Gemstone Institutional Online

Borrowing Accounts

Our Service

Borrowing Accounts

Borrowing accounts typically refers to accounts offered by financial institutions that allow customers to borrow money.

These accounts may include various types of loans such as personal loans, mortgages, car loans, lines of credit, or credit cards. Borrowing accounts provide individuals and businesses with access to funds that they can use for various purposes, such as purchasing a home, buying a car, covering unexpected expenses, or financing a business venture. Interest rates, terms, and conditions associated with borrowing accounts vary depending on the type of loan and the financial institution offering it.

Borrowing accounts play a crucial role in facilitating economic activities by providing individuals and businesses with the necessary funds to achieve their financial objectives. However, borrowers are typically required to repay the borrowed funds along with any applicable interest within a specified period according to the terms of the borrowing agreement.

  • Bank Credit Card
  • Setter personal loan
  • Overdraft
Why US

Why Choose Us

Secure International Transaction

Send and receive money across borders with secure channels.

24/7 Support from the Expert Team

Our Support Team is always available to assist with any issues.

Lowest Processing Fee than Other Banks

We offer the lowest fees for both local and international transactions.

Less Time in any Loans Approval

Our loan approval process is the easiest when it comes to processing and approval.

Our process

Open Bank Accounts


Fill In The
Required Form

Go to create an account and fill in the form; your account will be created.


Submit All
Your Documents

Submit any additional documents recommended by our Account Team.


Get Your
Desire Account

Set up the desired type of account that you want to operate.


Required Document


  • NID/Birth certificate/Passport
  • Photograph - 2 Copies
  • Nominee photograph - 1 Copy
  • Nominee's NID/Birth ID/Passport
  • Income source document
  • E-TIN Certificate


  • Cheque-book facility
  • Debit Card cash withdrawal from ATMs
  • Interest on Monthly Average Balance
  • Higher ATM withdrawal limit
  • Utility Bill Payment Service
  • Online banking service thorough App


  • Age: At least 18 years
  • Nationality: World
  • Full-Time Job

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