Role of offbnk
Danny Schwenke operates offbnk in his own name as an individual. offbnk is an independent editorial platform covering international banking, private banking markets, precious-metal storage and regulation. The platform also maintains sourced databases of bank profiles and precious-metal storage providers with neutral filtering for institutional criteria. offbnk is not a bank or storage provider and does not hold client money or precious metals, open or administer bank accounts, execute payments or investments, provide custody, or make lending decisions.
offbnk does not act as an agent, representative, broker, introducer, or other intermediary for a listed institution. It provides no application, callback, or onboarding flow; does not receive or forward account applications, identity documents, declarations, money, or lead data; does not contact a bank or storage provider on a user's behalf; and does not participate in account opening or storage agreements.
No financial, investment, tax, or legal advice
Website content, articles, comparisons, and the results of Bank Check and Vault Check are general information. They do not take all circumstances into account and are not a personal recommendation to open an account, choose a storage provider, select a jurisdiction, acquire or dispose of an investment, arrange a legal structure, or adopt a tax position.
Obtain appropriately qualified advice where a decision depends on financial suitability, investments, taxation, residence, company law, trusts, foundations, succession, sanctions, or regulatory obligations.
How filtering works
Bank Check applies the institutional filters you select—such as audited directory criteria, bank domicile, published account-opening acceptance by residence region, published client and offering type, documented product currency, published entry-amount range, service availability, and pricing availability—to the current published offbnk bank profiles.
Filter categories are combined strictly: every selected directory criterion, offering type, currency, and required service must be documented, while multiple bank domiciles, accepted residence regions, and client types are alternatives. The opening-region filter uses only current sourced records and distinguishes rules that explicitly cover every country in a region from rules that cover only some of its countries; case-by-case, undisclosed, and expired policies never match, and product or channel limits and the bank's individual review still apply. Entry-amount bands use the lowest sourced figure linked to the selected offering type and compare the stated source-currency numbers without foreign-exchange conversion. Missing facts are not guessed.
Results cover only profiles in the current published offbnk directory—not every bank or product in the market. Bank Check shows the result count and content-snapshot date. Results remain alphabetical, without a score, suitability weighting, paid placement, or influence from an institution's commercial status. Bank Check does not assess personal circumstances, promise availability, or represent that a product is available in your country.
Vault Check applies the same principles to the published vault directory: the storage characteristics you select—such as storage type, metals, storage country, customs status, ownership safeguards, access and delivery, onboarding, and published acceptance by residence region—are applied to the current published provider profiles. Missing facts are not guessed. Results cover only providers in the current directory and remain alphabetical, without a score, suitability weighting, or paid placement.
Eligibility and approval
Each bank independently decides whether to accept, reject, restrict, or terminate a relationship. Decisions may depend on residence, nationality, tax status, account purpose, deposit size, business activity, ownership structure, source of wealth, source of funds, sanctions exposure, PEP status, internal policy, and other risk factors. Precious-metal storage providers likewise decide independently whom they accept as clients and on what terms.
Published requirements and institutional policies can change without notice. Users should verify current conditions directly with the relevant regulated institution before acting.
AML, sanctions, and tax transparency
International banking and storing precious metals abroad do not provide anonymity or remove reporting obligations. Banks and storage providers apply customer due diligence and may require identity, tax-residence, beneficial-ownership, source-of-wealth, and source-of-funds evidence. Enhanced review may apply to PEPs, complex structures, higher-risk jurisdictions, or unusual activity.
offbnk does not support tax evasion, sanctions circumvention, money laundering, concealment of beneficial ownership, or misleading information supplied to a financial institution.
Commercial independence, compensation, and advertising
Basic inclusion and a factual base profile are not conditional on payment or a contract. If offbnk enters a fixed annual agreement with an institution for data maintenance or an expanded profile, the commercial relationship and any institution-supplied data will be identified in the relevant context. The fee is independent of user numbers, clicks, referrals, applications, and account openings.
offbnk does not accept success fees, lead fees, cost-per-click payments, affiliate commissions, revenue shares, or bonus payments. An institution's contractual status cannot affect its inclusion, position, filter result, or editorial assessment. Advertising is labelled as advertising, kept separate from filter results, and does not change their order.
Names, logos, and external links
Names, logos, and trademarks of banks and storage providers belong to their respective owners and are used for identification and factual reporting only. The same applies to payment-network, card-scheme, and app-store marks shown on bank and vault profiles. Their appearance does not by itself indicate a partnership, endorsement, sponsorship, approval, or commercial relationship with offbnk.
External links are unpaid, untracked references. offbnk does not add lead, referral, or conversion identifiers; send identity or filter data to the destination; or receive an account-opening success report. Selecting a link takes you directly to the third party, which is responsible for its own content, availability, security, and privacy practices.
Illustrative images
Cover images, hero images, and other decorative imagery on this website are created or edited using AI image tools. They are illustrative only and do not evidence any statement in the accompanying text. Some images incorporate depictions of publicly recognisable buildings and city skylines; these are decorative and imply no connection between offbnk and the owners, occupants, or institutions associated with those buildings. Images do not depict real people, documents, or events.
Names, logos, trademarks, and payment-network marks are reproduced as published by their owners and are not AI-generated.
Accuracy and third-party information
Published facts in bank and vault profiles and articles are based on identified source material. Each profile identifies its source documents and retrieval dates; non-public information supplied by an institution is labelled as such. offbnk reviews and updates bank and vault profiles, articles, and other editorial information regularly and with care, particularly when material changes become known. Because reviews cannot be continuous, published information reflects the relevant research or update date.
No warranty or guarantee is given that third-party information or other published content is current, complete, or error-free at all times. Banks, storage providers, regulators, and other third parties remain responsible for their own publications, decisions, and services. Verify material information directly with the relevant bank, provider, authority, or original source before acting. Nothing in these disclosures excludes or limits liability that cannot lawfully be excluded or limited.
User responsibility
Users are responsible for independently reviewing terms and risks, complying with tax and reporting duties, and obtaining professional advice where appropriate. Do not rely on a filtered list as the sole basis for a financial or legal decision.
Contact and corrections
If you believe a bank or vault profile, article, or disclosure is inaccurate or outdated, contact d.schwenke@offbnk.com with the relevant page and supporting source.