Caye International Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
Caye International Bank suits dollar savers who want online access and a prepaid card from the same institution, rather than a UK easy-access account. The headline rate of 0.1% to 0.5% sits well under the 3% comparison figure, and the account needs $3,000 to open.
Key facts
- Best for
- Dollar savers who want easy-access terms, online access around the clock and a prepaid card on visa.
- Monthly fee
- $19.50 to $21.50↗
- Card type
- Prepaid↗
- Card network
- Visa↗
- Legal entity
- Caye International Bank Limited↗
- Headquarters
- Belize↗
- Founded
- 1996 to 2003↗
- Support channels
- Email, Phone, Help-centre↗
- Official website
- cayebank.bz
Savings
- Headline rate
- 0.1% to 0.5%↗
- Rate type
- Variable↗
- Minimum deposit
- $3,000↗
- Access terms
- Savings account: online access 24/7, no notice period; bonus interest if at least $10,000 deposited every quarter with no withdrawals in that period↗
- Account kind
- Easy access↗
Facts checked September 26, 2026, 6 sources
Pros and cons
Pros
- The savings account is easy access, with online access at any time and no notice period, so nothing has to wait.
- A prepaid card on visa keeps spending and saving in the same place rather than across two providers.
- The rate is variable, so 0.1% to 0.5% can move with the market instead of being locked for a term.
- Support runs on email, phone and help centre, giving phone and email contact as well as a help centre.
Cons
- Monthly fees of $19.50 to $21.50 are an extra cost against 28.6% of the accounts listed on the site that charge none.
- A minimum deposit of $3,000 puts the account out of reach for anyone saving in smaller sums.
- Help runs on email, phone and help centre only, with no live chat for a quick answer inside the app.
Who it suits
- Dollar savers who want an easy-access account they can reach online at any time.
- People willing to leave a balance untouched over a quarter so the bonus interest can be paid.
- Customers comfortable banking with a Belize-based institution under the Central Bank of Belize.
Who should look elsewhere
- Anyone after a higher easy-access return, since Caye pays 0.1% to 0.5% against a 3% comparison figure, and Wise is the alternative to weigh.
- People who want a debit card tied to a bank balance, since bunq issues debit where Caye's card is prepaid.
- Savers without $3,000 to put in, or shoppers wanting the credit-building route the Varo Believe Secured Credit Card takes.
How Caye International Bank compares
8.9 vs 9.4
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 9.4
8.9 vs 8.7
8.9 vs 9.2
8.9 vs 9.4
8.9 vs 8.7
8.9 vs 9.3
8.9 vs 8.9
8.9 vs 8.6
8.9 vs 9.2
8.9 vs 8.4
8.9 vs 8.5
8.9 vs 8.8
8.9 vs 9.0
8.9 vs 8.6
8.9 vs 8.3
8.9 vs 9.5
8.9 vs 9.4
8.9 vs 9.4
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 8.8
8.9 vs 8.7
8.9 vs 8.5
8.9 vs 8.4
8.9 vs 8.0- 8.9 vs 8.0
Where Caye International Bank is available
- Available
- Belize
- Licence in Belize
- Central Bank of Belize, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does the Caye savings account pay?+
The savings account pays a variable rate of 0.1% to 0.5%, so the figure can move rather than staying fixed for a term. The typical headline rate across the accounts listed on the site is 3%, and most of those accounts are variable too, which is the model Caye follows.
How much do I need to deposit to open the account?+
The minimum deposit is $3,000, and the account is quoted in US dollars, so that is the amount to hold from the start. The account is run online rather than in branch, which makes the opening deposit the real starting point rather than a formality.
What does the account cost each month?+
There is a monthly fee of $19.50 to $21.50 on the account, and 28.6% of the accounts listed on the site carry no monthly charge at all. The prepaid card also adds a top-up fee, so loading money onto the card is a separate cost from holding the savings account.
Who regulates Caye International Bank?+
Caye International Bank operates as Caye International Bank Limited and sits in Belize, regulated by the Central Bank of Belize. Deposits are held with a Belizean bank rather than a UK one, so any deposit protection follows Belizean rules instead of a UK guarantee.
Can I withdraw money whenever I want?+
Yes, the account is easy access, with online access at any time and no notice period, so no waiting period applies before money moves out. The trade-off sits with the bonus interest, which is paid only when money stays untouched through a full quarter with no withdrawals.
What card comes with the account?+
The card is prepaid and runs on the visa network, so it is loaded with money rather than spending a bank balance directly. Prepaid cards are the smaller share of the accounts compared here, at 17.8%, which suits a single currency setup.
How do I get help if something goes wrong?+
Support runs on email, phone and help centre, so email, phone and a help centre, with no live chat in the app. A help centre is the most common channel across the accounts listed, at 79.6%, and phone support is close behind it.
Will the money actually stay in the account?+
Across the products compared on the site, balances are typically lost at a rate of 70.15%, so plenty of easy-access accounts are opened and then left dormant. Treat the $3,000 deposit as money that may be wanted elsewhere rather than savings for the long term.
Sources
- cayebank.bz checked September 26, 2026
Backs: Headquarters
“Caye International Bank in Ambergris Caye, Belize”
- cayebank.bz/about-us checked September 26, 2026
Backs: Founded
“Caye's history began in 1996 as a Belizean mortgage company ... This was granted on September the 29th, 2003 when Caye received an unrestricted Class A - International Banking License from the...”
- cayebank.bz/faq checked September 26, 2026
Backs: Account kind, Support channels
“a demand deposit account gives you more access in transferring to and from your account”
- cayebank.bz/prepaid-visa-card checked September 26, 2026
Backs: Card type, Card network
“Prepaid Visa Card”
- cayebank.bz/savings-accounts checked September 26, 2026
Backs: Access terms, Headline rate, Minimum deposit, Monthly fee, Rate type
“Earn bonus interest when you deposit at least $10,000 every quarter, and make no withdrawals within this period.”
- electronicpaymentsinternational.com checked September 26, 2026
Backs: Legal entity, Licences
“Caye International Bank Limited (CIBL), a Central Bank of Belize regulated lender”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Related by the facts
Caye International Bank
Dollar savers who want easy-access terms, online access around the clock and a prepaid card on visa.