Finance Centre in Gibraltar

The Gibraltar Finance Centre

The Gibraltar Finance Centre refers to the network of financial services institutions, professionals, and regulatory bodies that operate in the territory, providing a variety of financial services. These services include:

• Banking
• Insurance
• Investment Funds
• Pension Schemes
• Wealth Management
• Distributed Ledger Technology (DLT) / Blockchain
• Online Gaming and Gambling Finance

The Finance Centre has grown rapidly over the last few decades due to Gibraltar’s favorable tax policies, its regulatory alignment with the UK, and its ability to adapt to emerging industries such as fintech and blockchain.

Despite its size, Gibraltar has developed a financial infrastructure that appeals to individuals and corporations alike, leveraging its status to cultivate a proactive business environment distinct from that of the United Kingdom or the European Union.

Banks, trust and company managers, investment companies and advisers, insurance, eGaming, cryptocurrency, funds, and support services of an internationally recognised standard such as accountancy, legal practices, communications and IT providers all contribute to making Gibraltar the international business location that it is today.

Though it is a relatively small territory, it has a number of unique financial benefits for individuals and companies seeking a jurisdiction that is not associated as an offshore tax haven, has very low corporate tax (15%), a booming international financial center, geographic proximity and ease of travel to Europe, and access to UK trade agreements.

Gibraltar has a long history of international finance that goes back to the passing of the Gibraltar Companies Ordinance in 1967. Gibraltar was the first and is the only British Overseas Territory to be accepted into the European Union (EU) back in 1975, although it is now negotiating its own Brexit agreement to facilitate fluidity with the frontier between Gibraltar and Spain.

Taxes are only levied on locally-sourced income, making all other foreign-derived income tax free. Gibraltar-based companies also benefit from not having to pay capital gains tax, dividend tax, estate tax, or value-added tax. The country also has a strong banking system offering many offshore accounts and investment opportunities open to both resident and non-resident companies.

The Gibraltar Finance Centre remains a leading hub for innovative financial services, emphasizing its commitment to regulatory excellence and business-friendly policies.

Gibraltar’s Finance Centre is a significant component of Gibraltar's economy, known for its focus on financial services, insurance, online gaming, and wealth management. Gibraltar has positioned itself as a jurisdiction with robust regulatory standards while offering tax efficiency, making it attractive for international businesses.

It has grown rapidly over the last few decades due to Gibraltar’s favourable tax policies, its regulatory alignment with the UK, its forward-thinking strategic management, professional and proactive regulation, and its ability to adapt to emerging industries such as fintech and blockchain.

The Gibraltar Finance Centre is a well-established financial hub with a strong reputation for banking, insurance, asset management, and, more recently, blockchain and fintech innovation. Its favorable tax environment, solid regulatory framework, and access to skilled professionals make it an attractive jurisdiction for financial services. While Brexit presents challenges, Gibraltar continues to adapt and diversify, positioning itself as a resilient and forward-looking financial hub of international standing.