Americas & Caribbean

Bermuda

Bermuda ni British Overseas Territory ti o dara julọ ti a mọ bi ile-ifowopamọ agbaye ati ile-ifowopamọ ti o ni ibatan si awọn ohun-ini. Gbogbo awọn agbegbe owo, pẹlu awọn banki, iṣowo idoko-owo, awọn owo-ori, iṣẹ owo ati awọn iṣowo ohun-ini oni-nọmba, ni iwe-aṣẹ nipasẹ oludari kan, Bermuda Monetary Authority, eyiti o jẹ igbesẹ akọkọ pẹlu ofin ohun-ini oni-nọmba ti a ṣe fun ni 2018.

Fẹ́là RísikoÀkànṣe

FATFKò wa ní àtòjọ

EU AML àtòjọ àìdájú gigaKò wa ní àtòjọ

Awọn akojọ owo-ori EUKò wa ní àtòjọ

License regimes5

Awọn owo-ìwọ̀nBMD

Àwọn ìṣàmúlò-ètòA+

Awọn idibo to n bọtòjú 2030

Bermuda ko wa lori awọn akojọ FATF (akọsilẹ ti 19 Oṣu Kẹsan 2026), atokọ orilẹ-ede kẹta ti o ga julọ ti EU (Delegated Regulation (EU) 2016/1675 bi a ṣe yipada nipasẹ 2026/83, ni agbara 29 Oṣù Kejìlá 2026) tabi Annex I tabi Annex II ti atokọ owo-ori ti EU (atunṣe 17 Oṣù Kejìlá 2026). O ti ṣayẹwo 7 Oṣu Kẹsan 2026.

Ìjọba àti ìṣàlàyé

Gomina: Àwọn ààyè-iṣẹ́ British Overseas
Monarch: Charles III · lati Oṣù Kejìlá 2022
Àwọn ìṣàmúlò-ètò: David Burt (Progressive Labour Party (PLP))
Àwọn ààyè-iṣẹ́: Progressive Labour Party (PLP)
Awọn idibo to kẹhin: Àkọlé àwòrán Ìgbàyélú Ajọṣepọ̀ Gbogbogbo, 18 Oṣù Kejìlá 2025
Awọn idibo to n bọ: Igbàyélú Ajọṣepọ̀ Gbogbogbó, tí a ṣe ni 2030. PLP gba 25 ninu àwọn ipo 36 ni 2025, One Bermuda Alliance 11
Àwọn Ìṣàmúlò-ètò: Parliament: House of Assembly (36 elected seats) ati Senate (11 appointed members)
Siséèsì Ìjọba: Awọn ofin ti o wọpọ ni ede Gẹẹsi

Economics and finance

Awọn eniyan: 64.6k (2025)
Ìjánu-ìsún: USD 9.2bn (2024)
GDP fun ẹni kọọkan: USD 142,250 (2024)
Awọn owo-ìwọ̀n: Bermuda dollar (BMD), Pegged to USD at par (1:1); US dollar also widely accepted
Central Bank of Nigeria: Bermuda
Àwọn ìṣàmúlò-ètò: S&P A+ (positive) · Moody's A1 (stable) (gẹ́gẹ́ bi May 2026)

Bermuda ni ọkan ninu awọn ti o tobi julọ ni agbaye reassurance ati captive insurance centers, pẹlu iṣowo kariaye ati irin-ajo awọn orisun pataki ti owo.

Àwọn Irinṣẹ́

Lisensi banki, lisensi ile-iṣẹ ifowopamọ tabi lisensi banki ti a daduro

Awọn ohun-ini ti o kere juUSD 10m

AgbègbèA kò fi pamọ́

Awọn Iṣẹ́Bermuda Monetary Authority, pẹlu minisita owo-iworo ti o sọ pe ifunni naa dapọ pẹlu eto-ọrọ ati eto-owo ijọba

Awọn ohun-ini ibẹrẹ ti o kere ju BMD 10 milionu fun banki kan ati BMD 1 milionu fun ile-iṣẹ idogo (Sẹkilẹ kẹta, paragrafu 7)

