Certificate of Deposit

Take advantage of a Certificate of Deposit, withdraw money on the due date and get the high interest rate.

  • Term: from 3 up to 24 months
  • Currency: GEL, USD, EUR

Certificate of Deposit
Promotion on Term Deposits

Promotion on Term Deposits

Learn More

Interest-Bearing Certificate of Deposit

If you buy an interest-bearing certificate of deposit, you will receive the interest benefit every month, and the principal amount of the certificate will be paid at the end of its term. If you redeem the certificate after one month, the accrual condition is canceled, and you can receive the initial amount minus the monthly benefits already received.

Discount Certificate of Deposit

When you purchase a discount certificate of deposit, you will receive a high interest benefit in the form of a lump sum at the end of the term—the initial amount of the certificate plus the interest accrued on it.

Purchase a Deposit Certificate and Receive a Gift

Visa/Mastercard Gold

Visa/Mastercard Gold

For deposits of 10,000 GEL or more

Visa Platinum

Visa Platinum

For deposits of 100,000 GEL or more

Deposit Terms

Term   From 3 up to 24 months
Currency   GEL, USD, EUR 
Minimum nominal value   1000 units
Maximum nominal value   Unlimited
Withdrawal terms   At the end of the term, monthly
  • Both resident and non-resident individuals, as well as legal entities, can purchase a certificate of deposit.

  • Partial transfer of the certificate is not allowed.

  • The conditions of the sold certificate cannot be changed.

  • During the validity of the agreement, the owner of the certificate has the right, with the participation of the bank but without the bank's consent, to transfer the certificate to any person, in compliance with the conditions stipulated in the agreement. The fee for transferring the certificate to a third party is 0.1% of the nominal value of the certificate.

How to Request 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.
 
 
Open the online application pageVisit: www.terabank.ge and click on the online application button.
 
From the list of online applications, select the Application for Deposits Fill your mobile number
 
Complete the application form Enter the required information in the appropriate fields.

Contact us:

Interest Rates

Interest rate in GEL (promotion)

Annual interest rate in GEL:

Deposit Term Discount Interest-bearing
3-5 10.25% 10.15%
6-8 10.80% 10.60%
9-11 11.00% 10.65%
12-14 11.15% 10.70%
15-17 11.15% 10.70%
18-20 11.40% 10.70%
21-23 11.40% 10.70%
24 11.75% 10.75%
  Effective interest rate in GEL*:
Deposit Term Discount Interest-bearing
3-5 10.65% 10.64%
6-8 11.09% 11.13%
9-11 11.15% 11.19%
12-14 11.15% 11.24%
15-17 11.00% 11.24%
18-20 11.10% 11.24%
21-23 10.95% 11.24%
24 11.13% 11.30%
  *Effective interest rate is calculated for 5 000 units.

Interest rate in USD (promotion)

Annual interest rate in USD*:

Deposit Term Discount Interest-bearing
3-5 3.60% 3.20%
6-8 4.10% 3.70%
9-11 4.80% 4.60%
12-14 5.20% 4.90%
15-17 5.20% 4.90%
18-20 5.30% 5.00%
21-23 5.30% 5.00%
24 5.30% 5.00%
  Effective interest rate in USD*:
Deposit Term Discount Interest-bearing
3-5 3.65% 3.25%
6-8 4.14% 3.76%
9-11 4.83% 4.70%
12-14 5.20% 5.01%
15-17 5.17% 5.01%
18-20 5.23% 5.12%
21-23 5.20% 5.12%
24 5.17% 5.12%
*Effective interest rate is calculated for 5 000 units.

Interest rate in EUR (promotion)

Annual interest rate in EUR:

Deposit Term Discount Interest-bearing
3-5 2.60% 2.20%
6-8 3.10% 2.70%
9-11 3.80% 3.60%
12-14 4.20% 3.90%
15-17 4.20% 3.90%
18-20 4.30% 4.00%
21-23 4.30% 4.00%
24 4.30% 4.00%
  Effective interest rate in EUR*:
Deposit Term Discount Interest-bearing
3-5 2.63% 2.22%
6-8 3.12% 2.73%
9-11 3.82% 3.66%
12-14 4.20% 3.97%
15-17 4.18% 3.97%
18-20 4.25% 4.07%
21-23 4.23% 4.07%
24 4.21% 4.07%
  *Effective interest rate is calculated for 5 000 units.  

General Agreement on Deposit Certificate Service Terms and Conditions

Calculate Deposit Conditions

Frequently Asked Questions

Didn't find what you're looking for? Send us a question
What is the interest rate for non-residents?

Interest rates for non-residents are determined by individual agreement. For more information, contact us.
 

Can I use the certificate amount without redeeming it?

Yes, if desired, an overdraft secured by a certificate can be opened on the account under standard conditions. Additionally, you have the option to take out a loan secured by a certificate.

Other Deposits

Term Deposit

Term Deposit

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

Increasing Deposit

Increasing Deposit

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

Child Deposit

Child Deposit

To easily save money until the child reaches adulthood.

Flex Deposit

Flex Deposit

Flex Deposit offers the flexibility to access your funds early while providing a competitive interest rate.

Savings Deposit

Savings Deposit

Unlimited deposit and withdrawal options available.

Universal Deposit

Universal Deposit

Monthly withdrawals without losing interest benefits.

Deposit Insurance

Deposit Insurance

Ability to securely store and accumulate funds.

Certificate of Deposit

Certificate of Deposit

Opportunity to invest free money and to get the high interest rate.

Terawallet

Terawallet

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

Got more questions?

info@terabank.ge Send us a message
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