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International individuals and families
Explore GHB USD/AED accounts, digital access, security and customer support.
GLOBAL PERSPECTIVES
International Clients
Cross-border ambitions deserve a straightforward banking journey.
GULF HORIZON BANK · CORPORATE INFORMATION
International Clients
Our international proposition explores how eligible customers outside the UAE could access account information, digital onboarding, multi-currency solutions within our USD/AED scope and cross-border support. The proposed onshore/offshore structure described in our concept document remains a future business model and is not an operating or licensed arrangement.
Gulf Horizon Bank · Corporate information
THE GHB PERSPECTIVE
Who this experience is designed for
From individuals to cross-border businesses.
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Entrepreneurs and remote teams
A clear corporate information journey for businesses managing collections, payments and operating relationships across markets.
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Digital-asset explorers
Educational introductions to BTC testnet, Ethereum ERC20 token stand-ins and TRON TRC20 token stand-ins, with network differences explained.
THE GHB PERSPECTIVE
A transparent onboarding journey
Illustrative stages, subject to legal approvals and the other team’s application implementation.
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Understand eligibility
Read jurisdiction, identification, residency and source-of-funds requirements before any future application.
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Prepare documentation
A future workflow may request identity, proof of address and business ownership documents where applicable. This public corporate website does not collect identity documents.
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Review account options
Browse GHB USD and AED accounts and learn how digital account activation works.
A wider horizon starts here.
Discover connected financial services spanning everyday banking, international solutions and digital assets.
EXPLORE GHB BANKING SOLUTIONS Explore GHB banking services, account tiers, features, rates and fees. See Regulatory & Licensing Information for intended authorisations and deposit-protection disclosures. Browse the full service directory →
Offshore Banking for International Clients · Complete specification
GHB's target offshore banking perimeter would give international clients a Dubai-based, English common-law banking environment without the cost and complexity of establishing an offshore structure in a distant jurisdiction. You bank with GHB offshore directly - under GHB's intended DIFC or ADGM licence - using your existing passport, proof of non-UAE tax residence, and source-of-wealth documentation.
Who GHB serves offshore:
Non-resident individuals and families with multi-country financial lives
International digital-asset holders seeking a regulated offshore fiat on-ramp and off-ramp
Offshore companies and international businesses trading with or holding assets in the UAE and GCC
Corporate treasuries managing fiat and crypto liquidity across borders
International clients who want a common-law offshore banking relationship without a Cayman, BVI, or Jersey structure
What international offshore clients get:
Non-resident multi-currency accounts in AED, USD, EUR, and GBP, opened remotely under GHB's planned offshore DIFC/ADGM licence.
Offshore deposits with the same transparent rate structure as GHB's onshore savings products, subject to offshore-perimeter terms.
Offshore lending - overdrafts, term loans, and crypto-collateralised credit lines - priced and documented under the offshore entity's common-law framework.
Offshore custody for digital assets, with multi-signature or MPC security and segregation from GHB's own assets.
Cross-border crypto services - fiat-to-crypto and crypto-to-fiat conversion, stablecoin settlement, and whitelisted external wallet transfers.
Flat AED 15 international transfers and multi-currency receiving details, subject to offshore account terms.
Eligibility (indicative, subject to offshore-perimeter policy):
Individual applicants must be non-UAE tax residents with traceable financial assets of at least AED 1 million for offshore individual accounts under the CBUAE's offshore financial account framework.
Corporate applicants must be registered in an offshore-qualifying free zone (JAFZA, DIFC, DMCC) or be a non-UAE entity with at least one year of existence and a clean global compliance record.
All applicants must complete enhanced due diligence, including source-of-wealth and source-of-funds verification.
What GHB's offshore perimeter is not:
It is not a CRS-exempt secrecy vehicle. The UAE has participated in Common Reporting Standard automatic exchange since 2018 and now reports to over 100 treaty partners; DIFC, ADGM, and onshore accounts are all reportable if you remain tax-resident abroad. US persons remain subject to FATCA, FBAR, and Form 8938 obligations regardless of where their UAE account sits. Offshore banking at GHB means common-law regulation, English-language contracts, and a DFSA or FSRA regulator - not tax evasion or reporting avoidance.
Onboarding process for offshore clients:
Download the GHB app and select "Offshore / International client."
Upload your passport, proof of non-UAE tax residence, proof of address, and source-of-wealth documentation.
For corporate applicants: certificate of incorporation, constitutional documents, UBO register, and good-standing evidence. Non-English documents require certified translation and, where applicable, apostille.
Complete video verification across time zones.
Pre-approval typically completes in 3–10 business days for individual applicants and 15–30 business days for corporate applicants, with high-risk sectors extending to 60 business days.
Activate your offshore multi-currency accounts and virtual card upon final approval.
Offshore client support:
A dedicated offshore client support team, available 24/7 across time zones. In-app chat, an international phone line, and email. Relationship managers for offshore Private and Corporate clients, available virtually or in person at GHB Experience Centres in Dubai.
REGULATORY & LICENSING DISCLOSURES
(Linked from the website footer and the About page)