Caye International Bank review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Caye International Bank suits savers and businesses who keep money in several currencies and want easy access without a notice period. It holds 16 currencies, but a monthly fee of $19.50 to $21.50 and savings rates of 0.1% to 0.5% make it the costly pick in this group.
Key facts
- Best for
- Savers and businesses holding several currencies who can carry a monthly fee.
- Monthly fee
- $19.50 to $21.50↗
- Currencies
- 16↗
- Transfer fee
- USD 5 between Caye accounts; USD 100 for outgoing external transfers↗
- Legal entity
- Caye International Bank, Ltd.↗
- Headquarters
- Belize↗
- Founded
- 1996 to 2003↗
- Support channels
- Email, Phone, Help-centre↗
- Official website
- cayebank.bz
Savings
Pros and cons
Pros
- Holds 16 currencies against a 5 median, so most spending and income currencies sit in one place.
- The account is easy access with online access at any time and no notice period, so money is reachable whenever it is needed.
- Support runs on email, phone and help centre, covering phone and email alongside a self-service help centre.
- Payouts go to bank and card, so funds can leave by bank transfer or straight to a card.
Cons
- Monthly fees of $19.50 to $21.50 sit far above the €0 charged by most accounts in the comparison.
- Savings rates top out at 0.1% to 0.5%, well under the 3% median across the site.
- A minimum deposit of $3,000 puts the account out of reach for anyone saving in small sums.
Who it suits
- Anyone paid in more than one currency who can keep a balance in each
- Savers who need access at any time and can meet the $3,000 minimum
- Customers who want to reach the team through email, phone and help centre
Who should look elsewhere
- Anyone wanting an account with no monthly charge, since fees here run $19.50 to $21.50
- Savers chasing a competitive fixed rate, because interest is variable at 0.1% to 0.5%
- People starting from a small balance, given the minimum deposit of $3,000
Fees and currency costs
Account keeping runs at $19.50 to $21.50 a month on the savings account, a real cost against a balance that may sit untouched. Transfers between Caye accounts carry a small flat fee, while outgoing external transfers to another institution cost a much higher flat fee. Wires therefore carry more cost than money moved between your own Caye accounts.
Who runs it
The account is provided by Caye International Bank, Ltd., which is headquartered in Belize and has been trading since 1,996 to 2,003, so the operation is an established one rather than a recent launch. Support runs on email, phone and help centre: customers can reach the team by phone or email, or work through the help centre at their own pace.
How Caye International Bank compares
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Frequently asked questions
What does a Caye International Bank account cost each month?+
Account keeping on the savings account is $19.50 to $21.50 a month. Most of the accounts in the comparison charge €0 instead, so this is the number to weigh before opening, especially if the balance will sit still for months.
How much interest does the savings account pay?+
Interest is 0.1% to 0.5% on a variable basis, so the rate can move rather than being locked for a set period. The median headline rate across the site is 3%, which shows how far the top end of this range sits below typical savings accounts.
Is there a minimum deposit to open the account?+
Yes. The minimum deposit is $3,000 to open and hold the savings account, and bonus interest applies when money is kept in each quarter with no withdrawals taken out. Anyone starting with less can treat the balance as a target to work up to over time.
How quickly can I get at my money?+
The account is listed as easy access: access is online at any time and there is no notice period, so savings can be drawn out without giving advance warning. That flexibility is the main reason to hold a balance here despite the monthly charge.
How many currencies can I hold with Caye?+
Caye International Bank holds 16 currencies, well above the 5 median for accounts in the comparison. That makes it practical for anyone earning in a single currency and spending in another without routing everything through a separate exchange account.
What do wire transfers cost and how fast are they?+
Transfers between Caye accounts carry a small flat fee, and outgoing external transfers to another bank cost a much higher flat fee. Requests made before the daily cut-off arrive the same day, while anything sent after it goes out the next business day, so timing matters for urgent payments.
How do I get help if something goes wrong?+
Support runs on email, phone and help centre, so customers can pick up the phone, send an email or work through the help centre. Having both phone and email is useful for transfer questions, where a written record of the answer can matter later.
How can I get my money out?+
Payouts are made to bank and card, so a withdrawal can go to a bank account or to a card. With online access at any time, a saver can move funds out as soon as a need arises rather than waiting on a notice period.
Sources
- cayebank.bz checked September 26, 2026
Backs: Payout methods
“Caye offers a full-range of banking products and services, with 24/7 online banking, safe international wire transfers and a prepaid Visa card accepted everywhere.”
- cayebank.bz/about-us checked September 26, 2026
Backs: Founded, Headquarters
“Caye's history began in 1996 as a Belizean mortgage company ... This was granted on September the 29th, 2003 when Caye received an unrestricted Class A - International Banking License from the...”
- cayebank.bz/agreement-and-disclosure checked September 26, 2026
Backs: Legal entity
“For purposes of this agreement, "CIB" shall mean Caye International Bank, Ltd. and its affiliates”
- cayebank.bz/faq checked September 26, 2026
Backs: Account kind, Delivery time, Support channels, Transfer fee
“a demand deposit account gives you more access in transferring to and from your account”
- cayebank.bz/savings-accounts checked September 26, 2026
Backs: Access terms, Headline rate, Minimum deposit, Monthly fee, Rate type
“Earn bonus interest when you deposit at least $10,000 every quarter, and make no withdrawals within this period.”
- cayebank.bz/wire-transfers checked September 26, 2026
Backs: Currencies
“Transfer in USD CAD GBP EUR 16 different currencies!”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currency conversion fee.
Related by the facts
Caye International Bank
Savers and businesses holding several currencies who can carry a monthly fee.