One account. Anywhere you are.

Your everyday account, wherever you live. Zero monthly maintenance fee. Hold AED, USD, EUR, GBP, and major GCC currencies alongside a linked crypto wallet in a single dashboard. Onshore clients will receive a UAE IBAN and access local UAE payment rails including Aani instant payments and SWIFT. Offshore clients will receive multi-currency account details under GHB's DIFC/ADGM entity. Unlimited transfers via the GHB app within your perimeter. A virtual debit card issued upon verification.

For professionals with higher transaction volume and multi-country financial lives. Everything in Core, plus preferential FX rates, elevated ATM withdrawal limits, a metal debit card, and fee-free international transfers to selected corridors. Multi-currency virtual accounts for receiving funds like a local in AED, USD, EUR, and GBP.

For high-net-worth individuals with cross-border wealth. A dedicated digital relationship manager, bespoke crypto custody limits, priority processing for large fiat-to-crypto conversions, and access to structured deposit products. Portfolio-level reporting across fiat and digital assets, regardless of where you are resident.

What makes GHB different for international clients: You bank with a Dubai-regulated institution through a perimeter built for you. International clients will be served through GHB's intended offshore DIFC/ADGM entity - an English common-law banking environment with its own regulator (DFSA or FSRA), its own courts, and its own conduct-of-business rules - without needing to establish a separate offshore company, trust, or nominee arrangement in another jurisdiction. UAE residents are served through GHB’s intended onshore entity, subject to CBUAE authorisation. Both intended perimeters would give customers multi-currency capability and native crypto access; the difference is the regulatory framework and the eligibility rules.