Joining is free. Currently GRpoints is a referral program where you refer interested clients to open Offshore banking account with either Hamilton Reserve Bank (Saint Kitts & Nevis) or Fintech Bank Ltd (Labuan, Malaysia). Bank account opened through referral of GRpoints comes with the following benefits: - Special rates on account opening fees/bank charges. (One-off account bank account opening fee of $200 (Personal) or $2,000 (Business) instead of the standard fee of $3,000 will be payable to GRpoints upon review of application by the bank) - Account opening supporting documents are submitted online with no bank interview in person required. - **No initial deposit amount. No monthly minimum balance or maintenance fee required**. Your GRpoints referral link will be automatically activated once you have **successfully open an account with either the above mentioned bank**. Successful referral points earned can be redeemed as cash into your bank account. More information can be found under download centre after you have login to your GRpoints account.