Even in the case where you would obtain a bank license, your bank would have to have a actual office in the country of licensing with full time staff and day to day management due to regulations such as the US Patriot Act.
 

Off-shore banking
A very attractive option which is available again available is the Swedish Credit Union. New formations of these entities were not available for some time, but we can now offer this highly respected entity again. The CU can take deposits, make loans and offer financial services in general to clients worldwide. There is no paid up capital requirements as long as the CU has 1000 or less members (clients) at all times. This entity can issue CD´s, offer savings and checking accounts, make loans etc just like a fully licensed bank. It has the added benefit of being registered in Sweden, a highly respected jurisdiction and a full member of the Eurpean Union. The entity is not covered by the US Patriot Act and you would be able to open accounts in Sweden and elsewhere without setting up a physical presence there.