Orion 09by Capital & Control
Indexes/Banking

Banking Access Index

How easily a new resident can open, hold and move money — onboarding, multi-currency access and correspondent standing.

Median
45
Mean
49
Top decile from
80
Highest
95

What this index measures

Moderate · scored 0–100

  1. 01

    Account opening for new residents

  2. 02

    Multi-currency and international transfer capability

  3. 03

    Correspondent banking standing

Banking is where a lot of paper plans die. Several high-tax jurisdictions score at the top here precisely because they are unremarkable.

How the score is weighted

Each input is normalised to 0–100 across all 209 jurisdictions, then combined at the weights below. Weights sum to 100 and are held constant across every jurisdiction in an edition, so scores stay comparable.

Moderate in the composite

WeightingPublished
  • Account opening for new residents35% of the score

    Documentation burden and rejection rates.

  • Multi-currency and transfers25% of the score

    Holding and moving foreign currency.

  • Correspondent standing25% of the score

    AML status and international clearing access.

  • Digital and service quality15% of the score

    Remote onboarding and day-to-day usability.

Who leads it

The ten highest scores on this signal, with their overall standing beside them — the gap between the two columns is the trade-off.

  1. 01
    Switzerland
    Europe
    95ovr 77
  2. 02
    Guernsey
    Europe
    92ovr 51
  3. 03
    Jersey
    Europe
    92ovr 51
  4. 04
    Liechtenstein
    Europe
    92ovr 49
  5. 05
    Luxembourg
    Europe
    90ovr 60
  6. 06
    Singapore
    Asia
    90ovr 53
  7. 07
    Isle of Man
    Europe
    90ovr 51
  8. 08
    Monaco
    Europe
    88ovr 53
  9. 09
    Norway
    Europe
    85ovr 64
  10. 10
    Denmark
    Europe
    85ovr 63

How regions compare

Average score per region against its best case. A wide gap means the region is worth searching; a narrow one means the whole region behaves the same way.

  • Europe
    68 / 95
  • Americas
    52 / 85
  • Asia
    47 / 90
  • Middle East
    47 / 78
  • Oceania
    40 / 85
  • Africa
    33 / 62

