar experience with my HOA! I still get to pay my HOA every month for their rudeness and lack of service. Thanks for giving me a laugh along with where not to go for banking.
Andrew, the world is always behind on leaders who are cutting edge. I do appreciate your personal interest in how things work, so don't give up the ship:)
Andrew, if US Senator Warren gets her idea enacted, requiring banks to report some account activity, will that cause more foreign banks to shun US clients? Search 1099NEW for the proposed reporting.
Every bank in Europe has clause which you have to sign that you swear that you are not US citizen and I think that even tough you have renounced your American citizenship the banks are still scared to open an account for you.
When Andrew does his Trump impressions 😂
Oh no, don't disgrace Andrew with the orang clown 45! Have some class ..😉🥃
I feel I must comment and defend Georgia, in the United States. Lots of international people working there, ok growth for decades, there's money there, etc. What does this European snob know about anything? I love the channel, and have always wanted to live around the world. But the one line that when crossed really peeves me off is when some clerk from nowhere bases their impression of the US based on some low-budget comedy skit or Borat. If you want to criticize America, there's too much to pick, but at least make it based in reality. I can go on about how much I hate Georgia quite frankly. You can never stop me if you get me started. But none of it is for the cartoon reasons this little clerk thinks. That's too uneducated to do business with.
Also, I bet they treat the ayatollah much better.
The first thing I do each morning is watch Andrew Henderson. Along with great advice, he makes me chuckle.
This is the most American episode. Even without a passport and citizenship. Once an American, always an American. All people are equal as long as they are customers with $$$.
They didn't want your business. It's human nature. The more you tolerate bad behavior from anyone, the more disrespectful they will treat you. You wouldn't tolerate it from a client. You would know the client wasn't serious.
To all just to make clear that Being Rich has nothing to do if you are wearing a Suite or not, Everybody should be treated with respect and always be treated as a good intentioned person before proofen to be other than that, this also goes to Banks and Goverment. Not all people who would like to invest in a new country are criminals. - My Opinion-- And as always great Content Andrew.. Thanks and greetings from ............
Well said 👍
@@fivegkills6111 Thank you for your comment
Well said.
Ha! This video made my morning. I had a similar issue yesterday. No names or details given, but I can definitely relate to Andrew.
I went to the Caixa Bank in Spain 12 times and could never open my bank account. I'm a legal resident of Spain.
I’m sorry you had such a bad experience and it sounded like quite a nightmare. I’m going back about 15 years, but I actually had a very positive experience with one of the legacy Swiss banks. Maybe I was just lucky and it was before the financial crisis so perhaps things have changed dramatically since then. Anyway, good on you though for not letting them push you around!
14 seconds in you say the word Legacy. I stop, don't need to hear anymore. The EU, Christine
Not unimaginable in Switzerland but not the norm. More of German likeness. Switzerland -correctly said is- is filled with non-Swiss EU expats who often think they are higher beings because they have “arrived.” One thing common is inability to think out of box. However most Swiss banks are quite helpful and speed and efficiency remarkable. But, if you smell like an American... well, being American is not what it once was.
I can open a Swiss bank account for you if you want. I know how to talk to them and how to make them work for you.
LOOOL! Andrew is starting to do that thing on his YT videos where you pull ridiculous faces on the thumbnail to get people’s attention. Seems it actually works 🤣
He's been doing that for a while.
You have to understand Andrew the macro political and economic environment happening today in the banking systems that are in the end controlled by the Washington- EU cartel. Those defines the rules of the game. If those rules work for you fine. If not you really do need to find other jurisdictions outside of their control. For me Switzerland works extremely well. But my needs are likely to be different from yours. You are treated in Europe according to each banks and each jurisdictions risk- reward analysis. I don't believe that you understand THEIR risks. The higher they perceive that to be the greater reward they are going to need to accept you as a client.
Fiat Banking is over..
Comparing opening a Lichtenstein bank account to trying to convert to Judaism! Legend! 😁 😆
Sorry this happened to you I have never had a problem Swiss don't like extra questions. Account with a Swiss management is a good deal . I feel that realise who you where The Nomad Capital King. This triggered the action's that you had . Yes Switzerland is expensive they charge for all actions I once got charged 60chf for answering an Email. Remember one thing Swiss cheese isn't solid, it has holes in it!
Andrew, they weren't being nasty, you're just not put enough funds into their coffers for them to care. That's how it works. When I get to Liechtenstein I get the chauffeur, the investment team, dinning with my manager... and that's probably the same bank that treated you so poorly.
Me too.
The logic of your statement is breathtakingly bad. If you don't care about your customer, i.e. the person who is paying you money(in Andrew's case €1000's) then don't take them on as a customer and by extension don't take their money. You don't get to take their money and then treat them like you're doing them a favour. If the minimum is not in fact the minimum, then raise your minimum amount to open an account. And the notion that your treat someone like dirt because they're not your highest paying customer is morally horrible and economically stupid. It's also why 14/20 of the nations of the world by GDP are now outside of the mainland Europe.
@@adamnixon5503 "If the minimum is not in fact the minimum, then raise your minimum amount to open an account." perhaps they should. but it also says: " move along, you are to poor to get us interested" lot of people would not stomach such honesty. :p
Adam Nixon said everything I could want to say. Your logic is awful.
@@adamnixon5503 - This right here! Adam, you're a GOD!
Why you need a bank account? Banks are finished . . .
Thank you Andrew for sharing. Interestingly, as a Swiss citizen and living abroad for more than a decade, I have been receiving the exact same treatment and disrespect from Swiss banks. I was kicked out from one of my bank as my profile was alledgedly too risky for them (although I am just a small fish in the great scheme of things. Very ironical to talk about risk when I see scandals piling up - Greensill, etc - which clearly shows that we don’t share the same definition of risk). I am now going where I am treated best, and this Singapore in my personal case!
Sounds like trying to do business in France.
😂😂🤦♀️100% horrible experience indeed. I'm currently trying to close my CreditAgricole account.. they are sooooo dumb n sneaky..
Nomad there are few things you don’t know about Swiss banks. I am from Poland. Swiss banks have strict instructions to reject any American as a client. You had to speak to polish bank clerk because you said that you are from Georgia.Polish clerk was instructed by the manager to get rid of you because you are originally from USA. Obviously it was unprofessional that she was rude to you.I am sure it was not her decision but bank’s decision.Youe acquired Georgian citizenship didn’t matter for the bank.
Your Trump impersonations are gold
?
@@adamnixon5503 see the Slovakia comment
Amazing. Thank you for sharing. Quality customer service is so important.
Banks in the USA aren't much better.... I think this is a new trend to treat your customers as pitiful as ever....
“Now I’m the Nomad Capitalist.” Lol.
Thanks for reminding me to close my old UBS account
I find these quite educational, even just how you think through simple decisions, practical and intelligent material. Gracias.
I am not rich but got a little bit of inheratance and what i would normally do with it is buy gold but, i live in italy right now. can you please please help us and tell us what bank to put it in? i have no good feeling about the us money and it being safe their. i want it out now. do you think an italian bank in euro is safe? also do you know near by where i could buy gold like croatia or somewhere close. we want to go now. thanks
They didn't reply. Soon money will be a whole new thing. A wealthy gentleman once told me, those with real wealth pay very little or no taxes and do not hold bank accounts with large balances. I said that is very interesting. He laughed and said when you give a bank your money it's no longer yours, it's theirs to do as they please even if they have to lock you out. FDIC insured in the US is a joke in a hell situation. We are all in for a rough time ahead. Bucket up...The past couple years was nothing.
Thanks for sharing! Glad that banks in HK, Singapore, and many south east Asian countries delivers much better service!
I just love watching your videos to see how the other side lives. I'm upper middle income, and perhaps with some of the insights you provide, I will increase my station. Thanks. Looking forward to reading your book Also, we have the same last name. Perhaps we're related. ;)
I heard similar or worse experience with CBH bank in Geneva .....
As a Jew and someone who banks internationally I can confirm, most Swiss banks are hot trash and should be avoided at all cost.
As a jew, what would you recommend internationally
@@Claxiux Singapore banks are good as long as you can maintain an account balance. Hong Kong accounts are fine too. Jersey could be worth it too.
@@V0YAG3R While you can make such statements. Beijing's new actions in Hong Kong barely means a thing for money in Hong Kong banks. Even Andrew would testify to that. Unless you have beef with the Chinese government, which nomads who follow Andrew's principles do not, not one thing can happen to you.
@@harisadu8998 All is good for expats in China as long as they don't talk about Chinese politics.
@@fivegkills6111 Remember, we are talking about Hong Kong, which is part of China but a different jurisdiction, especially from a banking point of view.
OK u don't mention it live but you might wirte the names so we can avoid them :)
Skip the country, the experience will probably be the same in every bank over there
@@rubensnogueira5838 Not necessarily. That would punish a bank that specifically tries to offer a better service than Andrew received based on many experiences like that. I've made that mistake before i.e. screw that country, when in reality it was one bad experience with one particular bank.
What a horror story!! Meanwhile down on the ground many companies have simply removed all customer service for us peons. My most recent no customer service experiences were with Paypal, Xoom, Moneygram and Premier Inn in Scotand.
