For Individuals

Term Deposit

If you have a certain amount of money that you do not need for a particular period, we recommend you to open a Term Deposit and get a high-interest rate. You can choose the term of the deposit and the period to get the interest rate. Please note that you cannot withdraw or add any amount to the deposit. If you decide to cancel your deposit earlier than its maturity date, decreased interest rates will apply.

 

General Terms

You can open Term Deposit in our Branch.

Min amount for opening: 500 GEL / 500 USD/ 500 EUR

 

Interest Rates - Withdrawal at the End of Maturity

 

GEL

USD

EUR

 

Nominal

Effective*

Nominal

Effective*

Nominal

Effective*

3 months

8.50%

8.77%

2.50%

2.52%

0.50%

0.50%

6 months

9.50%

9.73%

3.00%

3.02%

0.75%

0.75%

9 months

10.00%

10.12%

3.50%

3.52%

1.00%

1.00%

12 months

10.50%

10.50%

4.00%

4.00%

1.25%

1.25%

15 months

10.75%

10.59%

4.25%

4.22%

2.00%

1.99%

18 months

10.85%

10.56%

4.40%

4.35%

2.65%

2.63%

21 months

11.00%

10.58%

4.50%

4.42%

2.75%

2.72%

24 months

11.00%

10.45%

4.50%

4.40%

2.75%

2.71%

Premature Cancellation

4.00%

 

1.00%

 

0.25%

 

* Effective interest rate is calculated for 500 units. Effective interest rate changes according to the deposit volume, maturity date, and interest accrual method.

 

Interest Rates - Monthly Withdrawal

 

GEL

USD

EUR

 

Nominal

Effective*

Nominal

Effective*

Nominal

Effective*

3 months

8.00%

8.31%

2.00%

2.02%

0.20%

0.19%

6 months

9.00%

9.38%

2.50%

2.53%

0.25%

0.25%

9 months

9.50%

9.91%

3.00%

3.03%

0.50%

0.50%

12 months

10.00%

10.48%

3.50%

3.56%

0.75%

0.76%

15 months

10.25%

10.72%

3.75%

3.80%

1.50%

1.52%

18 months

10.35%

10.85%

3.90%

3.97%

2.15%

2.16%

21 months

10.50%

11.02%

4.25%

4.33%

2.25%

2.27%

24 months

10.50%

11.02%

4.25%

4.33%

2.25%

2.27%

Premature Cancellation

4.00%

 

1.00%

 

< 9 months - 0.00%

≥ 9 months - 0.25%

 

 

Interest Rates - Withdrawal at the Beginning of Term

 

GEL

USD

EUR

 

Nominal

Effective*

Nominal

Effective*

Nominal

Effective*

3 months

7.50%

7.86%

1.50%

1.51%

0.10%

0.10%

6 months

8.50%

9.07%

2.30%

2.34%

0.15%

0.15%

9 months

9.00%

9.77%

2.80%

2.87%

0.40%

0.40%

12 months

9.50%

10.50%

3.30%

3.41%

0.65%

0.65%

15 months

9.75%

10.94%

3.55%

3.69%

1.40%

1.42%

18 months

9.85%

11.23%

3.70%

3.87%

2.05%

2.10%

21 months

10.00%

11.61%

3.80%

4.01%

2.15%

2.21%

24 months

10.00%

11.80%

3.80%

4.03%

2.15%

2.22%

Premature Cancellation

4.00%

 

1.00%

 

< 9 months - 0.00%

≥ 9 months - 0.25%

 

* Effective interest rate is calculated for 500 units. Effective interest rate changes according to the deposit volume, maturity date, and interest accrual method.
Interest rates for non-resident individuals and legal entities are 0,5% less.

Demand Deposit

Demand Deposit gives you free and unlimited access to your deposited funds. You can withdraw or add any amount to your deposit account anytime and still get a high interest. It is calculated based on a balance on the account at the end of each day and is accrued monthly.

 

General Terms

You can open Demand Deposit in our Branch.

Min amount for opening: 500 GEL / 500 USD / 500 EUR

 

Interest Rates

GEL

USD

EUR

Nominal

Effective*

Nominal

Effective*

Nominal

Effective*

6.50%

6.70%

2.00%

2.02%

1.00%

1.00%

* Effective interest rate is calculated based on the following example: the customer deposits 500 units when the deposit is opened. S/he adds 100 units to the account on the first day of each month. Effective interest rate changes according to the amount and maturity date of the deposit.
Interest rates for non-resident individuals and legal entities are 0,5% less.

Accumulative Deposit

Accumulative Term Deposit is recommended if you wish to save a certain amount of money within a definite time period. It requires a minimum initial deposit, after which you are free to add any amount anytime.

The Deposit guarantees you a high-interest rate that is paid out at the end of its term. Interest is calculated based on available balance and actual period. For the last two months till the maturity date, interest rates of Demand Deposit will be accrued on your Accumulative Term Deposit.

Please note that you cannot withdraw the amount from your deposit till the maturity date. In case of premature termination of the deposit, decreased interest rates will be applied.

 

General Terms

You can open Accumulative Term Deposit in our Branch.

Min amount for opening: 500 GEL / USD/ EUR

 

Interest Rates

 

GEL

USD

EUR

 

Nominal

Effective*

Nominal

Effective*

Nominal

Effective*

3 months

8.50%

8.46%

2.50%

2.44%

0.50%

0.58%

6 months

9.50%

9.25%

3.00%

2.81%

0.75%

0.69%

9 months

10.00%

9.65%

3.50%

3.16%

1.00%

0.85%

12 months

10.50%

9.98%

4.00%

3.50%

1.25%

1.01%

15 months

10.75%

10.13%

4.25%

3.72%

2.00%

1.37%

18 months

10.85%

10.24%

4.40%

3.90%

2.65%

1.75%

24 months

11.00%

10.31%

4.50%

4.09%

2.75%

2.11%

36 months

11.25%

10.22%

4.75%

4.26%

2.80%

2.42%

48 months

11.50%

10.05%

4.80%

4.35%

2.90%

2.55%

60 months

11.50%

9.86%

4.80%

4.36%

2.90%

2.61%

Premature Cancellation

4.00%

 

1.00%

 

0.25%

 

* Effective interest rate is calculated based on the following example: the customer deposits 500 units when the deposit is opened. S/he adds 100 units to the account on the first day of each month. Effective interest rate changes according to the amount and maturity date of the deposit.
Interest rates for non-resident individuals and legal entities are 0,5% less.