Royal Bank


Royal Bank is an international financial group in the banking, brokerage, mutual fund and financial services industries, licensed in Puerto Rico.

For the last decade and a half, Royal Bank and its subsidiaries have offered a wide array of financial services from offices in the Caribbean. Through a dedication to client service and a diverse multi-currency product offering, clients enjoy unrivalled access to the global investment markets. The Bank’s online, multi-channel access provides account holders with 24/7 access to their accounts, regardless of where they are located.

The Bank’s unique full-reserve policy provides clients the safety and stability they require to manage their global finances. As an investment brokerage and advisor, and 12 year-long White Label Partner of Saxo Bank, the Bank is able to pass along foreign exchange savings rates of up to 80% over traditional retail banks. The Bank also maintains the distinction of acting as the only bank, which is also Approved Dealer for the Perth Mint in Australia.

Business Summary

Royal Bank differentiates itself through a unique banking model. Many of the traditional banking services (mortgages, car loans, credit cards, trade finance etc.) are not offered and instead, the Bank focuses on offering transactional banking and investment services, which are superior to those of others in the industry.

One of the key facets of the Bank’s business model is the notion of full-reserve banking. Euro Pacific takes a unique approach to banking by maintaining a 100% ratio of reserves to deposits. This full-reserve structure has become a driving force behind the Bank’s growth and client retention as global financial markets have become increasingly unstable.

Seismic shifts in the financial system since 2008 including European “bail-ins”, threatening customer deposits and sustained, ultra-low interest rates creating volatility in the foreign exchange markets, have driven depositors to look for alternative banking solutions. As awareness in these factors increases, global consumers will look for safe havens away from their resident markets.

Since its inception, Euro Pacific has focused on building a truly global bank. In today’s banking environment, having an online-first model is necessary to capture the businesses of a globalized economy.