Our primary retail offering

Bank account available to everyone that pairs a debit card with a full-reserve current account designed for the 21st digital economy and financial freedom.

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The Commonwealth Reserve System is financially inclusive connecting people financially across the world.

  • 🌍 Socially accountable: A diversified & decentralised full-reserve system committed to financial inclusion & equitable access, empowering underserved populations.
  • 🔗 Operationally interconnected: A globally integrated structure supporting cross-border growth, systemic transparency, and resilience via coordinated local nodes.
  • 💼 Tax efficient: Designed to legally minimise tax exposure while maintaining full onshore banking compliance and transparent regulatory standing.
  • 📈 Growth oriented: A streamlined KYC process within a common-sense AML program - strict where necessary, but intentionally narrow and proportional.
  • 🖥️ Technologically advanced: Quantum-secure encrypted global networks and AI-based financial instruments to enable modern, risk-optimized asset operations.
  • 🔒 Privacy minded: Adherence only to legally required due diligence – no investigation of funds source beyond necessity, preserving client dignity and autonomy.

If you are an individual you can open a Current Personal Reserve Account.

It's free, available in multiple currencies including crypto and gives you access to the Commonwealth capital markets.

CBAN is a standardised, full-reserve universal account identifier designed specifically for the Commonwealth decentralised retail banking network.

Built on Commonwealth Blockchain, the transparent Open Banking, blockchain-enhanced ledger allows CBAN to have nearly instantaneous settlement, immutability of records, and end-to-end visibility and thus eliminating reconciliation delays and reducing transaction costs.

Whether you’re sending funds from Athens, Greece to Austin, US or between EU member states, your CBAN guarantees a seamless, real-time borderless experience worldwide, backed by the Commonwealth’s full-reserve decentralised deposit guarantee.

Beyond industry standard cashback and reward points, the PLEX debit/credit card adds Cashrewards — an AI calculated monthly benefit (median monthly benefit up to  €120) on spending in food, groceries, utilities, clothing, telecoms and medicine. Within that limit, cashrewards covers up to 50% of each transaction and, for low income grant recipients, up to 100%. Profits from card transaction processing fund these cashrewards instead of shareholder dividends, making PLEX Europe’s truly financially inclusive alternative to the current incumbents.

Acceptance of PLEX is growing daily, and it is accepted anywhere where Commonwealth Pay is accepted and where merchants have incorporated acceptance on their website via API. Please see the PLEX directory for more information.
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Current Premium Reserve Account

Costs 9 EUR monthly and has a minimum deposit of 100 EUR to upgrade.

Additional benefits:
  • PLEX: 1 physical card & multiple virtual
  • VISA: 1 virtual / physical card

Our approach to banking is what the world needs in the 21st century. We are decentralised, have a common-sense compliance model and we care about your financial prosperity by creating equitable financial products like PLEX.

Frequently Asked Questions

Your demand deposits are never lent out. Withdrawable funds remain 100% backed, geo-redundant and immediately accessible. This is not just a bank - it’s a safe house for capital.

Just fill in a basic form or apply online, plus provide a valid passport (and certificate of incorporation if opening a corporate account). Our seamless onboarding ensures quick account setup. No nonsense compliance.

🔑 Trustworthy. Inclusive. Freedom based.

With Commonwealth Reserve, you’re not just opening an account. You’re securing financial independence and freedom backed by conservative values, regulation-compliant and growth-oriented banking framework – all in one place.