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- Golden Sand Bank is a trade name of G-Rock Ltd, a company based in Gibraltar and licensed by the Gibraltar Financial Services Commission.
- We are "wealth self-management" services provider.
- We are a modern, mobile first, low-cost bank for affluent people.
We believe that new generation banking is to provide clients with low-cost, fully mobile, completely transparent finance and investment management for self-driven citizens of the world. We are proud to provide you with a tool that fulfils those needs.
What do you do?What do you do
- We enable self-directed people to sustain and grow their wealth autonomously, by delivering banking and investments as one, new value, reinvented for them.
- We provide global banking and wealth management in one place, as one system.
- We introduce low fees & charges to international global banking and wealth management.
Yes, we are a bank with a licences granted by the Gibraltar Financial Services Commission. For more details please read the Gibraltar Financial Services Commission website.
- We believe in financial sector reinvention.
- We redefine its purpose - to gain profits through satisfactory contribution to our client’s wealth continuation and growth.
- We redesign financial services delivery and consumption – constant, effortless and unobtrusive.
- We believe in customer relationships - transparent, honest, fulfilment driven.
- Digital Only, Mobile First.
- We use the latest technology to reduce costs and deliver new value, seamlessly integrated, transparent and fairly priced banking and investment services through the most personal channels, smartphone and personal computer, making it available anytime and anywhere.
- We are here for the digital citizens of the world, self-directed, tech-savvy, who live or plan to live internationally and manage their wealth and money from any country they wish.
- The range of our services is designed for high-net-worth-individuals and affluent people.
- No entry barriers to digital international personal finance and wealth self-management.
- Fully self-managed - no need to talk to or listen to any advisors making you believe they know more about your money than you do.
- Fully mobile, completely transparent finances and wealth management for self-driven citizens of the world.
- Global Banking and Wealth Management in one place. Accounts, Cards, Brokerage and Investment Portfolios fully manageable through Golden Sand Bank Mobile Application and Internet Banking.
- Low fees & charges introduced to global international finance.
- Global currency conversion at favourable rates for Asian, European and American trading hours.
- We are a fintech bank with a licences granted by the Gibraltar Financial Services Commission.
- We implemented the latest financial technology solutions to take international finance to the next level.
- That makes us a bank and a fintech at the same time.
- No branches at all. Remote internet access via desktop or mobile devices.
- End-to-end digital processes. Paperless environment, no signature needed.
- Thus we can operate a low-cost model and provide global banking and wealth management services at low fees and charges.
- We provide personal global finance services. The most personal device helping us to deal with almost everything these days, and especially in finance, is the smartphone. Smartphones are with us anytime and anywhere.
- It is an obvious combination to provide global personal finance and wealth management through the fully functional mobile application for the citizens of the world, the high-net-worth-individuals and affluent people.
- We offer Personal Accounts, Savings, Visa Cards, Multicurrency Brokerage and Investment Portfolios. We plan to introduce Mutual Funds in the near future.
Will you have branches?Will you have branches
No, we will not have any branches. Our goal is to provide clients with low-cost global banking with no need to visit the branch. All you need is your mobile phone and an Internet connection.
Go to Onboarding to see more.
Go to Eligibility to see more.
Yes, you can open an account whenever and wherever you are, if you satisfy all eligibility criteria. All you need is a stable Internet connection and your ID document.
Yes, our app supports all Internet banking functions as a result of our mobile first approach.
Yes, the app will be available for download on App Store and Google Play.
The Golden Sand Bank mobile application will be available on:
- Apple iPhone running iOS 9 and above, or
- devices running Android 4.4 and above.
Android, Google Play are trademarks of Google LLC. Apple, App Store, iPhone are trademarks of Apple Inc.
Yes, our mobile app has been created to make it fully accessible according to the mobile first approach.
Yes, there is no monthly fee, no annual fee, and no closing fee. Any applicable rates, fees & charges will be transparent and published when we become open to public.
Our personal account will enable you to use all our investments and banking services.
Yes, your investments will be funded directly from your Personal Account.
- SMS codes are sent to the phone number indicated by you. This is the most convenient and a very secure way of authorising transactions in the Golden Sand Bank system.
- The connection between your computer and the Bank's server is encrypted with the TLS protocol, as evidenced by the prefix https:// at the beginning of the Internet address (instead of the standard http, where "s" means "secure"). This ensures protection of your data against possible interception by third parties.
- The certificate of the website is confirmed for Golden Sand Bank by DigiCert Inc. Therefore, you have a guarantee that the website you are signing on belongs to the institution for which the certificate has been issued.
- Each transaction performed in the system is secured with modern technological solutions and requires authorization using a pre-determined PIN or using biometric methods (fingerprint, face).
- Make sure that the page address starts with "https" and not "http".
- Check that the login page (in the address bar or at the bottom of the page) shows a locked lock icon.
- The latest browsers next to the address bar display information about the institution for which the certificate was issued. Double-click on the lock to check if the displayed certificate is valid and has been issued by DigiCert Inc. for Golden Sand Bank.
- Check the validity of the certificate. To do this, click on the locked icon mentioned above.
- We regularly update our transaction services and mobile applications.
- Your connections with the Bank are encrypted.
- Operations in the transaction service are confirmed with a one-time SMS code, which contains transaction details.
- Operations in the mobile application are confirmed with a special PIN. Transactions are subject to a transaction limit, which you can modify.
- Card payment limits are up to you - you can modify them any way you like.
- The Bank monitors your card transactions and can detect non-standard behaviours.
Golden Sand Bank monitors transactions 24/7. If additional confirmation of an operation is required, the bank tries to verify it with the customer by:
- Sending an SMS for card transactions (sender of "Golden Sand Bank"),
- Contact Centre,
- Contact with an employee of the Bank,
- State-of-the-art of fraud detection systems,
- Secure sign-on and automatic sign-off,
- Extra checks when you set up a payment.
Golden Sand Bank mobile application enables logging into the system using biometrics - fingerprint or face recognition (for supported devices).
In order to improve our services, we carefully analyse and process every complaint that we receive. If the complaint is particularly complex, we may need to contact third parties to clarify the matter and obtain legal or operational advice. In some cases, this could take longer than 30 days. If it does, we will inform you about the delay.
We will respond to your complaint via email or telephone (in the manner chosen in a complaint form).
On request, we may also send our response via letter.
To resolve your problem and to respond to your complaint as fast as it is possible, please provide us with the information below:
a) full name (last name and first name);
b) date of birth;
c) Personal Number;
d) description of the complaint;
e) telephone number and e-mail address for persons, who are not our Customers, or;
f) contact address registered in a bank system including e-mail (telephone number will be used to respond to complaints)
All complaints are very important to us as your feedback is the main factor in improving our services.
If you are not fully satisfied with our products or services, you can always contact us by:
a) sending a message through the online form,
b) sending a letter,
c) calling us directly.
Golden Sand Bank Internet banking will support desktop browsers:
- Google Chrome,
- Mozilla Firefox,
- Internet Explorer,
- Microsoft Edge.
Latest version of the browser is recommended by the Bank.
Chrome is the trademark of Google LLC.
Safari is the trademark of Apple Inc.
Microsoft Edge and Internet Explorer are trademarks of Microsoft Corp.
Mozilla Firefox is the trademark of Mozilla Corp.