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Finance in Gibraltar

Finance in Gibraltar

Gibraltar's economy revolves largely around financial services. © iStock image.
Gibraltar's economy revolves largely around financial services.
Accounting Firms Banking
Many prestigious firms are represented in Gibraltar.
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Banks fall into three main operating categories and are carefully regulated.
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Financial Services Commission Insurance Market
This supervisory organisation closely monitors the financial sector and ensures quality.
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This sector is also carefully supervised and regulated.
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Investment Services Legal System & Services
To be authorised or licences in Gibraltar, these institutions must meet specific criteria.
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Find out how easy it is to find legal services in Gibraltar.
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Private Banking
A private banker can offer invaluable guidance and wealth management services to those with moderate to high levels of wealth.
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Gibraltar's economy revolves largely around financial services, shipping, tourism and e-gaming and telecommunications, including Internet. Businesses wishing to set up, expand or diversify on the Rock should contact the InvestGibraltar Office, Department of Enterprise & Development by ringing Tel: +0350 200 52634 or via Email: [email protected]

The official currency in Gibraltar is the pound sterling (GIP). However, British and local coins mix freely with euros.

In the words of the Government of Gibraltar, these are the benefits of setting up and/or conducting business in Gibraltar:

  • An excellent hub for the establishment of international business in areas as diverse as financial services, trading and e-commerce, light manufacturing, shipping, property development and tourism
  • A highly developed business services infrastructure, where you can Passport your EU licence in financial services such as insurance and reinsurance, EU-wide pensions, banking and funds administration, amongst others
  • Distribute competitively priced VAT-free products and services to the markets of the EU and Africa
  • Invest or conduct business in a low-tax jurisdiction with a profit-oriented capital base at low levels of corporate tax, all in a stable currency – £ Sterling GIP – with few restrictions in moving capital or repatriating dividends
  • A legal system modelled on the English structure contributes to making Gibraltar the highly regulated, globally acclaimed jurisdiction it is today
  • A variety of interesting fiscal products ranging from lucrative funds’ development and administration to customised financial solutions such as international tax planning strategies, along with monthly tax-free registered debentures – stable bonds with an attractive non-taxable fixed rate
  • A high-quality environment for corporate accommodation as well as modern services and workspace for manufacturing and distribution; together with an effective, modern communications infrastructure. The necessary business support services are also available on site
  • Stable political and economic environment already appreciated by established investors and customers
  • Benefits from membership of the EU including access to the EU financial services’ market
  • Enhanced, weather-protected port facilities outside of the European Customs Union make Gibraltar ideal for cruise liners and cargo handling/logistics Gibraltar is one of the world’s leading bunkering centres
  • An international airport with scheduled flights to the United Kingdom, along with proximity to Spanish regional airports at Málaga, Seville and Jerez
  • One of Europe’s most advanced fibre-optic telecommunications networks, providing quality solutions for business requirements
  • Multi-skilled, suitably qualified workforce with training assistance to update skills in accordance with the investments opportunities that arise
  • A harmonious, multicultural and English-speaking environment, (as favoured by most international businesses), providing pivotal access to regional markets in Mediterranean Europe and North Africa. The majority of people in Gibraltar are at least bilingual
  • The Common Agricultural Policy, Value Added Tax and the Common Customs Tariff do not apply to Gibraltar as it falls outside the EU Customs Union. Classified as a developing country, Gibraltar is entitled to preferential trade tariffs under the Generalised System of Preferences (GSP)
  • Legislation is in place to encourage High Net Worth Individuals (HNWI) and High Executive Possessing Specialist Skills (HEPPS) to establish tax residency in Gibraltar, affording them the opportunity to have the tax payable on their income restricted to a maximum amount
  • Gibraltar relishes from warm summers and mild winters - 300 days of sunshine - and a high quality of life with many sports and leisure facilities both in and around Gibraltar


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