Demerara Bank review
Updated October 12, 2026 · DebitCue Editorial Team
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Our verdict
Demerara Bank contrasts with international issuers because it operates as Guyana's only homegrown private sector bank. It offers credit cards alongside accounts, loans, mobile banking and inbound transfers for people managing everyday finances within Guyana.
Key facts
- Best for
- Everyday banking with a Guyanese private bank
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Demerara Bank Limited (Source, checked September 26, 2026)
- Headquarters
- Guyana (Source, checked September 26, 2026)
- Founded
- 1992 (Source, checked September 26, 2026)
- Support channels
- Help-centre (Source, checked September 26, 2026)
- Official website
- demerarabank.com
Debit cards
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Legal entity
- Demerara Bank Limited (Source, checked September 26, 2026)
- Headquarters
- Guyana (Source, checked September 26, 2026)
- Founded
- 1992 (Source, checked September 26, 2026)
- Support channels
- Help-centre (Source, checked September 26, 2026)
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Stands as Guyana's only indigenous private sector bank
- Covers credit cards alongside accounts, loans and transfers
- Supports account control and bill payment through a mobile app
- Handles receipt of funds from abroad through local channels
Cons
- Focuses on Guyana rather than serving a wider international market
- Presents card choices through short lifestyle lines without fuller detail
- Centres daily account activity around use of its mobile app
Who it suits
- Guyana residents valuing a homegrown private bank
- Customers wanting cards, accounts and loans together
- Mobile users managing bills and transfers remotely
Who should look elsewhere
- People seeking an issuer outside Guyana
- People wanting branch banking without mobile access
The company behind it
Demerara Bank Limited operates as a private sector bank in Guyana. It describes itself as the only indigenous private sector bank in the country and connects that standing to sustained growth and success. The company runs loans, credit cards, accounts, mobile banking and money transfer services, with branches supporting cash pickup for incoming funds.
How your money is protected
Demerara Bank points to risk management and compliance as part of its approach to banking. It describes mobile account access and everyday banking services as secure, which allows customers to manage accounts, move funds and pay bills with protection in place. Community trust and reputation are also emphasised as supporting responsible handling of customer banking.
How Demerara Bank compares
Where Demerara Bank is available
- Available
- Guyana
- Licence in Guyana
- Bank of Guyana, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What is Demerara Bank?+
Demerara Bank is a private sector bank in Guyana. It presents itself as the only indigenous private sector bank in the country and links that position to growth, community trust and reputation.
Where is Demerara Bank based?+
Demerara Bank operates from Guyana and identifies as an indigenous private sector institution there. Its messaging emphasises local roots, social responsibility and a reputation built within the Guyanese community.
What products does Demerara Bank cover?+
The bank covers loans, credit cards, accounts and mobile banking. It also handles incoming transfers from abroad, with deposits into local accounts and cash pickup at its branches.
Which card themes does Demerara Bank highlight?+
Demerara Bank invites customers to choose the card that matches their journey and experience. The card themes include everyday banking, wider everyday possibilities, rewards and benefits for a later stage of life.
Which company operates Demerara Bank?+
Demerara Bank is operated by Demerara Bank Limited. (Source, checked September 26, 2026)
When was Demerara Bank founded?+
Demerara Bank was founded in 1992. (Source, checked September 26, 2026)
How can I contact Demerara Bank support?+
Demerara Bank offers support through Help-centre. (Source, checked September 26, 2026)
Sources
- 592hub.com/blog/guyana-banking-guide.html checked September 26, 2026
Backs: Card type, Card network
“Demerara Bank - Visa Debit”
- demerarabank.com/classic-credit-card checked September 26, 2026
Backs: Card kind
“Demerara Bank's Visa Classic Credit Card is the perfect starting point”
- demerarabank.com/faqs checked September 26, 2026
Backs: Support channels
“FAQ”
- gcci.gy/members-by-industry/demerara-bank-limited checked September 26, 2026
Backs: Headquarters
“Guyana's first private sector indigenous bank”
- iknowguyana.com/top-banks-in-guyana-and-information checked September 26, 2026
Backs: Licences
- demerarabank.com/downloads/DBL_2011_Annual_Report.pdf checked September 26, 2026
Backs: Founded, Legal entity
“Demerara Bank Limited was incorporated on January 20, 1992”
Compiled from 6 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Annual fee, APR, Currency conversion fee, Rewards type.