Term Deposit

Open a term deposit, and get a high interest rate every month, or at the end of the term.

  • Term: 3-24 months
  • Currency: GEL, USD, EUR
  • Minimum initial contribution: 500 Units

Term Deposit

Open a term deposit, and get debit cards for free

Visa Platinum

Visa Platinum

For deposits amounting to 100 000 GEL or more (or an equivalent amount in a relevant currency, with rates from National Bank of Georgia)

Visa/Mastercard Gold

Visa/Mastercard Gold

For deposits amounting to 10 000 GEL or more (or an equivalent amount in a relevant currency, with the rates from National bank of Georgia)

Term Deposit Terms

Deposit opening Free
Deposit currency GEL, USD, EURO
Deposit term 3-24 months
Minimal initial contribution 500 units
Withdrawal terms In advance, monthly, at the end of the term

 

  • If the violation occurs within one calendar month from the deposit's opening date, a fine of 0.25% will be charged on the deposit amount. If the violation occurs after one calendar month, the deposit will be charged the interest rate applicable to the savings deposit at the bank at the time of the violation, based on the actual term placed.
  • If the deposit is breached, any previously paid benefits (if they were accrued monthly or in advance) will be deducted from the principal amount of the deposit.
     

How to open a deposit?

 
 
Log in to the Internet banking Visit: https://ebanking.ge/login and enter your credentials
 
Navigate to "Offers"
 
Select "Deposits"
 
Choose the desired deposit Enter the required information in the appropriate fields.
 
Log in to Mobile banking and enter your credentials Download with link or Scan QR 
 
Navigate to "Offers"
 
Choose the desired depositEnter the required information in the appropriate fields.

Contact us:

Interest Rates

Annual interest rate in GEL:

Deposit term Interest withdrawal at the end of the term Interest withdrawal on a monthly basis Interest withdrawal in advance
3-5 10.00% 9.90% 9.75%
6-8 10.35% 10.15% 9.85%
9-11 10.45% 10.10% 9.70%
12-14 10.50% 10.05% 9.55%
15-17 10.60% 10.05% 9.45%
18-20 10.70% 10.05% 9.35%
21-23 10.75% 10.95% 9.15%
24 10.80% 10.90% 9.05%
  Effective interest rate in GEL:
Deposit term Interest withdrawal at the end of the term Interest withdrawal on a monthly basis Interest withdrawal in advance
3-5 10.38% 10.36% 10.47%
6-8 10.62% 10.64% 10.73%
9-11 10.58% 10.58% 10.70%
12-14 10.50% 10.53% 10.66%
15-17 10.47% 10.53% 10.68%
18-20 10.43% 10.53% 10.70%
21-23 10.35% 10.42% 10.59%
24 10.27% 10.36% 10.50%
 

Annual Interest Rate in USD

Deposit term Interest withdrawal at the end of the term Interest withdrawal on a monthly basis Interest withdrawal in advance
3-5 2.65% 2.55% 1.70%
6-8 2.70% 2.60% 1.80%
9-11 2.75% 2.70% 2.15%
12-14 3.20% 3.10% 2.55%
15-17 3.30% 3.20% 2.55%
18-20 3.45% 3.40% 2.80%
21-23 3.50% 3.40% 2.85%
24 3.55% 3.45% 2.80%
   Effective Interest Rate in USD 
Deposit term Interest withdrawal at the end of the term Interest withdrawal on a monthly basis Interest withdrawal in advance
3-5 2.68% 2.58% 1.72%
6-8 2.72% 2.63% 1.83%
9-11 2.76% 2.73% 2.20%
12-14 3.20% 3.14% 2.62%
15-17 3.29% 3.25%  2.63%
18-20 3.42% 3.45% 2.91%
21-23 3.46% 3.45% 2.97%
24 3.49% 3.51% 2.92%
  *Effective interest Rate is calculated on 5,000 unit. 

Annual Interest Rate in Euro

Deposit term Interest withdrawal at the end of the term Interest withdrawal on a monthly basis Interest withdrawal in advance
3-5 1.60% 1.50% 1.35%
6-8 1.75% 1.50% 1.35%
9-11 2.00% 1.80% 1.75%
12-14 2.50% 2.30% 2.15%
15-17 2.70% 2.60% 2.20%
18-20 2.80% 2.70% 2.30%
21-23 2.85% 2.75% 2.35%
24 2.90% 2.80% 2.40%
Effective Annual Rate in Euro 
Deposit term Interest withdrawal at the end of the term Interest withdrawal on a monthly basis Interest withdrawal in advance
3-5 1.61% 1.51% 1.36%
6-8 1.76% 1.51% 1.37%
9-11 2.00% 1.81% 1.78%
12-14 2.50% 2.32% 2.20%
15-17 2.69% 2.63% 2.26%
18-20 2.78% 2.73% 2.37%
21-23 2.82% 2.78% 2.43%
24 2.86% 2.84% 2.49%
*Effective interest Rate is calculated on 5,000 unit.  

Frequently Asked Questions

Didn't find what you're looking for? Send us a question
What interest rates are available for non-residents?

Interest rates for non-residents are determined by individual agreements. For more info, please contact us.
 

Is it possible to withdraw interest benefits without breaching the deposit?

Yes, it is possible to allow a deposit-secured-overdraft with standard conditions. Also, you can use the cash-cover loan. 
 

What happens in case of the deposit breach?

If the breach happens within the first month after opening the deposit, the penalty in the amount of 0.25%, will be applied. In other cases, the savings deposit interest rate, applicable at the bank, during the time of the breach will be applied. 
 

What happens, if the interest is withdrawn before the breach?

Already withdrawn interest (if the interest accrual period happened monthly) will be deducted from the principal amount of the deposit. . 
 

Other Deposits

Term Deposit

Term Deposit

You can save money in a term deposit for a predetermined period and receive high interest benefits.

Certificate of Deposit

Certificate of Deposit

Opportunity to invest free money.

Child Deposit

Child Deposit

To easily save money until the child reaches adulthood.

Flex Deposit

Flex Deposit

A particularly flexible time deposit that offers the option to withdraw funds early while earning a high interest rate.

Royal Deposit

Royal Deposit

A flexible savings deposit card, offering unrestricted access to your funds.

Universal Deposit

Universal Deposit

Monthly withdrawals without losing interest benefits.

Savings Deposit

Savings Deposit

Unlimited deposit and withdrawal options available.

Deposit Insurance

Deposit Insurance

Ability to securely store and accumulate funds.

Terawallet

Terawallet

Deposit-based digital wallet that helps you to save funds whenever you use your card.

Increasing Deposit

Increasing Deposit

The best way to save-up money with monthly additions and a high interest rate

Got more questions?

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