Nomad is the man!!!!
Thank you for the report . It seems their is too much money in the world .
The “costs” (time and fees) of banking abroad are part of the unintended consequences of working and living in countries with little or no taxes.
Great video! The biggest and most important challenge of making big decisions is not knowing what you don’t know. That is, there are things that we would not even know to even ask the right questions.
Your videos greatly help create and manage realistic expectations.
Thanks for sharing your experience.
I hope not all banks in those 2 countries are like the ones that you referred to.
No not all Banks are like that, also please keep in mind that an employee is not the Bank, often these positions are abused not always acting as the Bank CEOs and Owners wish their clients are to be treated as. In my opinion often a make or break situation regarding to whom you talk to at the Bank...
@@BC-up8nc Thanks for your comment
That was terrible customer service. People may find this strange but the credit unions seem to offer the same service and their attitudes are friendlier. At least you can buy some shares in where you bank your money and it gives you much more leverage. Just last week at my credit union I signed up for online banking and it only took me 10 minutes at the credit union to fill out one sheet of paperwork and for copies of my id to be made and for my online account to be set up by IT. I went home and I completed the process which may not have taken longer than 5 minutes.
3:50 Trump moment lol
Thank you for sharing... Case in point...why you will only put in the minimum. Wow...listening to this... I'm pissed on your behalf...just saying...
Poor customer service is no longer an option. There are too many competitors that want your business. There are many private bankers that deliver concierge bespoke service.
From what I understand from this, the banking system in my country is surprisingly far more advanced than European ones. lol
Can you please make a video for countries that respect the international human rights act and your medical freedoms and choices? Thank you
Lol here's one subscriber from Slovakia never opened a bank account there but I get that to non-eu people think we're all Polish in Eastern parts 🥲
It seems to me that you have tried to use a "private bank" as if it were a "usual commercial bank".
Private bank is for high, high, high wealthy investors and not for the common ones.
Same everywhere. If you had usd 6 billion to invest you go to Goldman Sachs or Morgan Stanley. But you don't go to WellsFargo or your local bank. Same in Switzerland. If you want a normal bank service you go to Postfinance, Raiffeissen or your regional Kantonalbank. But if you have many millions you go to Lombard Odier, Julius Baer or Vontobel as examples.
If you need to get to your ranch through bumpy and tough roads you don't use a Ferrari right?
I've used public banks in the UK, France, Germany and Belgium without any major problems and very little minor problems. It's just a matter of making good choices.
I never understand why someone is afraid to tell a name of in this case, the bank witch was problematic.
Can you recommend good bank in Budapest for local and foreign currency? I’m moving June 16
Same in Germany. You visit a bank and it feels like you are doing a favour to them. You walkin a bank in India , you are treated like a king. They even pay you intrest . lol
Sadly! This is a typical germanic attitude
You are absolutely right about opening foreign bank accounts. We are Americans who opened bank accounts in the U.K. and Spain successfully, but it was a wild ride!
Andrew thanks for sharing your experience 🙏🏼
Banks are like the djungle drums compared to the mobile phone of crypto, get a Dash account today, no questions asked, no permission required, no fees, no snarkiness.
When someone [institution] treats you like shit - call them out - name their names - trash them. Example: Coinbase is for SHIT.
I never knew converting to Judaism was that hard. 😂
What's your banks in Mexico ???
I believe it's "Ola Bitchez" savings and trust.
As a Swiss I can tell you the banks here are a pain in the ass. No service, super expensive, a waist of time. The Russian Oligarchs are all gone, probably some who leave in UA are still with them. The fees are huge compared to the service, you find nearly anywhere better and for sure cheaper banks. Probably the only what makes sense is the safes at the precious metal dealers to store gold etc. The rest is for a person from abroad not competitive any more (that since about 8-10years, but it worsens a lot the last 5years). Especially for the older generation who still know how easy business was before. And a lot of that older generation (staff) make the USA and all English speaking persons responsible for that, they just not want work for them and they only wait on the chance to retaliate.
That is an interesting perspective. I'm not widely traveled in Europe, but Andrew's experience reminded of my experiences during a visit in Paris some years back. Some Parisians seem to be nursing an old grievance which they try to conceal behind poor manners and a generally haughty attitude. What their grievance might be, I do not know.
This is most people’s fear of foroegn banking
I like Irish banks and, believe it or not, Italian banks. Quite down to earth. UK banks are bad. French banks are worse. American banks weren't too bad but that is changing for non US citizens/residents.
Well I’m going to Mexico first and then Thailand is a possibility further down the road. I’m nervous about putting money in banks in both places 😓