Àwọn Ìṣẹ́: Banks and Deposit Companies Act 1999, ss. 13 and 14 and Second Schedule
Àwọn Irinṣẹ́: Iṣẹ́ ẹ̀yàn BMD 50,000 (2026); iṣẹ́ ẹ̀yàn ọdún labẹ s. 16 lati BMD 25,180 si BMD 400,130 ni ibamú pẹlú awọn ohun-ini, atí iṣẹ́ ẹ̀yàn ọdún labẹ́ Akọsilẹ́ Awọn ile-ifowopamọ́ atí Awọn ile-ifowopamọ́ (Awọn owó) 1975 lati BMD 400,570 (ile-ifowopamọ́) atí BMD 20,000 (awọn ile-ifowopamọ́).
Ìfihàn: Kò

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Awọn alaṣẹ ti o tọ ati ti o dara
Awọn iṣẹ ti o ni oye pẹlu owo-ori to tọ, awọn ohun-ini, awọn eto ati inawo
Àwọn ìṣàmúlò-ètò ààyè-iṣẹ́ kò ní lágbára ìrísí-lẹ́tà tí a fi kọ̀ǹpútà
A full banking license requires a minimum set of retail services in Bermuda dollars; a restricted banking license serves only people in the Third Schedule

Sources(3)

Banks and Deposit Companies Act 1999 (BMA copy) · checked 2026-10-07
BMA: Licensing banks in Bermuda · checked 2026-10-07
Bermuda Monetary Authority: 2026 Bermuda Monetary Authority Fees · checked 2026-10-07

Ààyè-iṣẹ́ iṣẹ́ ifowopamọ́ (PSP)

Lisensi iṣẹ́ iṣowo owo

Awọn ohun-ini ti o kere juA kò fi pamọ́

AgbègbèA kò fi pamọ́

Awọn Iṣẹ́Bermuda

Àwọn Ìṣẹ́: Money Service Business Act 2016, ss. 8 and 10 and Schedule 1
Àwọn Irinṣẹ́: Aṣàfilọ́lẹ̀ ìdíyelé BMD 2,840; ìdíyelé licensing BMD 6,460; ìdíyelé ọdun kan BMD 6,460 (2026)
Ìfihàn: Kò

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Kòó bá a gbọ́ pé owó tí wọ́n gbé, àwọn ẹ̀yàn-ìtàn àti ààyè-iṣẹ́, àwọn ẹ̀yàn-ìtán-ìtán-ìtán-ìtán-ìtán-ìtán-ìtán-ìtán-ìtán-ìtán-ìtán-ìtán-ìtán-ìtán-ìtán-ìtán-ìtán-ìtán
Awọn alaṣẹ ti o tọ ati ti o dara
Iṣẹ́ tí a ṣè nípa àwọn ìṣàmúlò-ètò tí a fi pamọ́ lórí Àkọsilẹ̀ 1

Sources(2)

Money Service Business Act 2016 (Bermuda Laws Online) · checked 2026-10-07
Bermuda Monetary Authority: 2026 Bermuda Monetary Authority Fees · checked 2026-10-07

Àwọn ààyè-iṣẹ́ ìṣàmúlò-ètò aimọye (VASP)

Lisensi iṣẹ́ ẹ̀yàn àwọn ohun-iní-ìṣàmúlò-ètò díìlẹ̀ (Klásì F tí a fi pamọ́, Klàsì M tí a paṣẹ̀dà, ìyẹwo Klásì T)

Awọn ohun-ini ti o kere juA kò fi pamọ́

AgbègbèA kò fi pamọ́

Awọn Iṣẹ́Bermuda Monetary Authority (Awọn ẹtọ ati Lisensi Kọmitii fun awọn ohun-ini oni-nọmba)

Àwọn Ìṣẹ́: Digital Asset Business Act 2018, ss. 10, 12 and 16
Àwọn Irinṣẹ́: Àkọ́lé àwòrán BMD 2,266 (Klasí F tabi M) tàbì BMD 1,000 (Klasí T). Ìdíyelé àti ìfilọ́ọ̀nù jẹ́ ti BMD 450,000 títí kan (BMD 15,000 fún àwọn iṣẹ́, BMD 100,000 fún àwọn, BMD 150,000 fún ìdájọ́ ìmọ̀ràn ẹ̀yàn ẹ̀yàn) àti 0.075 fún kọ̀ǹpútà tí a gbà; Klasí T BMD 1,000 (2026)
Ìfihàn: Kò