Full ranking

Continent209 shown
Sort byBanking
Banking · highest first
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#JurisdictionRegionBankingOrion Index Score
001SwitzerlandEurope
95
77100% rated
002GuernseyEurope
92
5187% rated
003JerseyEurope
92
5187% rated
004LiechtensteinEurope
92
4973% rated
005LuxembourgEurope
90
6089% rated
006SingaporeAsia
90
5373% rated
007Isle of ManEurope
90
5187% rated
008MonacoEurope
88
5373% rated
009NorwayEurope
85
6495% rated
010DenmarkEurope
85
6395% rated
011Cayman IslandsAmericas
85
6092% rated
012GibraltarEurope
85
5487% rated
013AustraliaOceania
85
4973% rated
014United KingdomEurope
85
4373% rated
015NetherlandsEurope
82
6595% rated
016SwedenEurope
82
6395% rated
017BermudaAmericas
82
5792% rated
018New ZealandOceania
82
5073% rated
019CanadaAmericas
82
4773% rated
020FinlandEurope
80
69100% rated
021IrelandEurope
80
6695% rated
022USAAmericas
80
3973% rated
023GermanyEurope
78
6695% rated
024AustriaEurope
78
6595% rated
025EstoniaEurope
78
6281% rated
026British Virgin IslandsAmericas
78
5487% rated
027IsraelMiddle East
78
4673% rated
028IcelandEurope
75
4973% rated
029JapanAsia
75
4573% rated
030BelgiumEurope
75
4473% rated
031AndorraEurope
72
6281% rated
032GeorgiaEurope
72
5373% rated
033TaiwanAsia
72
4873% rated
034South KoreaAsia
72
4673% rated
035FranceEurope
72
4573% rated
036Hong KongAsia
72
4573% rated
037PortugalEurope
70
6081% rated
038Czech RepublicEurope
70
4773% rated
039San MarinoEurope
68
5373% rated
040BahamasAmericas
68
5373% rated
041QatarMiddle East
68
5194% rated
042LatviaEurope
68
5073% rated
043SpainEurope
68
5073% rated
044LithuaniaEurope
68
5073% rated
045UAEMiddle East
68
5094% rated
046SloveniaEurope
68
4773% rated
047MacauAsia
68
4673% rated
048CyprusEurope
65
5978% rated
049PanamaAmericas
65
5173% rated
050PolandEurope
65
4673% rated
051SlovakiaEurope
65
4673% rated
052Antigua and BarbudaAmericas
62
5373% rated
053BruneiAsia
62
5073% rated
054BahrainMiddle East
62
5092% rated
055Saudi ArabiaMiddle East
62
4995% rated
056MauritiusAfrica
62
4773% rated
057BarbadosAmericas
62
4673% rated
058ChileAmericas
62
4673% rated
059MaltaEurope
60
5173% rated
060ItalyEurope
60
4673% rated
061HungaryEurope
60
4473% rated
062St Kitts and NevisAmericas
58
5473% rated
063MalaysiaAsia
58
5073% rated
064CroatiaEurope
58
4873% rated
065OmanMiddle East
58
4887% rated
066UruguayAmericas
58
4773% rated
067KuwaitMiddle East
58
4792% rated
068South AfricaAfrica
58
4273% rated
069GrenadaAmericas
55
5373% rated
070St LuciaAmericas
55
5373% rated
071BulgariaEurope
55
5173% rated
072ParaguayAmericas
55
4973% rated
073GreeceEurope
55
4773% rated
074RomaniaEurope
55
4773% rated
075SeychellesAfrica
55
4573% rated
076ChinaAsia
55
3673% rated
077DominicaAmericas
52
5373% rated
078MontenegroEurope
52
5373% rated
079SerbiaEurope
52
4873% rated
080ThailandAsia
52
4673% rated
081KazakhstanAsia
52
4573% rated
082BrazilAmericas
52
4373% rated
083ArmeniaAsia
52
4273% rated
084BotswanaAfrica
52
4273% rated
085NamibiaAfrica
52
4173% rated
086JordanMiddle East
52
3973% rated
087Costa RicaAmericas
50
4973% rated
088Vatican CityEurope
50
4773% rated
089MexicoAmericas
50
4673% rated
090MaldivesAsia
48
4873% rated
091AlbaniaEurope
48
4573% rated
092TurkeyAsia
48
4573% rated
093North MacedoniaEurope
48
4573% rated
094IndonesiaAsia
48
4373% rated
095MoroccoAfrica
48
4373% rated
096TunisiaAfrica
48
4373% rated
097BelizeAmericas
48
4273% rated
098St Vincent & GrenadinesAmericas
48
4273% rated
099GhanaAfrica
48
4273% rated
100IndiaAsia
48
4273% rated
101PeruAmericas
48
4273% rated
102Trinidad and TobagoAmericas
48
3973% rated
103AzerbaijanAsia
48
3973% rated
104ColombiaAmericas
45
4773% rated
105VietnamAsia
45
4373% rated
106FijiOceania
45
4273% rated
107Dominican RepublicAmericas
45
4173% rated
108JamaicaAmericas
45
3973% rated
109RussiaEurope
45
3973% rated
110KenyaAfrica
45
3973% rated
111VanuatuOceania
42
5073% rated
112Cape VerdeAfrica
42
4473% rated
113ArgentinaAmericas
42
4373% rated
114Bosnia and HerzegovinaEurope
42
4373% rated
115Cook IslandsOceania
42
4273% rated
116EcuadorAmericas
42
4173% rated
117MoldovaEurope
42
4173% rated
118BelarusEurope
42
4073% rated
119RwandaAfrica
42
4073% rated
120SenegalAfrica
42
4073% rated
121Sri LankaAsia
42
4073% rated
122PhilippinesAsia
42
3973% rated
123GuatemalaAmericas
42
3973% rated
124El SalvadorAmericas
42
3873% rated
125EgyptAfrica
42
3773% rated
126MongoliaAsia
42
3773% rated
127AlgeriaAfrica
42
3573% rated
128SamoaOceania
38
4073% rated
129TongaOceania
38
4073% rated
130BhutanAsia
38
3973% rated
131CambodiaAsia
38
3973% rated
132TanzaniaAfrica
38
3973% rated
133BoliviaAmericas
38
3873% rated
134GuyanaAmericas
38
3773% rated
135NicaraguaAmericas
38
3773% rated
136UzbekistanAsia
38
3773% rated
137Ivory CoastAfrica
38
3773% rated
138KyrgyzstanAsia
38
3773% rated
139ZambiaAfrica
38
3773% rated
140HondurasAmericas
38
3673% rated
141UgandaAfrica
38
3673% rated
142GabonAfrica
38
3573% rated
143PakistanAsia
38
3473% rated
144UkraineEurope
38
3473% rated
145KosovoEurope
35
3973% rated
146NiueOceania
35
3973% rated
147NepalAsia
35
3773% rated
148SurinameAmericas
35
3773% rated
149LaosAsia
35
3773% rated
150BangladeshAsia
35
3573% rated
151EswatiniAfrica
35
3573% rated
152NigeriaAfrica
35
3473% rated
153LebanonMiddle East
35
3373% rated
154PalauOceania
32
3973% rated
155GambiaAfrica
32
3773% rated
156MadagascarAfrica
32
3773% rated
157MalawiAfrica
32
3773% rated
158BeninAfrica
32
3673% rated
159Solomon IslandsOceania
32
3673% rated
160DjiboutiAfrica
32
3573% rated
161MozambiqueAfrica
32
3573% rated
162CameroonAfrica
32
3473% rated
163LesothoAfrica
32
3473% rated
164TajikistanAsia
32
3473% rated
165AngolaAfrica
32
3473% rated
166Papua New GuineaOceania
32
3473% rated
167EthiopiaAfrica
32
3373% rated
168TurkmenistanAsia
32
3273% rated
169Marshall IslandsOceania
30
3873% rated
170MicronesiaOceania
30
3773% rated
171CubaAmericas
28
3873% rated
172Sao Tome & PrincipeAfrica
28
3773% rated
173Timor-LesteAsia
28
3773% rated
174TuvaluOceania
28
3773% rated
175KiribatiOceania
28
3673% rated
176NauruOceania
28
3673% rated
177ComorosAfrica
28
3573% rated
178Sierra LeoneAfrica
28
3573% rated
179TogoAfrica
28
3573% rated
180LiberiaAfrica
28
3473% rated
181ZimbabweAfrica
28
3473% rated
182GuineaAfrica
28
3373% rated
183MauritaniaAfrica
28
3373% rated
184CongoAfrica
28
3273% rated
185Burkina FasoAfrica
28
3173% rated
186IranMiddle East
28
2973% rated
187IraqMiddle East
28
2773% rated
188BurundiAfrica
25
3273% rated
189Equatorial GuineaAfrica
25
3173% rated
190MaliAfrica
25
3073% rated
191NigerAfrica
25
2973% rated
192MyanmarAsia
25
2873% rated
193PalestineMiddle East
25
2673% rated
194Guinea-BissauAfrica
22
3273% rated
195VenezuelaAmericas
22
2973% rated
196ChadAfrica
22
2873% rated
197DR CongoAfrica
22
2873% rated
198HaitiAmericas
22
2773% rated
199LibyaAfrica
22
2473% rated
200SyriaMiddle East
20
2473% rated
201SudanAfrica
20
2373% rated
202EritreaAfrica
18
2873% rated
203Central African RepublicAfrica
18
2673% rated
204Western SaharaAfrica
18
2673% rated
205YemenMiddle East
18
2373% rated
206South SudanAfrica
15
2373% rated
207AfghanistanAsia
15
2373% rated
208SomaliaAfrica
12
2373% rated
209North KoreaAsia
10
2673% rated
At the other end

