Question 1

What is All Capital Bank & Trust?

Accepted Answer

All Capital Bank & Trust is an offshore bank operating in the Commonwealth of Dominica. Established as a full-service financial institution, the bank provides personalized banking services to both individual and business clients, with a focus on retail and commercial banking.

As a licensed offshore bank regulated by Dominica's Financial Services Unit (FSU), All Capital Bank & Trust holds a Class A banking license under the Offshore Banking Act of 1996/1997. The bank emphasizes personalized customer service and positions itself as a modern financial solutions provider serving small and medium-sized companies in the region.

Question 2

When was All Capital Bank & Trust founded?

Accepted Answer

All Capital Bank & Trust Ltd was founded in November 2009. The bank was established on the premise that personalized, local attention and service is essential to what individuals and businesses need from their banking partners.

From its inception, the institution was built on strong pillars of care and service, aiming to differentiate itself in the banking market through exceptional customer attention. The founders created the bank specifically to meet the needs of clients who demand extraordinary personal service beyond standard deposits, loans, and statements.

Question 3

Where is All Capital Bank & Trust headquartered?

Accepted Answer

All Capital Bank & Trust is headquartered in Roseau, Dominica. The bank's main office is located on the ground floor of the Financial Centre on Kennedy Avenue in Roseau.

The bank operates with the SWIFT/BIC code CMWBDMDMXXX, which is used for international wire transfers and payments.

Question 4

Where does All Capital Bank & Trust operate?

Accepted Answer

All Capital Bank & Trust operates primarily in Dominica, with its branch location in Roseau, the capital city. As an offshore banking institution, the bank is licensed to conduct global offshore banking business, serving international clients while maintaining its physical presence in Dominica.

The bank focuses on providing services to clients within the Caribbean region, particularly targeting small and medium-sized businesses in CARICOM countries, though it can serve international customers under its offshore banking license.

Question 5

What services does All Capital Bank & Trust offer?

Accepted Answer

All Capital Bank & Trust offers a comprehensive range of banking services for both retail and commercial clients:

Personal Banking Services:
• Personal savings and deposit accounts
• Investment services and wealth management
• Online banking platform (All Capital Online)
• Real-time account monitoring and notifications
• Payment and transfer services

Business Banking Services:
• Business checking accounts with multiple tier options
• Commercial savings and money market accounts
• Business loans and credit facilities
• Business credit cards
• Merchant services and payment processing
• Direct deposit services
• Night deposit services

Digital Banking Services:
• Free online banking platform
• Free bill pay services
• Real-time account alerts and cash flow visibility
• Electronic statements (eStatements)
• Funds transfer capabilities
• Balance inquiry and transaction monitoring

Additional Services:
• Safety deposit boxes
• Notary services
• International wire transfers via SWIFT

Question 6

What makes All Capital Bank & Trust unique?

Accepted Answer

All Capital Bank & Trust distinguishes itself through several key features:

Personalized Service Focus: The bank was specifically created to provide extraordinary personal service that goes beyond typical banking transactions. Every client relationship is built on understanding individual needs, concerns, and aspirations.

Offshore Banking Structure: As a Class A offshore bank licensed in Dominica, the institution offers international banking services with the privacy protections and regulatory framework specific to the jurisdiction.

Regional SME Specialization: The bank has positioned itself to specifically serve small and medium-sized companies in the Caribbean region, understanding the unique challenges and opportunities these businesses face.

Ethical Standards: The institution emphasizes conducting business with the highest ethical standards, empowering staff to make decisions that deliver quality and value for customers while maintaining speed and flexibility.

Modern Technology Platform: Despite its boutique approach, the bank offers full-stack online banking capabilities with real-time monitoring, cash flow visibility, and comprehensive digital services.

Question 7

What type of financial institution is All Capital Bank & Trust?

Accepted Answer

All Capital Bank & Trust is an Offshore Bank holding a Class A banking license under Dominica's Offshore Banking Act. In the Caribbean offshore banking framework, Class A licenses represent full banking licenses equivalent to the highest tier of authorization.

The bank operates as a Universal Bank in practice, offering both retail banking services to individual consumers and commercial banking services to businesses. Under Dominica's regulatory structure, offshore banks are supervised by the Financial Services Unit (FSU) rather than the traditional central bank that oversees domestic commercial banks.

As an offshore institution, the bank is authorized to conduct global banking business while benefiting from Dominica's favorable tax treatment for foreign-source income, though it must comply with international anti-money laundering standards and customer due diligence requirements enforced by the FSU.

All Capital Bank & Trust

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About All Capital Bank & Trust in Dominica