Actually, you do need to visit Estonia if you need to open up a bank account with a bank there to go satisfy the AML and KYC requirements. I think one bank will let you use partner banks in a European-wide network, but I haven&#x27;t tested this.<p>I am aware that by the end of the year they may be relaxing the requirement to visit a branch in Estonia for lower-risk clients. I&#x27;m not sure how they&#x27;re going to get through the AML and KYC assessment though.