Fees - TBC Bank

Business Plan

Business Plan for Individuals

Product / Service	Business Plan Yellow (for Individuals)		Business Plan Purple (for Individuals)		Business Plan Blue (for Individuals)		Standard Terms and Conditions
	Monthly 2 GEL/ Annual 20 GEL		Monthly 5 GEL/ Annual 50 GEL		Monthly 10 GEL/ Annual 100 GEL
Business Club Visa Gold	Free		Free		Free		The product/ service is not available independently, without the subscription plan
Cash withdrawal from TBC and partner banks' ATMs	Free		Free		Free		The product/ service is not available independently, without the subscription plan
Cash withdrawal from other banks' ATMs	2%, min. 3 USD/EUR/GBP or 6 GEL		2%, min. 3 USD/EUR/GBP or 6 GEL		2%, min. 3 USD/EUR/GBP or 6 GEL		The product/ service is not available independently, without the subscription plan
ATM withdrawal limit	daily	5,000	daily	15,000	daily	20,000	The product/ service is not available independently, without the subscription plan
	weekly	N/A	weekly	75,000	weekly	80,000
Purchase limit	daily	10,000	daily	N/A	daily	N/A	The product/ service is not available independently, without the subscription plan
	weekly	70,000	weekly	100,000	weekly	100,000
Cash withdrawal from subscription plan card account in TBC Bank branches	<= 3,000 GEL - 2%, min. 2 GEL		<= 3,000 GEL - 2%, min. 2 GEL		<= 3,000 GEL - 2%, min. 2 GEL		<= 3,000 GEL - 2%, min. 2 GEL
	<=1000 USD/EURO/GBP - 2% , min. 1 USD/EURO/GBP		<=1000 USD/EURO/GBP - 2% , min. 1 USD/EURO/GBP		<=1000 USD/EURO/GBP - 2% , min. 1 USD/EURO/GBP		<=1000 USD/EURO/GBP - 2% , min. 1 USD/EURO/GBP
	>3000/ >1000 USD/EURO/GBP - 0,6 %		>3000/ >1000 USD/EURO/GBP - 0,6 %		>3000/ >1000 USD/EURO/GBP - 0,6 %		>3000/ >1000 USD/EURO/GBP - 0,6 %
External transfers in GEL from TBC Bank branches	0<= 10,000 - 4 GEL 10,000<= 100,000 - 10 GEL >100,000 - 100 GEL		0<= 10,000 - 4 GEL 10,000<= 100,000 - 10 GEL >100,000 - 100 GEL		0<= 10,000 - 4 GEL 10,000<= 100,000 - 10 GEL >100,000 - 100 GEL		0<= 10,000 - 4 GEL 10,000<= 100,000 - 10 GEL >100,000 - 100 GEL
External transfers in GEL from digital channels	0<=500 GEL - Free 500<=1,000 GEL - 1 GEL 1,000<=10,000 GEL - 2 GEL 10,000 <=100,000 GEL - 5 GEL >100,000 GEL - 50 GEL		0<=1,000 - Free 1,000<= 10,000 - 2 GEL 10,000<= 100,000 - 5 GEL >100,000 – 50 GEL		Fixed 1 GEL		0<=1,000 - 1 GEL 1,000<= 10,000 - 2 GEL 10,000<= 100,000 - 5 GEL >100,000 – 50 GEL
External transfers in foreign currency	−		−		USD	Fixed 15 USD	USD	0.2% მინ. 15 USD, მაქს. 500 USD
					EUR	Fixed 15 EUR	Other foreign currency	0.2% min. 15 EUR/ 15 EUR equiv., max. 150 EUR/ 150 EUR equiv.
Internal transfers in GEL from TBC Bank branches	1 GEL		1 GEL		1 GEL		1 GEL
Internal transfers in GEL from digital channels	Free		Free		Free		Free
Internal transfers in foreign currency from TBC Bank branches	Equiv. 1 GEL		Equiv. 1 GEL		Equiv. 1 GEL		Equiv. 1 GEL
Internal transfers in foreign currency from digital channels	Free		Free		Free		Free
Utility payments in digital channels	5 Payment-Free		5 Payment-Free		5 Payment-Free		5 Payment - 2,5 GEL
SMS service	Free		Free		Free		1 GEL monthly
Digipass application	Free		Free		Free		10 GEL