The five lowest scores on this signal: North Korea (10), Somalia (12), Afghanistan (15), South Sudan (15), Yemen (18). A weak score here is not disqualifying on its own — read it against the composite.

Where this comes from

Each input is normalised to a 0–100 scale and weighted into the score above. We cite the underlying publication rather than the aggregator wherever one exists.

Edition 2026.1 · reviewed quarterly

  1. 01Global Findex Database
    World Bank

    Account ownership and access to formal banking.

  2. 02Financial Access Survey
    IMF

    Branch, correspondent and cross-border banking depth.

  3. 03AML/CFT mutual evaluations and monitored jurisdictions
    FATF

    Onboarding friction and correspondent banking standing.

Read next

Orion Index Score
Composite

The weighted composite of thirteen factors across four groups — financial, mobility & access, human development & services, and safety & livability. It answers one question: on balance, how well does this jurisdiction serve someone who can choose where to live and where to hold capital?

Tax Burden Index
Heaviest weight

Effective personal tax exposure for a mobile earner — headline income tax, plus how the jurisdiction treats foreign income, capital gains and wealth.

Cost of Living Index
Moderate

What a comparable standard of living costs on the ground — housing, schooling, services and the everyday basket.

Safety Index
High

Personal and civil safety — violent crime, property crime, and the risk of disorder or conflict spilling into daily life.

Healthcare Index
High

Quality, access and cost of care for a resident who is paying privately or through a local scheme.

Passport Strength Index
Moderate

What the travel document is worth — visa-free reach, treaty position, and whether citizenship is realistically attainable.

209 jurisdictions · Edition 2026.1 · scores are informational, not tax advice