Republic Bank Guyana review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Republic Bank Guyana suits residents and expats in Guyana who want everyday banking with a savings pot behind it, and the offer score here is 6.5. It wins on free ATM withdrawals and 7 currencies rather than on the interest rate, which is modest for a savings pot.
Key facts
- Best for
- A local everyday account with free ATM withdrawals and a variable-rate savings option.
- Monthly fee
- GYD 0↗
- Currencies
- 7↗
- Transfer fee
- Outgoing international wire GY$7,000.00; incoming GY$500.00 (US$100.00 or less) or GY$5,000.00 (above US$100.00)↗
- Legal entity
- Republic Bank (Guyana) Limited↗
- Headquarters
- Guyana↗
- Founded
- 1836↗
- Support channels
- Email, Phone, Help-centre↗
- Audience
- Expats
- Pricing model
- No monthly fee
- Features
- Free ATM withdrawals
- Official website
- republicguyana.com
Savings
- Headline rate
- 0.49% to 0.54%↗
- Rate type
- Variable↗
- Minimum deposit
- GYD 5,000↗
- Access terms
- Regular and unlimited access; 24-hour access via Blue Machine ATMs with a Republic OneCard/VISA OneCard↗
- Account kind
- Easy access↗
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- App Store
- Elsewhere
- LinkedInfacebook.comX
Pros and cons
Pros
- Cash withdrawals are free under free atm, and Blue Machine ATMs give round the clock access with a Republic OneCard or VISA OneCard.
- The account kind is easy access with regular and unlimited access, so you are not held to a set withdrawal schedule.
- The foreign currency accounts cover 7 currencies, above the site median of 5.
- Support runs on email, phone and help centre, and the bank has traded since 1836 as Republic Bank (Guyana) Limited.
Cons
- The Timesaver pays 0.49% to 0.54% at a variable rate, below the site median of 3%.
- Savings sit in a separate product, the Timesaver, which needs a minimum deposit of GYD 5,000 before its rate applies.
- Transfer fees: outgoing international wires carry a flat charge, and the incoming charge rises above a set amount.
Ready to try Republic Bank Guyana?
Scored 9.7 / 10 by VaultCue.
Who it suits
- Expats who want a local account alongside foreign currency balances, since the foreign currency side is aimed at expats.
- People in Guyana who want easy access access and free cash withdrawals under free atm, with no standing charge.
- Savers willing to keep at least GYD 5,000 on deposit for a variable rate.
Who should look elsewhere
- Not Skrill or eToro if you want free cash withdrawals: their monthly fees of €0 and £0 match GYD 0, while free atm covers withdrawals here.
- Not PayPal Colombia for the savings pot: with a monthly fee of $0 on both sides, the Timesaver rate of 0.49% to 0.54% is the thing to weigh.
How Republic Bank Guyana compares
9.7 vs 8.7
9.7 vs 8.6
9.7 vs 8.0
9.7 vs 8.9Its monthly fee of £0 is the same, so weigh it against a local account with free atm and help on email, phone and help centre.
9.7 vs 9.1
9.7 vs 9.2
9.7 vs 8.7
9.7 vs 8.7
9.7 vs 8.7
9.7 vs 9.0Also charges a monthly fee of €0, which leaves the savings rate as the difference, since the Timesaver pays 0.49% to 0.54% on a variable basis from GYD 5,000.
9.7 vs 8.7
9.7 vs 9.5
9.7 vs 9.4
9.7 vs 9.3
9.7 vs 9.2
9.7 vs 9.2
9.7 vs 9.2
9.7 vs 9.2
9.7 vs 9.2
9.7 vs 9.2
9.7 vs 9.1
9.7 vs 9.0
9.7 vs 9.0
9.7 vs 8.9
9.7 vs 8.9- 9.7 vs 8.9
9.7 vs 8.7
9.7 vs 8.5
9.7 vs 8.5
9.7 vs 8.5
9.7 vs 8.4
9.7 vs 8.3
9.7 vs 8.2
9.7 vs 8.1- 9.7 vs 8.1
9.7 vs 8.0
9.7 vs 8.0
9.7 vs 8.0
9.7 vs 9.1
Where Republic Bank Guyana is available
- Available
- Guyana
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What is the monthly fee on the everyday account?+
The e-Free account charges a monthly fee of GYD 0, so there is no standing cost to keeping it open. The account kind is easy access, which comes with regular and unlimited access. Withdrawals are also free under free atm, which matters if you take cash out often.
Are ATM withdrawals free?+
They are: free atm covers free cash withdrawals, and Blue Machine ATMs give round the clock access if you hold a Republic OneCard or VISA OneCard. That covers cash needs outside normal opening hours, and the account kind is easy access, so access is not tied to counter hours either.
What rate does the savings account pay?+
The Timesaver pays 0.49% to 0.54% on a variable basis, and the rate can move because it is not fixed. You need a minimum deposit of GYD 5,000 for that rate to apply, and the figure sits below the site median of 3% for savings accounts.
What do international transfers cost?+
International wires are charged in both directions. The outgoing charge is flat, and the incoming charge is lower for smaller amounts and higher above a set threshold. Since the foreign currency side covers 7 currencies, that wire cost is the number to check before sending money abroad.
How many currencies can I hold?+
The foreign currency accounts cover 7 currencies, which is above the site median of 5 for multi-currency providers. The bank operates from GY, so these are foreign currency accounts for use in and from Guyana rather than a worldwide multi-currency platform.
Who is the account aimed at?+
The foreign currency accounts target expats, so people living in Guyana with money in other currencies are the main fit. Locals wanting an everyday account get easy access access and a monthly fee of GYD 0. Support runs on email, phone and help centre for questions on either side.
How do I contact the bank?+
Support runs on email, phone and help centre: phone, email and a help centre. The bank is Republic Bank (Guyana) Limited, trading since 1836, and the account is easy access, so counters and machines are both part of the service alongside online banking.
Do I need two accounts for everyday banking and savings?+
The Timesaver and the e-Free account are separate products. The Timesaver pays 0.49% to 0.54% but wants a minimum deposit of GYD 5,000, while the everyday account charges a monthly fee of GYD 0 and includes free atm. Holding both keeps cash access and savings together.
Sources
- republicguyana.com checked September 26, 2026
Backs: Support channels
“Should you encounter any challenges, please contact gyesupport@rfhl.com or call 223-7938 to 49”
- republicguyana.com/about/history-republic-bank checked September 26, 2026
Backs: Founded, Headquarters, Legal entity
“Republic Bank (Guyana) Limited's history spans 180 years, originating in 1836 as the British Guiana Bank”
- republicguyana.com/personal/e-Free checked September 26, 2026
Backs: Features, Pricing model, Monthly fee
“Free ATM withdrawals”
- republicguyana.com/personal/foreign-currency-accounts checked September 26, 2026
Backs: Audience
“This account is available to non-residents only ... Citizens of Guyana residing permanently overseas, Citizens of other countries residing temporarily in Guyana”
- republicguyana.com/personal/international-wire-transfers checked September 26, 2026
Backs: Currencies, Transfer fee
“Types of currencies: USD - United States Dollar, CAD - Canadian Dollar, TTD - Trinidad & Tobago Dollar, BBD - Barbadian Dollar, XCD - Eastern Caribbean Dollar, EUR - European Dollar, GBP - British...”
- republicguyana.com/personal/timesaver-account checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Rate type
“If you need regular and unlimited access to the funds in your account to make day to day payments and the convenience of electronic banking, TimeSaver is right for you!”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currency conversion fee.
Republic Bank Guyana
A local everyday account with free ATM withdrawals and a variable-rate savings option.