Georgian Banking
Bank outside
the EU.
A Georgian account gives suitable clients a second banking relationship outside the EU, without replacing the accounts they already use.
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Earn 10%+ on your savings
Selected GEL term deposits currently reach 10.70% effective annual interest.
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Personal banking
Put longer-term savings to work without moving your everyday banking.
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10%+ on selected GEL depositsA very different savings market from the rates many European savers are used to.
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Choose a term that suits youKeep everyday money accessible and place longer-term savings separately.
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Keep the bank you already useYour Georgian account can sit alongside your existing personal banking.
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Hold money in another jurisdictionUseful if you do not want all of your cash dependent on the same banking system.
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Business banking
Give surplus company cash a job while keeping operating money separate.
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Earn interest on cash reservesMoney not needed for day-to-day costs can be moved into a term deposit instead of sitting idle.
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Separate reserves from operating cashKeep working capital available while putting longer-term funds somewhere more productive.
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Add a second business bankReduce the amount of company cash tied to one provider or one banking jurisdiction.
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Bank internationallyGeorgian business accounts can sit alongside your existing international payment setup.
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Greater flexibility for a global life
Your EU bank doesn't have to be your only bank.
A second banking relationship can reduce your dependence on one provider and give you another route for international payments or foreign-currency holdings.
Georgia is one option, not an automatic recommendation. The bank still needs to be comfortable with your background, source of funds and intended use of the account.
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American Express in Georgia
More choice in how
you pay.
Bank of Georgia offers American Express cards. If Amex is part of what you want from a Georgian banking relationship, we can help check your eligibility and prepare the application.
Cards, credit limits and benefits depend on the bank’s current terms and approval. Opening an account does not automatically qualify you for a card.
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A banking option for international clients
Who we work with
Georgian banking is added when there is a clear reason for it in the wider setup. Suitability is checked before you spend time gathering documents for an application.
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Founders
Business owners who want another banking relationship for legitimate international activity.
Directors
Directors whose commercial activity involves more than one country, currency or banking provider.
Freelancers
Independent professionals receiving legitimate income from clients in different markets.
Investors
Internationally mobile clients who want banking separated from a single domestic relationship.
The application
How it works.
01Start with the reason for the account
The account needs a clear purpose, and the client profile needs to be one a Georgian bank is likely to accept.
02Check whether Georgia is the right fit
Your residency, income and business activity are reviewed before we ask you to complete forms or assemble a compliance file.
03Prepare the application properly
The evidence is organised around what the bank is likely to request, so the relevant context is covered before the application goes in.
04Stay involved through onboarding
Follow-up questions are dealt with during the bank's review, rather than leaving you to interpret the compliance requests on your own.
Important to understand
Not a secret account.
A Georgian bank account is a normal bank account in another jurisdiction. It does not make income invisible and it does not remove tax, disclosure or reporting obligations that apply to you.
We only support legitimate banking needs and applications that can be properly evidenced.
- Transparent KYC and source-of-funds review
- Subject to the bank's compliance process
- Tax and reporting obligations still apply
- GEL deposits also introduce foreign-exchange exposure
Account opening is always subject to the bank's approval.
Higher GEL returns come with currency risk. We'll help you decide whether holding GEL actually makes sense for you.
