Banking that moves at the speed of your life.

You can choose between two account categories: Starter and Standard.

You will need:

• A valid government-issued ID
• Your Taxpayer Registration Number (TRN)

If you are opening a Standard account, you will also need:

• Proof of source of funds — any one of the following:
  • Your last 3 months’ payslips
  • A job letter no older than 3 months
  • Your previous year’s stamped tax return
  • A letter from a publicly registered or chartered accountant (a PAB or ICAJ member)
  • In-house financial statements or an interim management report (covering at least 12 months)
• Proof of address — any one of the following:
  • A utility bill, phone bill, or cable/internet bill
  • A bank statement or credit card statement
  • A letter from a Justice of the Peace (stamped and signed)

• Starter (JMD): $2,500
• Standard (JMD): $4,000
• Standard (Foreign Currency): 100 (USD / GBP / EUR /CAD)

• Branch pickup — you’ll visit a branch to have your card created
• Post office pickup — typically available within 5 business days of your card dispatch notification
• Courier delivery — our courier will contact you within 3–5 business days to arrange delivery

• Direct bank transfer
• An over-the-counter teller deposit
• Using an FGB ATM, once you’ve collected and set a PIN on your FGB Visa debit card

• Unsecured loans
• Motor vehicle loans — New, and Pre-owned/Used

Have the following ready before you start.

Personal details

• Full name, date of birth, address, phone number, and email
• A valid government-issued ID (for example, National ID, driver’s licence, or passport)
• Your Taxpayer Registration Number (TRN)

Proof of address (any one of the following)

• A utility bill, phone bill, or cable/internet bill
• A bank statement or credit card statement
• A letter from a Justice of the Peace (stamped and signed)

Employment details

• Employer name, job title, income amount, and how often you are paid

Proof of income (if you are employed)

• Your last 3 months’ payslips (for a regular salary)
• Your last 6 months’ payslips (for commissioned or variable income — where your pay changes based on hours or commission)
• A job letter no older than 3 months

Additional documents

• For loans over J$2 million, you’ll need invoices or other documents showing the purpose of the loan. No evidence is required for amounts below this.

• The ability to provide all required Know Your Customer (KYC) documents
• A satisfactory credit report
• A demonstrated ability to repay the loan through salary deduction or salary assignment
• Permanent employment for at least one (1) year, with probation successfully completed and evidence of continuous employment; or
• Contractual employment for at least two (2) years, with evidence of continuous employment

• The ability to provide all required Know Your Customer (KYC) documents
• A satisfactory credit report
• A demonstrated ability to repay the loan through salary deduction or salary assignment; and
• Permanent employment; or contractual employment for at least two (2) years All loan applications are subject to the Bank’s established credit assessment process and final approval.

Have the following ready before you start.

Personal details

• Full name, date of birth, address, phone number, and email
• A valid government-issued ID (for example, National ID, driver’s licence, or passport)
• Your Taxpayer Registration Number (TRN)

Proof of address (any one of the following)

• A utility bill, phone bill, or cable/internet bill
• A bank statement or credit card statement
• A letter from a Justice of the Peace (stamped and signed)

Employment details

• Employer name, job title, income amount, and how often you are paid

Proof of income (if you are employed)

• Your last 3 months’ payslips (for a regular salary)
• Your last 6 months’ payslips (for commissioned or variable income — where your pay changes based on hours or commission)
• A job letter no older than 3 months

Additional documents

Invoices or documents showing the purpose of the loan are required for all motor vehicle loans.

