Euro Pacific Bank


Our Story

Euro Pacific Bank was launched in 2011 with the goal of making banking Safe, Digital, and Global.

Seismic shifts in the financial system since 2008 have driven depositors to look for alternative banking solutions. In today’s digital, global marketplace, many depositors seek conservative banks whose products are better designed for their international lives and businesses.

Many traditional banking services such as loans, mortgages, credit cards, and trade finance are not offered. Instead, we focus on transactional banking, brokerage, and investment services. In fact, 100% of our margins are derived from transaction fees, service fees, and commissions only—not lending or proprietary trading.

Why Choose Us?



Euro Pacific is a full-reserve bank. This unique business model was created in response to the increasing risks seen in global banks and financial markets. As a full-reserve bank, we maintain 100% liquidity, 100% capitalization, and zero loans. This structure is a key facet of our business model and has become a driving force behind our growth and client retention.



In today’s banking environment, having an online-first model is necessary to capture the businesses of a globalized economy. Conduct international payments, convert currencies at competitive foreign exchange rates, and invest internationally, all from our convenient eBanking online portal.



Since our inception, we’ve focused on building a truly global bank. Our online, multi-channel access provides account holders with 24/7 access to their accounts, regardless of where they are located. Further, through a diverse product offering, clients enjoy access to multiple currencies and global investment markets.

Business Summary

Euro Pacific Bank is licensed in Puerto Rico as an International Bank (IFE), with subsidiaries throughout the Caribbean offering a wide array of financial products and services, including international banking, brokerage, and mutual funds.

The Bank’s unique full-reserve policy provides clients the safety and stability they require to manage their global finances. The Bank is also able to pass along foreign exchange savings rates of up to 80% over traditional retail banks. It does this through Euro Pacific Securities, the Bank’s wholly owned broker-dealer with a 19-year old operating history.



August 29, 2022: Euro Pacific Bank liquidation has commenced. Please read our formal instructions here as it is time-sensitive.

September 2, 2022: Update on pending transactions, brokerage, and account migration.

September 8, 2022: Qenta has emailed a welcome letter to all EPB clients. You can read a copy of it here.

September 16, 2022: Update on pending transactions for clients opting out of Qenta Inc. migration.

September 28, 2022: Update on pending transactions for clients opting out of Qenta Inc. migration.

September 30, 2022: Update on bank liquidation, pending transactions, and migration of assets to Qenta Inc.

October 8, 2022: Update on opt-out deadline for EPB clients who do not wish to migrate their account to Qenta Inc..

October 14, 2022: Customer Update & Townhall.

October 21, 2022: Update on Opt-out deadline - Extended.

November 01, 2022: Mutual funds & outgoing wire requests update.

December 05, 2022: Migration & liquidation update.

December 16, 2022: Comprehensive FAQ is published.

January 27, 2023: Correspondent bank update.

March 8, 2023: Migration & liquidation update.

March 31, 2023: Migration & liquidation update.

April 20, 2023: Liquidation update- Action required.

May 05, 2023: Migration & Liquidation update.

May 31, 2023: Migration & Liquidation update.

June 17, 2023: Receiver's report.

June 23, 2023: Migration & Liquidation update.

July 20, 2023: Migration & Liquidation update.

September 01, 2023: Migration & Liquidation update.

September 22, 2023: Report & Communication Portal.

September 22, 2023: Report & Communication Portal.

November 20, 2023: Progress Report (Opt-out Only).

November 21, 2023: Migration Update (Opt-in Only).

February 02, 2024: Migration & Liquidation update.

February 19, 2024: Migration & Liquidation update.

March 03, 2024: Migration & Liquidation update.

March 11, 2024: Receiver's Reports.

April 13, 2024: Migration & Liquidation update.

April 16, 2024: Receiver's Reports.