SERVICE FEES
Transfers
| Transfer to JSC Terabank system | Free |
|---|---|
| Transfer to other banks in national currency from Terabank remote channels | Up to GEL 1 000 - GEL 1 |
| From GEL 1 000 to GEL 10 000 - GEL 2 | |
| From GEL 10 000 to GEL 100 000 - GEL 5 | |
| GEL 100 000 and above - GEL 50 | |
| Transfer to other banks in national currency from Terabank branches | Up to GEL 1 000 - GEL 2 |
| From GEL 1 000 to GEL 10 000 - GEL 4 | |
| From GEL 10 000 to GEL 100 000 - GEL 10 | |
| From GEL 100 000 and above - GEL 100 | |
| Transfer to another bank in US dollars | 0.2%, Min. USD 15, Max. USD 500 |
| Transfer to another bank in euros and other foreign currencies (except US dollars) | 0.2%, Min. 15 Euro, Max. 500 Euro (equivalent in the relevant currency) |
| National currency bank-to-bank transfers without opening an account | Up to GEL 1 000 - GEL 2 |
| From GEL 1 000 to GEL 10 000 - GEL 4 | |
| From GEL 10 000 to GEL 100 000 - GEL 10 | |
| From GEL 100 000 and above - GEL 100 | |
| USD bank-to-bank transfers without opening an account | 0.2%, Min. USD 20, Max. USD 500 |
| Bank-to-bank transfers without opening an account in EUR and other foreign currencies (excluding USD) | 0.2%, Min. EUR 20 (equivalent in the relevant currency); Max. EUR 500 (equivalent in the relevant currency) |
| Guaranteed full transfer of funds to another bank's recipient account in USD | Additional conversion fee USD 25 |
| Guaranteed full transfer of funds to another bank's recipient account in Euro and other currencies (excluding USD) | Additional conversion fee USD 25 |
| Making changes in the completed transfer | USD/EUR 50 |
| Searching for transferred funds | USD/EUR 50 |
| Cancelling transfers | USD/EUR 50 |
| Fast transfer of GEL to another bank* | Up to GEL 5,000 - Fixed GEL 1 |
| From 5,000 GEL - Fixed GEL 2 | |
| Transfers via mobile phone * | Up to GEL 50 - FREE |
| From GEL 50 - GEL 1 |
* For swift transfers, if completed before 17:50 on a business day, funds will be deposited into the recipient's account on the very same day. The transaction will be processed within a 15-minute window.
*If another payment system or bank is part of the payment process, Terbank holds no responsibility for any additional fees they may impose, if applicable. Such fees are the responsibility of the client and must be paid accordingly.
***Transfer limit is set at GEL 1 500 (or equivalent in foreign currency). Transfers exceeding this limit are permissible only under specific circumstances: payment of household tax, medical service tax, or education fee, or if the recipient is the state treasury or another state entity.
Important information:
To initiate a foreign currency payment, a document verifying the basis of the transaction (such as an agreement or invoice) must be provided if the transfer amount exceeds GEL 100 000 (one hundred thousand) or its equivalent in the currency of the National Bank.
Subject to international and local legal regulations, as well as the Bank's internal policies, the Bank reserves the right to request documentation confirming the basis of the transaction (such as an agreement or invoice) and any other necessary information or documentation for the thorough examination of the transaction, irrespective of the amount involved.
