Gemstone Institutional Online

Digital Banking

Our Service

Digital Banking

Digital banking refers to the use of digital technology, such as computers, smartphones, and the internet, to conduct various banking activities and manage financial transactions remotely. It encompasses a wide range of digital channels and services provided by banks and financial institutions to offer convenience, accessibility, and efficiency to customers. Key features and services of digital banking include:

Online Banking, Mobile Banking, Digital Payments, Contactless Payments, Automated Customer Service, Digital Account Opening, Personal Finance Management (PFM), Enhanced Security Measures

Digital banking has revolutionized the way individuals and businesses manage their finances by offering seamless, real-time access to banking services and empowering customers to handle their financial affairs efficiently from anywhere with internet connectivity. As technology continues to evolve, digital banking is expected to further innovate and expand, offering more personalized and integrated financial solutions to meet the evolving needs and preferences of customers in the digital age.

  • Bank & savings accounts
  • Credit cards
  • Personal loans
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

Love from Happy Clients

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