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Credo Bank account
Open a personal account at Credo Bank without visiting Georgia. Full support from document preparation to card delivery.
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Account opening through Credo Bank
Open a bank account in Georgia remotely
We help you open an account and card at Credo Bank without being physically present. For many clients, this is one of the clearest and easiest ways to open a bank account in Georgia.
Why Credo Bank? Credo Bank is the most foreigner- and expat-friendly bank in Georgia: a personal manager available for direct communication, a convenient mobile app, and minimal bureaucracy.
Free consultation, reply within 24 hours
No in-person visit
Full support
In your language
CREDO BANK
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Card HolderVISA
Services for opening an account, sole trader, or LLC in Georgia
We work with Credo Bank and TBC, and register sole traders and LLCs remotely by power of attorney — end to end, at a fixed price
TBC Bank account
Open a personal account at TBC Bank without visiting Georgia. Full support with the application, verification, and card delivery.
Sole trader registration
Register as a sole trader in Georgia with the 1% small business tax regime. A good fit for freelancers and those working with foreign clients.
LLC registration
Full company registration in Georgia: charter, founding documents, legal address. Suitable for international business.
Clients who contact us directly through this website receive a guaranteed discount — up to $200 off the listed price. Direct contact skips intermediary partners in the referral chain, so we pass part of that margin back to you.
Combine services and save more. 2 services in one request — 20% off. 3 services — 30% off. Applies the same whether you register in person or remotely.
Registering in person in Georgia? Taxi transfer, one visit to sign the power of attorney, we handle the rest, and your request skips the queue.
Strong rates
Competitive conversion rates in Credo Bank
One of Credo Bank's advantages is competitive currency conversion. Its USD/GEL spread is noticeably better than many alternatives, which matters if you convert funds regularly.
Example: USD/GEL rate on April 6, 2026
Credo Bank
Spread: 0.014 GELBetter
Bank of Georgia
Spread: 0.064 GEL
A tighter spread means conversions through Credo Bank are often more cost-effective.
Better USD/GEL conversion rates
Lower spread when exchanging currencies
Savings on regular transactions
About 4.5x better
Spread for USD/GEL conversion in Credo Bank
0.014
Credo Bank
0.064
Bank of Georgia
Credo Bank offers some of the strongest conversion terms among banks in Georgia.
Why clients choose Credo Bank specifically
What's actually different about Credo's own account terms, not a general description of banking in Georgia
No minimum deposit
You can open the account empty and fund it later — Credo doesn't require a minimum balance on day one.
Usable the same day it's opened
As soon as the account is opened, you can log into the mobile app and start using it — there's no separate activation wait.
Support in your language
We handle communication with Credo on your behalf, in Russian or English, so you're not relying on the bank's own language support.
Apostille is still required
Even with a short document list, Credo's KYC checks mean the power of attorney still needs a notary's signature and an apostille or legalization — we prepare the wording so it isn't rejected.
Minimal document list
In practice, a foreign passport and the notarized power of attorney are usually enough — Credo rarely asks for proof of income.
One package-based fee
Maintenance is a monthly fee tied to the package you choose, deducted automatically from the balance, instead of a series of per-transaction charges.
How opening a Credo Bank account works
The steps specific to Credo — not a generic five-step description
01
Request
Contact us via Telegram or the website form and mention you're interested in Credo Bank specifically.
02
Consultation
We confirm which Credo account package fits your expected usage and what the monthly fee looks like for it.
03
Preparation
Credo's document list is short: a foreign passport and a notarized, apostilled power of attorney for your representative. Proof of income is rarely requested.
04
Application
We submit your application to Credo and support you through verification — Credo's KYC still requires the apostille on the power of attorney even though the rest of the paperwork is minimal.
05
Ready to use
The account and mobile app are ready as soon as the account opens — there's no separate waiting period before you can log in and start using it.
What's included when opening a Credo Bank account
Specific to Credo's own process, package fees, and minimal document list
Consultation on Credo's account packages and their monthly fees
Preparation of Credo's minimal document list
Translation and notarization of the power of attorney for Credo's KYC
Submission of the application directly to Credo Bank
Support through Credo's verification — proof of income is requested only in rare cases
Day-to-day communication with Credo on your behalf
Setup help for the Credo mobile app, active from day one
Guidance on receiving and activating the Credo card
Explanation of how Credo's package fee is applied to your account
Support after opening, including questions about your chosen package
Document preparation100%
Submission to the bank100%
Verification75%
Receiving the card75%
No minimum deposit — the account and app are usable as soon as it's opened
Card delivery typically follows within the timeframe your chosen package requires
Who a Credo Bank account specifically fits
Based on what's actually different in Credo's terms, not a generic description of Georgian banking
Freelancers who can't easily prove foreign income
Credo rarely asks for income statements, which matters if clients pay irregularly or through platforms that don't issue clean invoices.
Relocants who want to start light
No minimum deposit means you can open the account before moving any real money into Georgia, then fund it once you arrive.
Entrepreneurs registering a sole trader or LLC
A Credo account alongside the 1% sole trader regime is one of the most common combinations among our clients.
