• Access your savings at any time
  • Get high interest on the non-reducible amount
  • Earn more with Concept Package

General description

"My Safe" combines secure savings and a high interest rate, while giving you the access to your savings at any time.

You can always access your savings. However you earn high interest on the non-reducible fixed amount.

Interest rates

The effective interest rate is calculated If the monthly average balance in the deposit account equals to 1,000 units and the minimum balance is 100 units


Deposit "My Safe"

(with floating interest rate)




 Nominal Interest Rate




 Effective Interest Rate





Annual interest rate for TBC Digital and Premium package subscribers:

  • GEL: 7% (Effective interest rate -0.90%)
  • USD: 0.50% (Effective interest rate -0.92%)
  • EUR: 0.15% (Effective interest rate -0.94%)
  • GBP: 0.25% (Effective interest rate -0.68%)

Annual interest rate for TBC Concept 360 package subscribers:

  • GEL: 7.50%(Effective interest rate -0.84%)
  • USD: 0.55% (Effective interest rate -0.91%)
  • EUR: 0.15% (Effective interest rate -0.94%)
  • GBP: 0.25% (Effective interest rate -0.48%)

Concept service users can open My Safe deposit with interest indexed to the official NBG refinancing rate and calculated as follows: NBG refinancing rate less 0,5%.

Example: According to the NBG refinancing rate as of May 2024, the annual interest rate on the deposit is 7.5%, while the effective interest rate is 0.63%. If the refinancing rate changes, the annual and effective interest rates will also change.

Information about the Public Index (index values) is available anytime on:

The deposit can only be opened in GEL.

Other terms

Type of deposit interest rate:

  • Floating interest rate.
  • Indexed interest rate – for TBC Concept only.


My Safe - with floating interest

  • Account opening - 10 GEL*; 

*Account opening via internet and mobile banking is free of charge.

Account opening is free of charge for Concept package holders at the branch an via internet/mobile banking

My Safe - with indexed interest rate

  • Account opening - free of charge

Minimum initial deposit

  • Not required.

Terms and conditions

  • Deposit does not have terms;
  • Interest accrues on the minimum amount available in the "My Safe" account from the 1st through the last day of the calendar month.


  • You can deposit amounts on "My Safe" account in cash or by transfer;
  • Cash withdrawal fee is set according to the tariffs effective at the bank.


Deposit in foreign currency:

  • The deposit in the foreign currency puts the customer before significant risk.
  • Currency rate fluctuation might considerably reduce the interest expressed in GEL.


Please consider that:

Your deposit is insured under the Deposit Insurance System in compliance with the Law of Georgia on Deposit Insurance System.

If the Main Terms of the Agreement (as provided in this Preamble, including the interest rate) are revised, the customer will be notified thereof via SMS no later than 2 (two) months in advance, while price increase on other financial facilities will be communicated via SMS no later than 1 (one) month in advance.

The Client can make a complaint orally, in writing (fill out a standard Complaint Form or compose a letter of complaint on his/her own) and electronically.

Useful information for clients is available on the National Bank of Georgia's website - and through the hotline – +995 322 406406.

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

On 1 January 2018, the Bank joined the Deposit Insurance System created on the basis of the law of Georgia on the Deposit Insurance System. If an insured event occurs, funds available in the deposit/account of a deposit holder will be reimbursed by the Deposit Insurance Agency up to 30 000 GEL, while the rest of the amount will be refunded according to the applicable law.For more information, please visit LEPL Deposit Insurance Agency's website

Tariffs – with floating interest rate

Tariffs at branches
Withdrawal fee GEL / USD / EUR / GBP 0.60% 0.40% 0.20%
"My Safe" deposit opening fee GEL / USD / EUR / GBP 10 GEL Free of charge Free of charge

Tariffs – with indexed interest rate

Withdrawal fee of transferred amount/amount deposited in cash GEL 0.15% 0.15%
"My Safe" deposit opening fee GEL Free of charge Free of charge
How to Apply?

Apply online

Apply via internet banking for free.

(+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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