WHAT THE SERVICE INCLUDES

Preparation of a compliance package: corporate documents, source of funds (SOF), UBO structure, business description;
Selection of banks for a specific niche: traditional Czech banks, European banks;
Support with KYC/KYB procedures: preparing responses to queries from the bank’s compliance department;
Simultaneous submission to multiple institutions to reduce processing times;
Support with additional bank requests — until the account is successfully opened.

By niche — specific selection criteria:

Crypto: we select banks with experience working with VASP-licensed companies (Czech, Baltic, Western European EMI);
Fintech: PI/EMI-licensed companies — partner banks and banking-as-a-service providers;
Gambling / Gaming: only banks and PSPs with experience in the sector — we know who opens accounts and under what conditions;
Tobacco: we select banks ready to handle regulated goods — with an explanation of supply structures and licences;
Defence: banks with compliance experience in the dual-use sector — with a detailed description of goods and authorisations.

WHO IS THIS SERVICE SUITABLE FOR

Crypto companies (VASPs)

Exchanges, currency exchanges, custodial services — Czech banks refuse to work with unlicensed entities. We select EMIs and banks that are open to VASP-licensed companies in the Czech Republic and the EU.

Fintech: PI/EMI-licensed companies

Partner banks for payment institutions — including correspondent banking and SEPA access. We know who works with fintech in the Czech Republic.

Gambling operators and gaming platforms

Licensed operators and B2B software providers — we select banks and PSPs with experience in the sector. Without an account with a suitable bank, accepting payments is impossible.

Tobacco companies: importers and distributors

Banks often view tobacco as a reputational risk. We select institutions prepared to handle regulated goods, provided TPD licences are in place.

Defence industry

Companies dealing in dual-use goods require banks with compliance experience in the sector. We prepare a detailed description of operations and a package of authorisations.

Proof of Source of Funds (SOF)

Successful account opening for high-risk businesses directly depends on the quality of documentation proving the Source of Funds. European financial institutions scrutinize the beneficiaries of such companies with extreme caution, fearing multi-million dollar fines for violating anti-money laundering laws. We help clients gather a flawless portfolio in advance, including tax returns, asset sale agreements, or dividend distribution statements. Our lawyers expertly structure this information so that compliance officers have absolutely no doubts about the legality of your capital. Thanks to this meticulous approach, a high-risk bank account is approved much faster, eliminating endless chains of additional requests.

Combining a Bank Account with Merchant Acquiring

For the full-fledged operation of online projects in high-risk niches, a single classic checking account is often not enough. For your business to seamlessly accept payments from clients’ bank cards, integration with specialized payment service providers (PSP) is required. We not only help open a corporate account for high-risk but also connect it with reliable acquiring gateways. Our team takes full responsibility for the complex process of merchant approval, securing minimal processing fees and avoiding rolling reserves for you. As a result, you receive a comprehensive financial infrastructure that allows you to safely accumulate profits and legally withdraw them to your bank account in Europe.

GOOGLE REVIEWS

Marsel Prokopev

This is not the first time I am convinced that this company can be trusted to handle even the most complex tasks. Whenever I have a question, I turn to NAWI for solving company-related issues and matters concerning business relationships with partners. They are true professionals—there are no unsolvable problems for them. They are always ready to find the most beneficial solution for the company. I highly recommend them!

Roman Tiutiunnyk

Ultimately the best company for any creative and cost-savvy business solutions. If you want to make your business work seamless and any potential issues to be resolved with optimal outcome and creativity even in complicated cases please address Eduard and be sure – you will have a 100% satisfaction gurantee

Alona Zhuravel

Very reliable partner for financial and legal consulting. We appreciate their personalized approach.

Artur Luganskyi

I was recommended to contact NAWI Europe and specifically Eduard for financial matters. We quickly arranged a meeting. Eduard proposed a solution, warned about potential pitfalls that needed to be considered. During the process, he did everything that depended on him and even more: he checked contracts, recommended people to solve issues that did not directly concern him. Everything was done clearly, on time, and within my budget.

Only positive impressions from the cooperation. I recommend NAWI Europe and Eduard personally as a professional and as an honest and responsible person.

Daryn Kozhyrbayev

Excellent support with payroll and bookkeeping. The team is responsive and knowledgeable.

Serhii Polyvanyi

Our company, specializing in web design, had the opportunity to collaborate with NAWI Europe a.s.  in key areas such as immigration law, legal advisory, and accounting services. This partnership has  been invaluable and allowed us to grow our business with confidence and peace of mind.
The team at NAWI Europe a.s. provided expert advice on immigration law, particularly regarding the employment of foreign workers. Additionally, they assisted us with the preparation and review of legal documents, ensuring the protection of our interests in contractual relationships. Their accounting consultancy enabled us to optimize our financial processes and ensure full compliance with tax and accounting regulations.
We greatly value their professional approach, their ability to promptly respond to our needs, and their clear communication of even complex legal and accounting matters.
Thanks to their support, we were able to focus on our core business activities and expand our client portfolio. We highly recommend NAWI Europe a.s. to any company seeking a reliable and experienced partner in legal, accounting, and specialized consultancy services.

FAQ

Why do banks turn down high-risk businesses?

Due to reputational and compliance risks: AML requirements, verification complexity, regulatory pressure. The key is proper document preparation and choosing institutions that specialise in your niche.

Which banks open accounts for crypto companies in the Czech Republic?

Most Czech banks refuse crypto companies without a VASP licence. With a licence, a number of banks are available. We determine specific options during a consultation following an analysis of your structure.

Can gambling companies open an account with a standard bank?

Licensed operators can, but the choice is limited. Unlicensed operators cannot. Specialised PSPs for gambling are also widely used. We select the optimal combination.

Where can a tobacco business open an account?

Provided you hold TPD licences, a number of banks are willing to work with you. It is important to present the business structure and supply chain correctly.

How can a defence company open an account?

You’ll need MPO ČR authorisations, a clear description of goods and clients, and the UBO structure. There are banks with compliance experience in the sector — we know who they are.

Where do platforms with adult content (18+) accept payments?

Traditional banks and standard PSPs (Stripe, PayPal) refuse. The solution is specialised EMIs and PSPs for adult content: Segpay, Verotel, CCBill and a number of others. We help set up the right infrastructure.

OPENING ACCOUNTS FOR HIGH-RISK BUSINESSES