GBTI review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
GBTI is a straightforward bank for Guyana residents who want everyday spending, with an easy access account, a GYD 200 monthly charge and free ATM withdrawals. Borrowing runs alongside at 8% to 14%, so personal, car and secured lending can sit with the same lender.
Key facts
- Best for
- Everyday banking with a Mastercard debit card and free ATM withdrawals.
- Monthly fee
- GYD 200↗
- Free ATM withdrawals
- GYD 0↗
- Card type
- Debit↗
- Card network
- Mastercard↗
- Legal entity
- Guyana Bank for Trade and Industry Limited↗
- Headquarters
- Guyana↗
- Founded
- 1987↗
- Support channels
- Phone↗
- Features
- Multi-currency
- Official website
- gbtibank.com
Loans
- APR
- 8% to 14%↗
- Loan amount
- GYD 50,000 to GYD 3,000,000↗
- Term
- 6 to 60 months↗
- Arrangement fee
- GYD 4,000 application fee on ordinary loans and overdrafts up to GYD 3,000,000; express loans up to GYD 3,000,000 cost GYD 3,000↗
- Funding time
- Approval typically within 3-5 days↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Free early repayment
- No↗
- Origination fee (%)
- 0.75%↗
- Loan types
- Personal, Car, Secured↗
Savings
Mortgages
- Initial rate
- 3%↗
- Fixed period
- 30 years↗
- Maximum loan to value
- 90% to 95%↗
- Product fee
- GYD 4,000↗
- Purpose
- Purchase, Remortgage, First-time-buyer↗
Facts checked September 26, 2026, 7 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Free ATM withdrawals, with a free allowance of GYD 0.
- A debit card on the mastercard network, issued on opening, with multi currency features.
- Opening needs GYD 5,000, on an easy access account with a variable rate.
- Direct lending at 8% to 14% across personal, car and secured loans of GYD 50,000 to GYD 3,000,000.
Cons
- Support runs on phone only.
- Free early repayment is not among its terms, so settling a loan ahead of schedule carries a charge.
- Borrowing adds a product fee of GYD 4,000 and an origination charge of 0.75% on top of 8% to 14%.
Who it suits
- Guyana residents who want everyday spending and cash access in one place, with a Mastercard debit card issued on opening.
- Borrowers taking personal, car or secured loans straight from the bank, at rates of 8% to 14% over terms of 6 to 60.
- Homebuyers looking at a 3% initial rate for purchase, remortgage and first time buyer lending, with loan to value of 90% to 95%.
Who should look elsewhere
- Travellers who rely on a topped-up free ATM allowance: GBTI's is GYD 0, while Wise offers £250.
- Shoppers who prefer a challenger card to a local current account, such as Starling with £0 free or Upgrade OneCard with $0, may find a different fit.
How GBTI compares
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Where GBTI is available
- Available
- Guyana
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does a GBTI current account cost each month?+
The easy-access account carries a monthly charge of GYD 200, and the account is easy access with a variable rate. Opening it takes a deposit of GYD 5,000. The Mastercard debit card comes as standard when you open, so the main ongoing cost is that monthly fee plus any extra services you add.
Can I take cash out without paying a charge?+
Yes. ATM withdrawals carry no charge, with a free allowance of GYD 0. Accounts also give around the clock access to ATMs and points of sale, and the Mastercard debit card includes multi currency features for holding money in more than one currency.
What kind of account is this and how much do I need to open it?+
It is an easy access account, so money can be reached at any time, and the rate is variable. The minimum deposit is GYD 5,000. The card is a debit card on the mastercard network, issued on opening, with multi currency features.
How do I reach support?+
Support runs on phone only, so questions are handled by phone rather than by email or live chat. That is worth weighing if you prefer written answers. The rest of the account, from the GYD 5,000 opening deposit to the GYD 200 monthly charge, is handled through the bank itself.
What does borrowing from GBTI cost?+
As a direct lender, the bank lends directly at rates of 8% to 14% for personal, car and secured borrowing, with amounts of GYD 50,000 to GYD 3,000,000 and terms of 6 to 60. A product fee of GYD 4,000 applies to ordinary loans and overdrafts, plus an origination charge of 0.75%, and free early repayment is not among its terms.
How long does a loan decision take?+
Timings follow the bank's stated schedule, Approval typically within 3-5 days. Because GBTI is a direct lender, the decision sits with the bank, and applications cover personal, car and secured borrowing. Free early repayment is not among its terms, so it pays to plan for the full term before applying.
Can I get a home loan from the same bank?+
A housing promotion lists an initial rate of 3% with a fixed period of 30 years, and loan to value of 90% to 95%. It covers purchase, remortgage and first time buyer lending, so purchase, remortgage and first-time-buyer cases sit within the same promotion. Terms are confirmed with the bank directly.
Who is GBTI and how long has it operated?+
GBTI is Guyana Bank for Trade and Industry Limited, a bank based in Guyana and founded in 1987. Its lending covers personal, car and secured products, and its current accounts run on an easy access basis with a GYD 200 monthly charge.
Sources
- gbtibank.com checked September 26, 2026
Backs: Headquarters, Support channels
“High & Young Streets, Kingston, Georgetown, Guyana, South America”
- gbtibank.com/about-us checked September 26, 2026
Backs: Founded, Legal entity
“December 1987, the Guyanese government acquired the institution, establishing GBTI”
- gbtibank.com/bank-accounts checked September 26, 2026
Backs: Access terms, Account kind, Minimum deposit, Rate type
“Get 24/7 access to your money through our nationwide ATM network and enjoy secure payments at over 235 Point-of-Sale (POS) terminals”
- gbtibank.com/housing-loan-promotion checked September 26, 2026
Backs: Initial rate, Maximum loan to value, Purpose
“MORTGAGE AMOUNT Up to $4m, STANDARD RATE 3.5%, GBTI ADVANTAGE AS LOW AS 3%”
- gbtibank.com/loans checked September 26, 2026
Backs: Loan amount, APR, Fixed period, Funding time, Lender type, Loan types, Term
“Personal Loan Loan Features: Amount Range: GYD 50,000 - GYD 3,000,000”
- gbtibank.com/mastercard-debit-card checked September 26, 2026
Backs: Card type, Features, Card network
“A modern debit card for secure, fast, and globally accepted payments”
- gbtibank.com/schedule-of-charges checked September 26, 2026
Backs: Free ATM withdrawals, Free early repayment, Monthly fee, Arrangement fee, Origination fee (%), Product fee
“ATM Withdrawal G$70.00 per transaction”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Protection.