Business bank account in Georgia
A business bank account in Georgia for a non-resident company: the file the bank actually approves
Registering the company takes a day; a bank account in Georgia for a non-resident is a separate underwriting. Georgian banks now ask who controls the company, where the money comes from and why it needs a Georgian account, and they usually expect signatories in a branch. Trustlex builds the file, prepares you for the questions and manages the process. No one can promise an approval, and we do not.
This route fits you if
- Your Georgian company has, or will have, real activity: clients, contracts, an operation that plausibly runs from Georgia or has ties to it.
- You can evidence the source of funds: personal bank statements for six to twelve months, contracts, invoices, payslips or an accountant's letter.
- At least one signatory can travel to Tbilisi, or the bank permits a properly authorised representative for your case.
- Your activity is not high-risk, or it comes with the compliance file a high-risk activity needs.
Hear the odds first if
- The company is a pure holding or shell with no Georgian activity. It is the hardest case, and we say so before you pay.
- The activity is licensed or high-risk and has no AML programme yet. Build the compliance file first. AML and KYC obligations
- You want a guarantee. Banks decide independently; a provider that guarantees an account is selling something else.
Itemised
What banking support costs
One fee for the file and the process. What the bank charges for the account is the bank's.
| Bank account opening assistanceFile review, purpose statement, source-of-funds pack, bank selection, appointment and follow-up; an optional benefit beside the Starter package, charged only if selected. Approval is the bank's decision | €500 |
| VAT at 18% on the service feeCharged on Trustlex work only | 18% |
| Registered address in active useOptional. Banks ask for a Georgian address that actually receives mail | €240 / year |
| The bank's own feesAccount opening, maintenance and transfer fees are paid to the bank | Set by the bank |
| Payment provider or e-money set-upOptional complement for day-to-day flows | Quoted |
Prices from the Trustlex price list of 2026-10-14.1. The fee buys the file and the process, not the decision, which belongs to the bank.
How it works
- 1
File review and honest odds
We read the company's documents and your description of the business and tell you which profile the bank will see: strong connection, partial, or none.
- 2
Purpose statement and source of funds
A one-page summary of what you do, who pays you and why a Georgian account, with the evidence behind it, and a consistency check of the charter, the extract and the ownership file.
- 3
Bank choice and appointment
Criteria differ between banks. We choose the one whose appetite matches your profile and book the appointment.
- 4
The visit, or a representative where permitted
Signatories usually attend in person. Where a bank allows it, a properly drafted authorisation lets a representative act.
- 5
Onboarding and the first large payment
New accounts carry internal limits. We prepare the contract, the invoice and the client evidence before the first significant payment so a review takes days, not weeks.
What banks typically ask for
- A valid passport for each owner, director and authorised signatory
- Charter, registry extract and ownership information
- Personal bank statements from the last six to twelve months, in English or another major language
- Proof of income or source of funds: contracts, invoices, payslips or an accountant's letter
- Evidence of a local address or presence where the bank asks for it
- A short written purpose statement with the expected transaction flows
Since 1 March 2026 a foreign national who carries out activity in Georgia as an individual entrepreneur needs a right-to-work authorisation unless an exemption applies, and in practice banks ask for proof of it when opening the related account.
Questions non-residents ask about a business bank account in Georgia
Is account opening guaranteed?
No. Each bank makes its own compliance decision. Trustlex prepares the file and manages the process; the decision is the bank's.
Do I have to visit Georgia?
Usually yes, often for each signatory. Fully remote corporate onboarding is limited and situation-specific. Plan on at least one trip, or on using an authorised representative where the bank permits it.
Why are applications refused?
No demonstrable connection to Georgia, a vague business description, documents that do not line up, no credible source-of-funds explanation, or a high-risk activity presented without its compliance file.
What if a bank says no?
Criteria differ, and a second bank may take a rebuilt file. Regulated e-money institutions and payment providers can cover day-to-day flows as a complement.
Is a Georgian bank account required by law?
No. Many companies use a Georgian bank for taxes and salaries; others use international providers. A local account makes paying Georgian taxes simpler.
How long does it take?
From the appointment, days to a few weeks depending on the bank and the file. The preparation before the appointment is what shortens it.
General information, not legal or tax advice. Fees reflect the Trustlex price list of 2026-10-14.1; rates, thresholds and registry practice reflect September 2026 and change. The route for your case is confirmed by a lawyer at review.
Read before you start
Know your odds before you apply
Book a call. You will leave it knowing which profile the bank will see and what the file needs before the appointment.