For new car loans:

• Pro-forma invoice
• C87, as applicable on newly imported vehicles
• Valuation report (no older than 6 months, from a valuator on FGB’s panel) for new vehicles from used-car dealers
• Copy of the Certificate of Fitness and Registration
• Duty concession letter from the MOF (where applicable)
• Authorization letter from the Trade Board (where applicable)
• CarFax or InstaVin report for financing left-hand drive vehicles

For pre-owned (used) car loans:

• Pro-forma invoice
• C87, as applicable on newly imported vehicles
• Valuation report (no older than 6 months, from a valuator on FGB’s panel)
• Copy of the Title
• Copy of the Certificate of Fitness and Registration
• Duty concession letter from the MOF (where applicable)
• Authorization letter from the Trade Board (where applicable)
• CarFax or InstaVin report for financing left-hand drive vehicles

• Be 18 years of age or older
• Have an annual income of JMD 600,000 or more
• Hold a valid Jamaican Tax Registration Number (TRN) — this is the unique number issued to you by Tax Administration Jamaica
• Hold valid government-issued identification

• Full name, date of birth, address, phone number, email
• Valid government-issued identification (for example, National ID, driver's licence, or passport)
• Tax Registration Number (TRN)

• A utility bill, phone bill, or cable/internet bill
• A bank statement or credit card statement
• A letter from a Justice of the Peace (stamped and signed)

• Employer name, job title, income amount, and how often you are paid

• Your last 3 months' payslips (for a regular salary)
• Your last 6 months' payslips (for commissioned or variable income)
• A job letter no older than 3 months

• Your previous year's stamped tax return, or
• A letter from a publicly registered or chartered accountant (a PAB or ICAJ member), or
• In-house financial statements or an interim management report (covering at least 12 months)

• Your last 12 months' bank statements (required)
• Your Certificate of Business Registration or Business Licence

The verification window needs pop-ups to be turned on. If it does not open:

• Turn off the pop-up blocker in your browser (steps below).
• Clear your cache and cookies.
• Refresh your browser and try again.

How to turn off your pop-up blocker

iPhone / iPad (iOS / iPadOS) — Safari

1. Open the Settings app and tap Safari.
2. Turn Block Pop-ups off.

Chrome

1. Open the Chrome app.
2. Tap More (⋮), then Settings.
3. Tap Content Settings, then Block Pop-ups.
4. Turn Block Pop-ups off.

Edge

1. Tap ..., then Settings.
2. Tap Privacy & Security (or Site Permissions), then Pop-ups and Redirects.
3. Turn Allow on (or turn Block off).

Note: menu names in Edge may vary slightly on iOS.

Android — Chrome

1. Tap ⋮, then Settings.
2. Tap Site Settings, then Pop-ups and Redirects.
3. Set to Allowed (turn the toggle on).

Edge

1. Tap ..., then Settings.
2. Tap Site Permissions, then Pop-ups and Redirects.
3. Turn the toggle on to allow.

Samsung Internet

1. Tap ≡, then Settings.
2. Tap Privacy Dashboard (or Sites and Downloads on some versions).
3. Turn Block Pop-ups off.

Opera

1. Tap Settings, then Privacy & Security.
2. Tap Site Settings, then Pop-ups and Redirects.
3. Set to Allowed.

See “What should I do if I am not taken back to my application after verification?” under Identity Verification for full, device-by-device steps.

In short: do not refresh, and switch back to your application tab using the steps for your browser.

See “What should I do if the identity verification window does not open on my phone or tablet?” under Identity Verification for full, device-by-device steps.

In short: turn on pop-ups, clear your cache and cookies, then refresh and try again.

First, check that your ID is:

• Valid and not expired
• In good condition (not torn, faded, or damaged)
• Clear and easy to read, with all text and photos fully visible

If your ID still isn’t accepted after checking these, try another supported document.

Your verification may be declined if your document is:

• Expired
• Hard to read
• Not matching the information you entered in your application

Poor lighting or a blurry photo can also cause a document to be declined. Taking a clear photo in good lighting often helps.

Uploading your documents is a required step, so you’ll need a successful upload to finish your application.

Uploads usually fail for one of these reasons:

• The file is too large
• The file is in the wrong format
• Your internet connection is weak

Here’s what to try:

• Connect to a stronger Wi-Fi or mobile data signal, then upload again
• Make sure your file is a JPG, PNG, or PDF
• If your file is too large, reduce its size or retake the photo. Each file must be 5 MB or less

If your upload still won’t go through, your application may need extra support, or you may be asked to submit your documents another way.