---
title: "Non-Resident Bank Account Opening in Georgia — Document Package & Representation"
url: "https://legal.ge/en/service/banking-and-finance-law-en/non-resident-bank-account-opening-in-georgia-document-package-and-representation-en"
field: "Banking & Finance Law"
description: "Non-resident bank account opening in Georgia: the procedure, KYC and FATCA/CRS steps, document package and filing — with a lawyer on Legal.ge."
updated: "2026-10-15"
publisher: "legal.ge"
---

# Non-Resident Bank Account Opening in Georgia — Document Package & Representation

> Source: legal.ge, https://legal.ge/en/service/banking-and-finance-law-en/non-resident-bank-account-opening-in-georgia-document-package-and-representation-en

## The Legal Framework — What Governs the Opening Procedure

In Georgia a commercial bank carries out the account-opening procedure under the Law on the Activities of Commercial Banks: the procedure follows the Law on the Facilitation of the Suppression of Money Laundering and the Financing of Terrorism, the intergovernmental agreement implementing the Foreign Account Tax Compliance Act (FATCA), and — under the wording now in force — the international agreement on the automatic exchange of information on financial accounts (CRS). At the same time, the relationship between a client and a bank regarding banking services is regulated on a contractual basis, and where no rule of the National Bank of Georgia exists, the bank acts in accordance with international banking norms and practices. The honest starting point is this: no law gives anyone an entitlement to have an account opened. A commercial bank operating in Georgia has the right to refuse to open an account or to provide services without stating any justification at all — save for the obligation defined by the law on the payment system and payment services, where fulfilling it does not violate the anti-money-laundering legislation. That is precisely why the quality of the first application matters: a well-documented client is a calculable risk for the bank, while a thin file is an invitation to refuse.

The full text is available on legal.ge after signing in: https://legal.ge/en/service/banking-and-finance-law-en/non-resident-bank-account-opening-in-georgia-document-package-and-representation-en

### Which law governs opening a non-resident's account?

The opening procedure follows the Law on the Activities of Commercial Banks, the anti-money-laundering law and the FATCA/CRS agreements; the relationship itself is contractual, so the bank may refuse without stating a reason.

### Is the document list the same in every bank?

No — the law sets no closed list, and banks may request additional information on their own. A given bank's list is its published policy and must be verified with that bank — we do this step for you.

### What must be done with documents issued abroad?

Foreign documents and their translations are legalised in the manner established by Georgian legislation — by apostille and the appropriate form of translation; this chain is a mandatory part of the package.

### What happens if the bank refuses?

We analyse the likely grounds — identity, origin of funds, risk level or the FATCA/CRS declaration — correct the file and proceed with a documented re-application or through an alternative bank.