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Klásì T ní lìnẹ́sì ìṣàyẹwo fún ààyè-iṣẹ́ píríǹtì tàbí tó kejì lágbára iṣẹ́; Klásì M ní aago tí a fọwọ́sì
Ṣẹ̀dá àwọn ìṣàmúlò-ètò DABA tí o kere jù lọ atí Àkọsílẹ̀ DABA tí a bá fi kọ́
Àwọn ìṣàmúlò-ètò tí a gbọ́ nínú àjọ BMA; BMA fẹ́ lati ṣàfihàn àwọn ìṣàmúlò-ètò to kù nínú ọjọ́ iṣẹ́ 20
AML/ATF àti àwọn ìṣàmúlò-ètò aabo ayelujara

Sources(3)

Digital Asset Business Act 2018 (BMA copy) · checked 2026-10-07
BMA Information Bulletin: Digital Asset Business application process (February 2024) · checked 2026-10-07
Bermuda Monetary Authority: 2026 Bermuda Monetary Authority Fees · checked 2026-10-07

Firma idoko-owo

Laisíntí iṣẹ́ ifowopamọ̀ tabi ẹni ti a fọwọ́sì ni klasú A/klasú B

Awọn ohun-ini ti o kere juA kò fi pamọ́

AgbègbèA kò fi pamọ́

Awọn Iṣẹ́Bermuda

Àwọn Ìṣẹ́: Investment Business Act 2003, ss. 13A, 13B and 16
Àwọn Irinṣẹ́: Awọn owo iforukọsilẹ BMD 2,840 (aṣẹ-lori tabi iforukọsilẹ); BMD 25,000 fun awọn iṣowo CFD ti o ni iye kekere. Owo isanwo ọdun kan BMD 2,710 si BMD 13,560 fun awọn iwe-aṣẹ (BMD 100,000 fun awọn olupese CFD ti o ni iye kekere) ati BMD 850 fun awọn eniyan ti a forukọsilẹ Class A tabi Class B (2026)
Ìfihàn: Kò

Àwọn ìṣàmúlò-ètò Bọ́tìnì

License covers dealing, arranging, managing, advising and safeguarding investments
Awọn ẹ̀yàn ìdíyelé ti o ga ju fun awọn ile-iṣẹ ti a fọwọsi lati tọju awọn ohun-ini alabara
Awọn eniyan ti o tọ ati ti o dara ati ibaraẹnisọrọ to lagbara

Sources(1)

Bermuda Monetary Authority: 2026 Bermuda Monetary Authority Fees · checked 2026-10-07

Alábòójútó àwọn ẹ̀yàn

Fundí tí a fọwọ́sì (awọn ile-iṣẹ́, tí a fọwọ́sì, àwọn ẹ̀yàn tí a sọ̀rọ̀, ìṣàfarawe) tàbí owó ifowopamọ́ tí a fọwọ́sì (Ìgbàṣe A, Ìgbàṣe B, Ìgbàṣe Tí A Fẹ̀, Àkọlé àwòrán, Òkè

Awọn ohun-ini ti o kere juA kò fi pamọ́

AgbègbèA kò fi pamọ́

Awọn Iṣẹ́Bermuda

Àwọn Ìṣẹ́: Investment Funds Act 2006
Àwọn Irinṣẹ́: Iforukọsilẹ aṣẹ-lori BMD 1,040; owo isanwo ọdun kan BMD 1,860 (iṣaaju) tabi BMD 1,170 (ti a fọwọsi ati ti ile-iṣẹ); owo ifilọlẹ akọkọ BMD 950 si BMD 1,870 fun awọn owo-ori ti a forukọsilẹ (2026)
Ìfihàn: Kò

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Awọn owo-ori ile-iṣẹ: idoko-owo ti o kere ju USD 100,000 fun BMA
Awọn owo-ifowopamọ ti ara ẹni ti o ni opin si awọn alabaṣepọ 20 laisi igbelaruge awujọ
Awọn owo-ifowopamọ iṣẹ́ ti ṣì lọ́wọ́lọ́wọ́ fun àwọn onímọ̀ kan nínú ẹ̀yàn náà, ki o si yẹ ki a yan oludari, aṣàwákiri, ayẹwo atí agbẹjọro.
Awọn alakoso iṣẹ-iṣe ti o ni igbẹkẹle gbọdọ ni o kere ju USD 100 milionu labẹ iṣakoso

Sources(2)

BMA: Investment funds licensing · checked 2026-10-07
Bermuda Monetary Authority: 2026 Bermuda Monetary Authority Fees · checked 2026-10-07

Àwọn Aṣàfilọ́lẹ̀

Àwọn Ìṣàfilọ́lẹ̀

Bermuda Monetary Authority (BMA) · websitebanks, Payment service providers, FX brokers, Virtual asset service providers (VASPs), Investment firms, Funds, Insurance, Trust companies

Bermuda jẹ ọkan ninu awọn ọja reassurance ti o tobi julọ ni agbaye; awọn insurers wa ni iwe-aṣẹ labẹ ofin aabo 1978 nipasẹ BMA (ti ko ṣe alaye nibi). Awọn olugba tokens wa labẹ Digital Asset Issuance Act 2020. Ni Oṣu Kẹjọ Ọjọ 2026, BMA ṣe ibaraẹnisọrọ lori Iṣẹ Banki ati Awọn ile-iṣẹ Deposit Fee Regulations 2026 lori awọn idiyele ti a san si awọn alabara banki. Bermuda ko ni eto lilọ kiri ayelujara ori ayelujara ti a dapọ sinu faili yii. Ko si owo-ori kekere kan ti a sọ ninu awọn orisun ti a ṣe ibaraẹnisọrọ fun iṣẹ owo, ohun-ini oni-nọmba, iṣowo idoko-owo tabi awọn iwe-aṣẹ owo-ori, nitorinaa wọn kii ṣe nkankan; BMA fi owo-ori silẹ fun iṣẹlẹ kọọkan tabi nipasẹ awọn ofin. Ko si akoko ipinnu ofin ti a ri fun eyikeyi iwe-aṣẹ, nitorinaa awọn akoko naa jẹ nkankan.

Àwọn Àtòjọ-ẹ̀yàn Gbogbogbo

Ààyè-iṣẹ́ Bermuda

Ààyè-iṣẹ́ àwọn ìkúnrégé ilẹ̀. Pétì náà jẹ́ ìṣàfihàn.

Ìbàlẹ̀: Àwọn ààyè-iṣẹ́ British Overseas
Ọ̀kọ̀ọ̀kan: Hàtìlì
Agbègbè: 54 km²
Awọn ede Ofin: English (United Kingdom)
Zone Time: UTC-04:00 (UTC-03:00 nínú igba otutu)

Àwọn àgbéwọlé ìṣàfihàn

Reinsurance ati insurance
Àwọn iṣẹ́ ile-iṣẹ́ atí owó
Àwọn Ìṣàmúlò-ètò

Àwọn ìṣàfihàn ààyè-iṣẹ́

Germany
South Africa
Netherlands Antilles
United States
Angola

Sources for the country information(7)

Àwọn ìròyìn ààyè-iṣẹ́ orilẹ-ede tí a ṣayẹwo ní ọjọ́ kọkanlá 9, ọdun 2026. Àtòjọ-ẹ̀yàn líǹkì tí a pàṣẹ́ ní ọjọ́ kọkanlá 7, ọdun 2026. Àwọn ìròyìn nikan, kò jẹ́ àgbekalẹ̀ ofin; àwọn ìṣàmúlò-ètò kùnà. Àkọ́lé àwọn ìṣàmúlò-ètò.

Sources for the licensing information(10)

FATF public statement relayed by the Department of Internal Affairs (NZ): Jurisdictions under increased monitoring, June 2026 · checked 2026-10-07
Commission Delegated Regulation (EU) 2026/83 amending Delegated Regulation (EU) 2016/1675 · checked 2026-10-07
European Commission: EU updates list of non-cooperative tax jurisdictions (17 February 2026) · checked 2026-10-07
Banks and Deposit Companies Act 1999 (BMA copy) · checked 2026-10-07
BMA: Licensing banks in Bermuda · checked 2026-10-07
Money Service Business Act 2016 (Bermuda Laws Online) · checked 2026-10-07
Digital Asset Business Act 2018 (BMA copy) · checked 2026-10-07
BMA Information Bulletin: Digital Asset Business application process (February 2024) · checked 2026-10-07
BMA: Investment funds licensing · checked 2026-10-07
Bermuda Monetary Authority: 2026 Bermuda Monetary Authority Fees · checked 2026-10-07