An important caveat: bank policies toward non-residents change. Conditions that applied a year ago may not match today's requirements. Check the current requirements on the bank's official website or by phone before visiting.
TBC Bank
TBC is Georgia's largest digital bank. The mobile app works in English, covers most everyday operations, and is considered one of the best in the region for ease of use. Wide ATM network across the country, Visa and Mastercard cards, SWIFT transfers supported. A good fit for those who want to manage finances primarily online.
For non-residents, the basic requirement is a foreign passport. In some cases, the bank may request confirmation of income source or the purpose of opening the account.
Bank of Georgia (BOG)
BOG has the largest branch network in the country. It works well for both individuals and companies: many entrepreneurs open a personal and a corporate account here at the same time. The mobile app also supports English. The bank actively works with foreign clients and has experience serving non-residents.
Credo Bank
Credo is a relatively small bank focused on small business and individuals. It often shows greater flexibility on document requirements for non-residents than the larger banks. A good option if you encountered difficulties opening an account at the other two.
Practical Tips
Bring your passport and several copies. If you have one, bring proof of your Tbilisi address (a rental agreement or a utility bill). For a corporate account, you will also need company documents.
Visit in the morning: queues at branches tend to be longer in the afternoon. If your Georgian is limited, check in advance whether the branch you plan to visit has an English- or Russian-speaking member of staff.
Can I open an account in a Georgian bank without a residence permit?
Yes. Most banks open accounts for non-residents on the basis of a foreign passport. A residence permit is not required, though having one may simplify the process.
Which bank is best for receiving international transfers?
All three banks support SWIFT transfers. Exchange rates and fees differ — compare the tariffs on the banks' websites before deciding.
Can I open a multi-currency account?
Yes, all three banks offer accounts in multiple currencies, including GEL, USD, and EUR.
Will I be refused if I just arrived and have no Georgian registration?
It depends on the bank and the individual account manager. Refusals happen but are not the rule. If one bank refuses, try another.
Can I open an account online without visiting a branch?
TBC and BOG offer partial online opening for Georgian residents. For non-residents without a Georgian ID, an in-person visit is generally required, though conditions change periodically.