TBC Bank · Georgia
00:00Tbilisi, local time
Opening a personal account at TBC Bank for international clients
A multi-currency account and card at one of Georgia’s two systemic banks
Support in opening a multi-currency account and a debit card at one of Georgia’s largest banks. Before the work starts we verify the client’s situation and the bank’s current requirements — we file only when the application has a realistic prospect.
BRIDGES GLOBAL service
from €2,500
The fee is fixed before payment. You pay after the preliminary check.
What the packages includeGEL · USD · EUR
Main currencies
For non-residents
Applications considered
In-person visit
Per current bank terms
OverviewTBC Bank
Key facts about the account
TBC Bank is one of Georgia’s two systemic banks: a full personal product line, English-language online and mobile banking, and international payment cards. The bank reviews non-resident applications under its own internal procedure: the outcome depends on citizenship, residency, source of funds and the account’s purpose.
- Account type
- Personal multi-currency
- Client
- Individual, including non-residents — per bank requirements
- Currencies
- GEL · USD · EUR
- Bank card
- Yes, per the selected bank product
- SWIFT
- Yes
- SEPA
- No: EUR payments run via SWIFT
- Georgian residence permit
- Not a mandatory condition
- In-person visit
- Usually required; scenarios confirmed before the project
- Timeline
- From several working days after a complete filing; depends on the bank’s review
- Minimum balance
- Checked for the selected product before the project starts
- Bank fees
- Set by the bank; shown before the work starts
- BRIDGES GLOBAL service
- From €2,500, fixed before payment
ProductsTbilisi
What you get with the account
- 01Multi-currency accountOne account with GEL, USD and EUR balances, in-bank conversion and app-based management. The core product for everyday banking and international transfers.
- 02Debit cardAn international payment-system card linked to the account’s currency balances. Physical and digital formats per the bank’s product line.
- 03Digital bankingOnline banking and a mobile app with an English interface: payments, conversion, statements and bank communication without branch visits.
- 04Savings productsDeposits and savings products are added to an active account. Rates and terms follow the bank’s current tariffs at opening.
Bank card
Debit card GEL · USD · EUR
Card issuance and maintenance terms are set by the bank. Before the project we confirm the current tariffs of the selected product.
Non-residentsGeorgia
For non-residents
Citizenship and residency are assessed together: the same passport with different countries of residence gives different outcomes. The bank reviews non-resident applications under an internal procedure, and preparation quality plays the key role.
- 01A Georgian residence permit is not a mandatory filing condition
- 02A clear account purpose and verifiable source of funds are the main review factors
- 03A pre-check before the visit reduces the risk of an on-site refusal
Check your citizenship
Statuses reflect review practice as of the verification date and are not a promise on the bank’s behalf. The bank makes the final decision on each specific application.
RequirementsWhat the bank looks at
What the applicant needs
The account opens personally to an applicant aged 18+ with a valid passport.
Everyday banking, savings, receiving income or spending in Georgia — the bank expects a specific answer to "why this account".
Income and origin of capital must be documented. We prepare this part of the file before filing.
The standard scenario is in-person presence at a branch. We coordinate the date and the branch in advance.
PreparationPersonal list - after the check
Documents for the bank
The exact list depends on citizenship, residency and source of funds: after the pre-check we send a personal list with samples.
Source of funds
Pick your main source — we show the documents the bank typically requests.
- Employment contract or employer letter
- Salary account statements
- Tax returns where applicable
PricingPayment — after the pre-check
Support packages
01
Personal account only€2,500
Multi-currency account and core support until the bank’s decision
02
Account + bank card€2,800
Adds card issuance and digital banking set-up
03
Account + extended support€3,400
Adds support for bank compliance requests for 6 months after opening
Included
- Preliminary check
- Personal document list
- Application and banking file preparation
- Visit booking and coordination
- Bank communication support
- Responses to additional bank requests
Not included
- The bank’s decision to open the account
- Bank fees and tariffs
- Minimum balance and deposits
- Third-party costs: translations, apostilles, travel
Process8 steps to the bank’s decision
How the account opening works
- 01Pre-check
We assess citizenship, residency, source of funds and account purpose — and say honestly whether the application has a prospect.
- 02Payment and project creation
Once the fit is confirmed we invoice the service. The project gets a number and a personal coordinator.
- 03Document collection
We send a personal list, verify each document and request anything missing in advance.
- 04Banking file
We build the file in the logic of compliance questions: source of funds, account purpose, expected operations.
- 05Filing and visit
We coordinate the date and branch, prepare the client for the bank’s questions and support the filing.
- 06Compliance review
The bank reviews the application. We answer additional requests and keep the client informed.
- 07Bank decision
The decision belongs to the bank. If declined, we analyse the reason and propose the next step — keeping the prepared file.
- 08Account and card
We help activate the account, the card and digital banking. On the extended package we stay available for bank requests.
Compliance
Compliance and source of funds
The bank assesses not the size of the capital but its clarity: where the funds come from, what the client does, what operations are planned. We prepare the file in this logic before filing, so most compliance questions close in advance rather than in correspondence after the visit.
The final decision on opening the account, issuing the card and providing banking products belongs to the bank. BRIDGES GLOBAL provides consulting and support services and does not guarantee a positive bank decision. Payment is made for BRIDGES GLOBAL services in preparing and supporting the project.
PracticeGeorgia
How such projects run
QuestionsTBC Bank
Account opening questions
The bank reviews non-resident applications under an internal procedure. The outcome depends on citizenship, country of residence, source of funds and account purpose. Before the work starts we check your situation and say whether the application has a realistic prospect.
No, a residence permit is not a mandatory condition. That said, ties to the country — living, property, business or regular spending in Georgia — strengthen the application.
The standard scenario is an in-person branch visit. Certain remote scenarios exist, but their availability depends on the client’s situation and the bank’s current terms: we verify this at the pre-check stage.
The base set is a passport, proof of address, proof of employment or business and source of funds documents. The exact list depends on your situation: after the pre-check we send a personal list.
Yes, a debit card of an international payment system is issued with the account — physical and digital, per the bank’s product line. Issuance and maintenance follow the bank’s tariffs.
The main account currencies are GEL, USD and EUR with in-bank conversion. Other currencies are checked against the bank’s current line-up.
SWIFT — yes, it is the main channel for international transfers. Georgia is not part of SEPA, so euro payments run through the bank’s SWIFT correspondents.
With documents matching your source: salary, business, dividends, asset sales, investments or inheritance. The Documents section shows typical sets; we prepare a personal list after the preliminary check.
With a complete document set — usually from several working days. The timeline depends on the depth of the bank’s review and may extend if additional requests arise.
That is a normal part of the process. Responses to bank requests are part of the service: we prepare documents and explanations in the logic compliance teams expect.
The preliminary check, a personal document list, application and file preparation, visit coordination and bank communication support. Bank fees, minimum balances and third-party costs are not included and are always shown separately.
Payment covers BRIDGES GLOBAL’s preparation and support work, not the bank’s decision. That is why we start with a free pre-check and do not take on applications without a realistic prospect. Termination terms are fixed in the agreement before payment.
We file the application when it has a real prospect
First we check citizenship, residency and source of funds. If the bank’s practice leaves little chance, we say so before payment and suggest another bank.
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