Providers · Business & Personal accounts
ikigii (Towerbank)
2 plans in our database · licensed as BANK, TRUST · pricing in USD
Data last verified: 22 August 2026
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Plans & fees
| Plan | Type | Monthly fee | Setup | FX fee | SWIFT out |
|---|---|---|---|---|---|
| Cuenta Crypto-Friendly (Persona Juridica) | business | Free | Free | n/a | $20 + 0.125% |
| Cuenta Crypto-Friendly (Persona Natural) | personal | Free | Free | n/a | $20 + 0.125% |
* Some FX rates are “from” or “up to”. ⚠ “from” = starting price (variable pricing) - the final fee depends on your profile. “Bespoke” = custom pricing on request. Compare across providers on the fee tables.
What you get
Getting in, and what you get
Pays up to 4% on USD balances. From $1,000.
Offers term loans, up to $250,000.
Regulation
Regulated or registered in Panama.
Regulators: Superintendencia de Bancos de Panamá
In the fine print
Conditions from ikigii (Towerbank)'s own terms, pricing pages and acceptable-use policy that don't fit in a table. Read in full and checked by hand.
Pricing
- Opening the account requires a minimum deposit of USD 100.00, or the equivalent in USDT, USDC, BTC or ETH. It is a deposit and stays your money, not a fee.
- The fee schedule states that no average balance applies, so there is nothing to keep in the account after opening.
- Business onlyOpening the company account requires a minimum deposit of USD 1,000.00, or the equivalent in USDT, USDC, BTC or ETH, ten times the minimum for the personal account. It is a deposit and stays your money, not a fee.
Limits
- No transaction limits are published. According to the FAQ the limit depends on the financial profile the bank assigns you, based on the income you declare in your application and the amount of your crypto investments.
Payments & transfers
- Incoming transfers arrive through correspondent banks: US dollars via Wells Fargo, Citibank NA and JP Morgan in New York, euros via Citibank London and Banco de Sabadell in Spain.
- The Spanish IBAN at Banco de Sabadell is to be used only to send and receive funds from banks in Spain. It is a routing condition of that correspondent, not a restriction on the countries the bank deals with.
Cards
- The downloads page advertises a debit and credit card for global use, but the published fee schedule of June 2025 prices only the debit card and has no entry for a credit card.
Crypto
- Direct exchanges between users (P2P) are not offered at the moment.
- Crypto is not held by the bank itself: custody sits with Towertrust, Inc., a subsidiary of the same group holding its own fiduciary licence from Panama's banking regulator.
- XRP appears on the downloads page marked as coming soon, so it is not among the coins you can use today.
Opening an account
- The bank states that neither nationality nor place of residence stands in the way of holding the account: "Sin importar tu nacionalidad o lugar de residencia, puedes tener ikigii".
- The site publishes several different country lists at the same time, in the FAQ, on the downloads page and in the home banner, and they do not agree with each other. None of them is a condition for opening: from a country that is not listed, ikigii can be downloaded by invitation.
Licence & regulation
- All products and services are offered from Panama and are subject to Panamanian law.
Will ikigii (Towerbank) actually accept you?
Acceptance depends on where your company is registered, where its owners live, where your money flows - and your sector. The wizard checks ikigii (Towerbank)'s published rules on all of them, and shows you the alternatives too.
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