Clients who want the shortest paperwork
A foreign passport and an apostilled power of attorney are usually enough — one of the shortest document lists among the banks we work with.
Businesses that want a predictable monthly cost
Credo's package-based maintenance fee is fixed and known upfront, instead of a series of per-transaction charges.
Frequently asked questions about opening an account in Georgia
Answers to popular questions about remote bank account opening
Why do you focus on Credo Bank for opening an account in Georgia?
We focus on Credo Bank because for many clients it is one of the clearest and most practical options. The bank tends to make decisions quickly, communication is straightforward, and the process involves less bureaucracy than many alternatives. In 99% of cases, Credo Bank turns out to be the ideal choice for foreigners.
Can an account be opened in other banks in Georgia?
Yes, but other banks in Georgia often come with additional restrictions, extra nuances, or more complex requirements. If you are interested in a specific bank, contact us and we will assess what is realistically possible in your case. For most standard situations, Credo Bank remains the simplest option.
Do I need to come in person to Georgia to open an account?
No, if you choose the remote account opening service, a personal visit is not required. The entire process takes place online. However, for some account types or at the client's request, we also offer personal assistance in Tbilisi.
What documents are needed to open an account in Georgia?
Just a foreign passport with a notarized translation, and a properly executed power of attorney for your representative — we provide ready-made wording that your notary can use directly. The bank may in some cases request proof of income, but even without it there are alternative ways to confirm it. Any other documents depend on your situation — we let you know in advance.
How long does remote account opening in Georgia take?
A typical timeline looks like this: 1-2 days for preparation, around 3 business days to open the account at Credo Bank, and 3-7 days for card delivery. In terms of timing, this is one of the faster options among banks in Georgia. For business accounts and company registration, the process can take a bit longer and we discuss that individually.
Does the new Georgian work permit law affect account opening?
New work permit requirements took effect in Georgia on March 1, 2026. Even if you are physically in Georgia, as long as you do not work with Georgian residents, this does not stand in the way of opening an account or running your business — everything remains accessible as before. If you work with Georgian residents, we recommend clarifying your status in advance. Official information: labourmigration.moh.gov.ge
Can I open an account in Georgia if I am not a resident?
Yes, accounts in Georgian banks are available to non-residents. This is one of the advantages of Georgia's banking system. You do not need a residence permit or citizenship of the country to open a personal or business account.
Are there hidden fees or additional costs?
Our prices on the website are fixed and already include all government fees and any unexpected costs that come up during processing — you won't pay extra for that. The only separate costs are shipping the power of attorney to us and delivering the finished document package back to you — this depends on your country and delivery method, and we quote it upfront during the consultation.
How is the bank card received?
After the account is opened, the bank issues a card in your name. The most popular option for our clients is courier delivery to your country — usually around 3-7 days. We help arrange the delivery and keep you informed of current timelines.
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•Reply within 24 hours•Case implementation planningRemote account opening in Georgia through Credo Bank
Georgian legislation does not restrict foreign nationals from opening bank accounts: neither a residence permit nor proof of local income is a mandatory requirement. Georgia's banking system is regulated by the National Bank of Georgia and meets international standards. As a result, a non-resident can open a fully functional bank account here with SWIFT details.
Among Georgian banks, we primarily work with Credo Bank. Compared with many other banks in Georgia, Credo Bank is better suited to foreign clients: it typically does not require proof of local income and tends to handle verification for CIS clients more smoothly.
What a Credo Bank account gives you in practice
Credo Bank is a licensed commercial bank supervised by the NBG. Accounts are available in multiple currencies: Georgian lari (GEL), US dollars (USD), and euros (EUR). The bank works with Visa and supports SWIFT transfers. In practice, this gives you a full bank account for international payments, not just a digital wallet.
A Credo Bank account covers use cases that Wise or Revolut cannot: receiving SWIFT payments from foreign companies, working with payment systems and marketplaces that require a real bank account, and opening a business account for a Georgian legal entity or sole trader. The Visa card works in countries where Russian and Belarusian cards are currently not accepted.
The legal mechanism behind remote account opening
The legal basis for remote account opening is a notarized power of attorney for a representative in Georgia. You have it drawn up by a notary in your home country — the document authorizes the representative to act on your behalf when opening the account. This is standard international legal practice and in no way limits your rights as the account owner.
In most cases, a foreign passport is sufficient as the primary document. The bank conducts verification remotely. Proof of address, income statements, and other supporting documents are only requested in specific situations — we always notify you in advance and help prepare what is needed.
Who a Georgian bank account solves real problems for
Freelancers and IT professionals working with international clients use Credo Bank accounts to receive USD and EUR payments via SWIFT. Entrepreneurs who register as a sole trader in Georgia gain access to a preferential small business tax regime. Relocants often open accounts before moving so they have a working card from day one.
A Georgian bank account is not a replacement for Wise or Revolut — it complements them: it provides full bank status, a physical Visa card, and SWIFT credentials for international settlements. If you are considering opening an account, write to us and we will assess your situation for free.