• Up to 10.50% interest rate in GEL
  • Possibility to save from 3 months to 2 years
  • Best secured saving option
In GEL/USD if opened through internet and mobile banking

General description

If you are comfortable with "locking in" your money for a particular period, then a Term Deposit is the best way to save while getting the highest guaranteed interest rate.

The highest interest rates will be accrued on an amount that is deposited for a certain term. You can get the interest at the end of deposit term, as well as at the end of each month or even beforehand, on the opening day of the Term Deposit.

Interest rates

3-5 months 7.76% 1.25% - -
6-8 months 8.55% 1.90% - 0.65%
9-11 months 9.00% 2.40% 0.15% 1.15%
12 month 9.40% 2.90% 0.65% 1.65%
13-14 months 9.40% 3.00% 0.75% 1.75%
15-17 months 9.65% 3.05% 0.80% 1.80%
18-20 months 9.80% 3.15% 0.90% 1.90%
21-23 months 10.05% 3.30% 1.05% 2.05%
24 months 10.20% 3.40% 1.15% 2.15%
In case of interest withdrawal in advance from GEL Term Deposit, the interest rate will be reduced by 1.4%, additionally if advance withdrawals are from foreign currency deposit, the interest rate will be reduced by 0.7%. In case of monthly interest withdrawals, the yield is 0.5% less for GEL accounts and 0.2% less for foreign accounts. Interest rates for non-residents are different. Please see "Other Terms"

Interest rates for nonresidents

Interest rate of Term Deposit in case of nonresident is 0.50% less than rate for resident in all currencies.

Other terms

  • Account opening and transactions are free of charge.
Minimum Balance Requirement
  • The minimum balance for Term Deposits is 500 GEL/USD/EUR/GBP.
  • Adding extra amounts to Term Deposits is not allowed.
Terms and conditions
  • You can open a Term Deposit for a period of 3 to 24 months.

Premature cancellation

In the case of early termination of the deposit, different interest rates shall apply:

  • GEL   -4% min. 0,5%  (deposit will accrue 4% (min. 0,5%) less interest than it would have been for the actual period from the date of opening until the date of termination).
  • USD    0.30%;
  • GBP   0.10%;
  • EUR    0.00%.

Note: already withdrawn interest will be deducted from the principal amount.


Deposit Protection Notice For UK Citizens

JSC TBC Bank is a joint-stock company incorporated in Georgia, with its registered office and principal place of business at 7 Marjanishvili St., 0102 Tbilisi. JSC TBC Bank has a share capital of GEL 20,617,387 and total reserves of GEL 1,299,140,813 as of December 31, 2017. TBC Bank is the trading name of JSC TBC Bank. JSC TBC Bank is authorised and regulated for its deposit taking business by the National Bank of Georgia. JSC TBC Bank is not, and is not required to be, authorised in the UK. Depending on your status as a consumer, eligible deposits at JSC TBC Bank may be  protected under the regulations of the National Bank of Georgia and the Law of Georgia on Deposit Insurance.


Deposits Insurance System

Please be advised that from January 1, 2018, TBC Bank has joined the deposit insurance system designed in compliance with the Georgian Law on Deposit Insurance System. The Deposit Insurance Agency will provide GEL 5000 refund for any deposit/account held by a natural person with each commercial bank, irrespective of the number of deposits/accounts, while the rest of the amount will be reimbursed in compliance with the effective law.

For additional information please visit the website of Deposit Insurance Agency, LEPL at:

how to apply?

Apply online

Apply via internet or mobile banking and get +0.15% additional interest rate on deposits in GEL and USD currency

(+995 32) 227 27 27

Call 24 hours a day, 7 days a week or request a call back.

Visit a branch

Apply at the nearest branch.
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