Visa Gold

Unlock exclusive services and enjoy discounts at a wide range of shopping and service outlets worldwide.

Key Features:

Elevated withdrawal and transaction limits;
Instant SMS alerts for all card transactions;
Possibility to transfer funds to any Terabank card via ATMs;
Advanced security measures for all card operations;
Eligibility for Visa Gold upon opening a term deposit (minimum 10 000 units, 12-month term);
Provision for a credit (overdraft) limit on the card;
Accumulation of Tera Points.

Terms

Plastic Card Issuance and Service Rates

Card validity	4 year
Annual service fee	30 GELwithin the promotion (standard - 100 GEL)
Card upgrade (due to loss/damage)	30 GEL within the promotion (standard - 100 GEL)
Swift card issuance fee	Cost of the card + 30 GEL
Minimum balance	Not requested
Multi-currency account	GEL / USD / EUR / GBP
Service fees apply to funds returned from deposits made on Internet sites or operations conducted at terminals abroad	2%
Fee for changing the daily cash withdrawal limit from ATMs (maximum duration is 1 month)	5 GEL
Pin code recovery fee	5 GEL

* Unauthorized overspending occurs when a client exceeds the bank's account limit, resulting in a negative balance. In such cases, the client is required to promptly replenish the account to restore a zero balance.

Daily Limits for Cash Withdrawal and Settlement

Contactless operation	100 GEL
Cash withdrawal from ATM	10 000 GEL or its equivalent
Cash withdrawal at Terabank branch	Unlimited
In case of payment	30 000 GEL or its equivalent
From another bank	100 000 GEL or its equivalent

Cash and Withdrawal and Settlement Fees

Cash withdrawal in GEL from Terabank’s branch	0.40% min. 0.5 GEL
Cash withdrawal in foreign currency from Terabank’s branch	0.60% min. 1 GEL
Cash withdrawal from Terabank's ATM	0.2% min. 0.6 GEL
POS terminal settlement fee	0%
Cash withdrawal from the partner bank's ATM*	0.2% min. 0.6 GEL
Cash withdrawal from the partner bank's counter*	0.6% min. 0.6 Gel
Fee for each card transaction appeal**	15 USD
Cash withdrawal from another bank's counter	2.5% min. 3.5 USD
Transfer funds to a Terabank card using a Terabank ATM	0.1% min. 0.5 GEL
Card payment fee	0%
Adding the card to the local stop-list	Free
Adding the card to the international stop-list (for a duration of 2 weeks)	40 USD
Withdraw cash using a debit card from any other bank's ATM (domestic and international)***	2% min. 3.5 USD
Currency conversion fee for transactions made in a currency other than the card account's currency	3%

*Liberty Bank **In the event of reimbursement through insurance, clients will not incur appeal fees. The bank will cover this expense. ***When withdrawing money abroad, clients may encounter fees set by the ATM servicing bank, for which Terabank bears no responsibility. During the withdrawal process, a message regarding the commission appears on the ATM screen, prompting the customer to confirm their consent to proceed with the transaction, thereby agreeing to pay the ATM servicing bank's commission. By proceeding with the withdrawal process, the client automatically consents to pay the commission charged by the ATM servicing bank.