Only one visit to bank an you can make different kind of transfers:

Type of Transfers	Destination
	To Personal Accounts	Within the Bank	Withing Georgia
Fixed Amount Transfer - transfering fixed amounts from one account to another
Conversion - converting any amount on personal accounts
Transfering with Automatic Conversion - transfering from one account currency to another with automatical conversion
Residual Control Transfer - transfering only if a residual on the account is equal to a specified amount
Collecting - collecting a sum from several accounts to one

Accounts that can be used for transfers:

• Current Account (incoming and outgoing)
• Plastic Card Account (incoming and outgoing)
• Savings Type Accounts, such as My Safe deposit, Savings Deposit etc. (only incoming transfers)*
• Term Type Accoutns, such as Term, Term+, Child and Increasing Deposits etc. (only incoming transfers)

Transfer Currency:

• Transfers within the bank are possible in any account currency available
• Transfers outside the bank are only possible in GEL

Transfer Timing:

• Daily - transfers made everyday
• Weekly - transfer made on a specified day of the week (Monday, Tuesday etc.)
• Monthly - transfers made on a specified date of the month (1,2,3...31)

Other Conditions:

• When making a conversion, the rate of conversion will be the commercial rate fixed on the day of order execution
• When transfering from one currency to another, the rate of conversion will be the official (National Bank of Georgia) rate fixed on the day of order execution

• If the client’s application does not indicate the sequence of automatic transfers, they (except from the automatic utility payments) will be performed as per to the date of the client’s application submitted to the bank (the automatic transfer for which the application was submitted initially will be performed first e.t.c);
• If insufficient funds are kept on the account to perform the primary transfer order, the bank will perform the next priority automatic transfer if the sufficient funds appear on the account for this priority transfer;
• The bank has the right to cancel the Direct Debit order unless the automatic transfer is performed in 30 attempts for the client’s reason; after the Direct Debit order is cancelled, the client shall fill out the application form once again for the Direct Debit service;
• If the date of the automatic transfer is a holiday or weekend, the bank will perform the transfer in accordance with the above stated terms.

Save time, money and avoid stress!