Current Account Opening and Service
| Account Opening Application Fee for Non-Resident Individuals* | GEL 50 |
|---|---|
| Opening a multi-currency nominal holding account | GEL 10 |
| Monthly service fee for sole proprietorship individuals' accounts | GEL 1 |
| Dormant account monthly service fee** | GEL 5 |
** Dormant account - an account that has seen no client-initiated activity in the last six months.
Cash-Related Service
| Depositing money into the account in national and foreign currencies | Free |
|---|---|
| Commission for depositing funds for a loan on the accounts of a microfinance organization | 1 unit (in the relevant currency) |
| Withdrawal of national currency from the account (up to the deposited amount) | 0.4%, Min. GEL 0.50 |
| Withdrawal of foreign currency from the account (within the deposited amount) | 0.6%, Min. equivalent to GEL 1 |
| Withdrawal of funds from the account up to the available cash balance (amount deposited by the client in cash). | Free |
| Fee for Withdrawing principal or accrued interest from savings deposits | Within the cash balance - 0% |
| For balance within the deposited amount in national currency - 0.40% | |
| For balance within the deposited amount in foreign currency - 0.60% min. equivalent to GEL 1 | |
| Fee for withdrawing principal or accrued interest from term deposits | 0% (Both within the cash balance and the deposited amount) |
| Withdrawal fee for third-party deposits within one banking day | GEL 50 000 and more in national currency - 0.1% |
| Equivalent to GEL 50,000 and more in foreign currency - 0.25% | |
| Acceptance and Exchange of Damaged Foreign Currency Banknotes | 3% |
Depositing Money Through POS Terminals*
| Depositing cash via terminal at the bank branch (GEL, USD, EUR) | Free |
|---|---|
| Depositing cash through oppa-owned machines (GEL, USD, EUR) | 2%, Min. GEL 0.5 |
| Depositing national currency via TBC PAY | GEL 1 |
| Depositing foreign currency (USD, EUR) via TBC PAY | GEL 2 in the relevant currency |
Currency Conversion
| Currency conversion at Terabank's current exchange rate | FREE |
|---|
Remote Channels
| Registration in Internet/Mobile Banking | Free |
|---|---|
| Internet banking with password | Free |
| Monthly fee for SMS DigiPass Internet Banking | GEL 1.5 |
| Monthly Fee for DigiPass Internet Banking | GEL 5 |
| The price of DigiPass | GEL 50 |
| DigiPass loss/damage fee | GEL 50 |
Standard Standing Order
| Registration | FREE |
|---|---|
| Monthly service fee | GEL 1 |
| Transfer fee in national currency | Standard fee determined for transfers made through remote channels |
| Transfer fee in foreign currency | Standard fee |
Automatic Utility Transfers
| Registration | Free |
|---|---|
| Monthly service fee | GEL 1 |
| Transfer fee | Standard |
SMS Service
| Registration | FREE |
|---|---|
| Monthly service fee | GEL 1 |
Individual Safes
| Small safes (29*50*8) | GEL 40 per month |
|---|---|
| Medium-sized safes (29*50*18; 29*50*28) | GEL 60 per month |
| Penalty for Non-Payment of Safe Deposit Fee | 50% of the amount for each overdue day |
| Penalty for Lost or Damaged Key | GEL 150 |
Billing Payments
| Payment execution at the branch | Up to GEL 1 (Depends on the provider) |
|---|---|
| Payment execution in remote channels | Up to GEL 0.5 (Depends on the provider) |
Banking Documents
| Statement of account for transactions within the last 2 years | FREE |
|---|---|
| Statement of account for transactions older than 2 years* | GEL 20 |
| Restoration of a document with a seniority of less than 2 years from the program | One document - GEL 10 |
| Issuing a copy of the original agreement from the archive** | One agreement - GEL 10 |
| Issuing a notice on account balances (in Georgian) | GEL 10 |
| Issuance of a notice on account balances (in English) | GEL 30 |
| Statement of debt (in Georgian and English)*** | GEL 10 |
| Issuance of non-standard certificate (in Georgian and English)**** | GEL 30 |
| Letter from the bank regarding the release of mortgage/pledge; Removal of mortgage/lien | GEL 10 |
| Loan approval notification | GEL 30 |
**The fee does not apply to deposit and loan agreements (including those signed remotely) that are valid or have not been terminated for more than 2 years. The document issuance period is a minimum of 3 working days, which may be extended depending on the volume of requested documents.
***The client has the right to receive information about the debt (including overdraft and the utilized credit card limit) free of charge, unless the client requests the information in the form of a statement on the bank's letterhead.
****No fee is applied for the bank's refusal to grant credit if the refusal is solely based on the data in the credit information bureau's database.
