Free if you’re in Georgia. From $250 if you’re abroad — and you pay only after your account is open.
Bank of Georgia and TBC Bank. Same banks, same personal bank manager — pick what fits.
Three banks, one one-time opening fee — SOLO $250, TBC Concept $250, Credo $350. SOLO and TBC Concept are fully online; Credo opens by power of attorney. Full comparison below.
Monthly fees are set by and paid directly to the bank. USD figures are approximate — charged in GEL. Full side-by-side comparison below.
No power of attorney or visit to Georgia is required. Complete the process remotely and receive your cards at your address where delivery is available.
Complete a short application form and provide the required information.
mono checks your information, prepares your case and submits it to Bank of Georgia.
Verify your identity online with the bank. No branch visit or power of attorney.
Get access to your account and mobile banking. Your physical cards are delivered to your address.
No power of attorney or visit to Georgia is required. Complete the process remotely and receive your cards at your address where delivery is available.
Complete a short application form and provide the required information.
mono checks your information, prepares your case and submits it to TBC Bank.
Verify your identity online with the bank. No branch visit or power of attorney.
Get access to your account and mobile banking. Your physical cards are delivered to your address.
Credo accounts are opened through an authorized representative in Georgia using a notarized power of attorney. We prepare and submit your case and a banker guides you to the decision.
mono gives instructions and checks the document, then you have it notarized.
Courier the notarized power of attorney to Georgia, where your representative receives it.
An authorized representative files your application with the bank in Georgia.
The bank contacts you by email or messenger with any questions — reply and wait for its decision.
Once approved, the representative opens your account. Get access to MyCredo online banking; physical card delivery is arranged separately where available.
The moment you apply, we connect you directly with a personal manager at the bank. They lead the whole process, answer your questions, and stay with you until the account is open.
No middleman guessing on your behalf — you're talking to the people who actually open the account.
No surprises. Here's exactly what the fee covers — and what it doesn't.
The full breakdown, so you can pick the right bank at a glance.
| Bank of GeorgiaSOLO | TBC BankConcept | Credo BankCredo | |
|---|---|---|---|
| Our fee to open | $250 | $250 | $350 |
| Account opening | 100% online | 100% online | By power of attorney |
| Power of attorney | Not needed | Not needed | Required |
| Card delivery | $0–$140 · separate | $40–$140 · separate | Digital card only |
| Monthly bank fee (from) | 55 GEL/mo | 25 GEL/mo | 30 GEL/mo |
| Monthly plans | Premium 55 · Club 80 GEL | Concept 25 · Concept 360 50 GEL | Rcheuli · 30 GEL/mo |
| Annual plans | — | Concept 250 · Concept 360 500 GEL/yr | Rcheuli · 300 GEL/yr |
| Family tariff | — | 360: spouse/child 50 GEL/mo (1 yr) | — |
| Multi-currency account & IBAN | ✓ | ✓ | ✓ |
| Cards | Visa Platinum · MC World Elite · Visa Signature · AmEx Platinum | Digital + international · Travel Card on 360 | Visa Platinum · digital |
| Airport lounges | ✓ (Premium & Club) | ✓ (360 / higher tiers) | ✓ |
| Interest on card balance | 2–4% | — | — |
| Investing in the app | Free investment account | From $1 · 9,000+ US stocks | — |
| SWIFT transfers in app | ✓ | ✓ | ✓ |
GEL fees are paid directly to the bank. TBC shown at expat pricing. Figures may change — confirmed with the bank at signup.
| BusinessSOLO | BusinessConcept | BusinessCredo | |
|---|---|---|---|
| Our fee to open | $250 | $250 | $250 |
| Account opening | By power of attorney | By power of attorney | By power of attorney |
| Business card | Digital | Digital | Digital |
| Monthly business fee (from) | Set S · 5 GEL/mo | from 5 GEL/mo | Universal · 5 GEL/mo |
| Multi-currency account & IBAN | ✓ | ✓ | ✓ |
| International transfer (from) | Set by the bank | 0.2% · min $15 · max $500 | 0.2% · min $15 |
Business accounts open by power of attorney; each bank sets its own monthly fees. TBC shown at business/expat pricing. Figures may change — confirmed with the bank at signup.
Card delivery is $0–$140 for SOLO and $40–$140 for TBC, depending on the product and destination country. Typical delivery times: