What is a Bank Guarantee and How Does it Work?

Bank Guarantee is a written undertaking issued by banks on behalf of their client to ensure that all obligations will be met without any default. Since the banks are giving the written undertaking; in case, if the client fails to meet the contractual terms, then the banks are liable to cover it.


A lot of traders and contractors are struggling to achieve good financial stability to sign new contracts and trade deals. For this, they often look for banking services that can support them.


Fortunately, banks and other financial institutions are available to provide various types of Bank Instruments on their behalf. One of the most popular trade finance tools used by traders and contractors to grow their business is the Letter of Guarantee. Let’s understand in detail — What is a Bank Guarantee and How Does It Work?

Bank Guarantee
How Do Bank Guarantees Work?

In trade transactions, parties dealing with overseas partners require some form of assurance to protect against payment and performance risks. This is where a Bank Guarantee (BG MT760) becomes essential. BGs are widely preferred because banks act as the guarantor of the transaction.

Example: If a buyer wants to purchase $3 million worth of machinery from an overseas vendor, they may need to provide a Bank Guarantee (MT760) to cover the payment before shipment. This BG assures the seller that the bank will release payment once the shipment is received, and in case of buyer default, the bank covers the liability.

Having a BG in place builds confidence in the buyer’s credibility and ensures both parties involved can enter a contract—whether for supply or construction—with peace of mind that their deal will be concluded smoothly.

How to Get a Bank Guarantee?

Anyone with a solid financial background can apply for BG MT760 through their bank. However, the bank will assess your creditworthiness, past banking history, and may request collateral as security. The process usually takes several weeks or even months to complete.

If you're in urgent need of a Bank Guarantee for a trade deal and wish to avoid freezing your cash funds, we are here to help!

As trusted International Bank Guarantee Providers in Dubai, we offer BG MT760 issuance without the need for collateral. Get your Letter of Guarantee issued within 48 hours through our services.

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