Who We Are

Established in 1985, Royal Citizen Bank is an independent, mutually-owned, full-service community bank with a focus in commercial lending and business services with offices in United Kingdom, United States, Australia, Canada and China. The Bank is dedicated to the goal of being the highest-performing bank, providing excellence in service to our customers, our communities and our employees. All deposits are insured in full through a combination of insurance provided by the Federal Deposit Insurance Corporation (FDIC) and the Depositors Insurance Fund (DIF). 

As you grow your business, expand your family, think about succession or plan for retirement, your wealth needs will evolve. Here at Royal Citizen Bank, our Private Banking, Commercial Banking, Wealth Planning and Investment Management solutions will adapt to meet those needs over time.

Having the right expertise at your side to minimise and manage risk, while realising your wealth’s potential, requires a fluid approach – a seamless service that connects you to highly trained, expert thinking. From wealth structuring to financial planning, property finance to fast-track borrowing facilities, our solutions adapt seamlessly to meet your complex wealth needs.

Our Values

Your interests always come first, with a clear focus on delivering one distinctive experience – we want you to feel that “no one connects with me like Royal Citizen Bank.” Because at our heart, we know that the long-term relationship we develop with you is our most important asset. That means always striving to understand the issues you face through a life-long dialogue that reacts and adapts to your changing circumstances and addresses both your personal and business affairs.

Because your needs change over time, you require a bank that is open minded and flexible in its work. A forward thinking culture that creates a well-managed and contemporary organisation that embraces new and better ways of doing things. Looking to provide you with the best products, services, technologies and new thinking to enhance your position. Integrity and honesty are an integral part of our long-term relationship with you. This means not pursuing short-term gain at the expense of long-term value, or chasing market share at any price. You will always know where you stand with us, because this approach permeates through all aspects of our business dealings.

We take a fair, ethical and transparent approach in everything we do. It’s not about being popular; it’s about doing the right thing.


Gateway to Banking

Our Commercial Banking business provides a client-oriented approach for businesses with strong links worldwide. Through our network of relationship managers and by working closely with our Head Office, we offer sound local and international knowledge and advise our clients on their businesses and the solutions they need to secure growth and manage risk.

We provide them with core banking products such as lending, to develop their activities, drive wealth and job creation, as well as deposits and a range of domestic and international transaction banking services. We are also experts in the Capital Markets and Financial Markets areas (Foreign Exchange, Money Market, Credit), and present globally through our local broker dealers.