Bank Guarantee vs. Surety Bond – What’s the Difference

Bank Guarantees and Surety Bonds are financial instruments used to protect parties involved in the supply of goods or construction projects. These instruments ensure that if any default occurs, the banks will be liable to pay as per the agreed contract terms. While both instruments offer assurance through MT760, there are key differences between a Bank Guarantee and a Surety Bond.


What is a Bank Guarantee?

A Bank Guarantee is a written undertaking issued by a bank on behalf of its client to ensure the fulfillment of financial obligations. If the client fails to meet the terms stated in the contract, the bank will pay the specified amount.

Since banks analyze and certify the fiscal stability of the client, obtaining a BG MT760 enhances credibility and increases business opportunities—allowing traders to secure large contracts they might not otherwise qualify for.

However, getting a BG from your bank is not easy, especially with a low credit score. For large-scale guarantees involving bulk goods or million-dollar projects, banks demand collateral as security. Facing a lack of funds for the required collateral? Contact us today!


What is a Surety Bond?

A Surety Bond or Performance Bond is a three-party contract involving the Principal (buyer or project owner), the Obligee (seller or contractor), and the Guarantor (bank). These are mainly used in construction and high-value trade projects.

The bond assures that if the contractor fails to fulfill the contract, the buyer can claim the bond to recover their losses. If the claim is valid, the amount stated in the bond will be reimbursed.

Similar to Bank Guarantees, banks will require a certain percentage of the bond value as collateral. If you cannot comply with this, your application may be declined. If you want a Performance Bond without tying up your capital, reach out to us with your requirements.

Bank Guarantee vs Surety Bond
Difference: Bank Guarantee vs Surety Bond

• Bank Guarantees are typically used as a payment assurance from the buyer to the seller. • Surety Bonds focus on performance, ensuring that a project or contract is fulfilled as agreed. • BG MT760 guarantees payment if the seller fulfills the contract. • Surety Bonds allow buyers to claim reimbursement if the seller fails to meet their obligations.

How to Get BG MT760 or Surety Bonds?

Whether you need a Bank Guarantee or a Performance Bond, Bronze Wing Trading L.L.C., the trusted BG and Surety Bond Providers in Dubai, can help. We've assisted thousands of contractors and traders with customized financial solutions.

Get your guarantee or bond from reputed banks without blocking your working capital. Contact us today!

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