Business Plan for Companies

Product / Service	Business Plan Startaper (for Companies)		Business Plan Yellow (for Companies)		Business Plan Purple (for Companies)		Business Plan Blue (for Companies)		Standard Terms and Conditions
	Monthly 5 GEL		Monthly 10 GEL/ Annual 100 GEL		Monthly 20 GEL/ Annual 200 GEL		Monthly 50 GEL/ Annual 500 GEL
Business Club Visa Business	Free		Free		Free		Free		The product/ service is not available independently, without the subscription plan
Cash withdrawal from TBC and partner banks' ATMs	0,2 %		Free		Free		Free		The product/ service is not available independently, without the subscription plan
Cash withdrawal from other banks' ATMs	2%, min. 3 USD/EUR/GBP or 6 GEL		2%, min. 3 USD/EUR/GBP or 6 GEL		2%, min. 3 USD/EUR/GBP or 6 GEL		2%, min. 3 USD/EUR/GBP or 6 GEL		The product/ service is not available independently, without the subscription plan
ATM withdrawal limit	daily	20,000	daily	5,000	daily	15,000	daily	20,000	The product/ service is not available independently, without the subscription plan
	weekly	75,000	weekly	N/A	weekly	75,000	weekly	80,000
Purchase limit	daily	N/A	daily	10,000	daily	N/A	daily	N/A	The product/ service is not available independently, without the subscription plan
	weekly	120,000	weekly	70,000	weekly	100,000	weekly	100,000
Cash withdrawal from subscription plan account in TBC Bank branches	<= 3,000 GEL - 2%, min. 2 GEL		<= 3,000 GEL - 2%, min. 2 GEL		<= 3,000 GEL - 2%, min. 2 GEL		<= 3,000 GEL - 2%, min. 2 GEL		<= 3,000 GEL - 2%, min. 2 GEL
	>3000 - 0,2 %		>3000 - 0,2 %		<=1000 USD/EURO/GBP - 2% , min. 1 USD/EURO/GBP		<=1000 USD/EURO/GBP - 2% , min. 1 USD/EURO/GBP		<=1000 USD/EURO/GBP - 2% , min. 1 USD/EURO/GBP
	−		−		>3000 - 0,2 %; >1000 USD/EURO/GBP - 0,6 %		>3000 - 0,2 %; >1000 USD/EURO/GBP - 0,6 %		>3000 - 0,2 %; >1000 USD/EURO/GBP - 0,6 %
Opening current account in GEL	Free		Free		Free		Free		10 GEL
Opening current account in Foreign Currency	−		−		−		Free		10 GEL
External transfers in GEL from TBC Bank branches	0<=1000 GEL - 5 GEL 1,000<=10,000 GEL - 10 GEL 10,000<=100,000 GEL - 20 GEL >100,000 GEL - 200 GEL		0<=1000 GEL - 5 GEL 1,000<=10,000 GEL - 10 GEL 10,000<=100,000 GEL - 20 GEL >100,000 GEL - 200 GEL		0<=1000 GEL - 5 GEL 1,000<=10,000 GEL - 10 GEL 10,000<=100,000 GEL - 20 GEL >100,000 GEL - 200 GEL		0<=1000 GEL - 5 GEL 1,000<=10,000 GEL - 10 GEL 10,000<=100,000 GEL - 20 GEL >100,000 GEL - 200 GEL		0<=1000 GEL - 5 GEL 1,000<=10,000 GEL - 10 GEL 10,000<=100,000 GEL - 20 GEL >100,000 GEL - 200 GEL
External transfers in GEL from digital channels	0<=1,000 GEL - 1 GEL 1,000<= 10,000 GEL - 5 GEL 10,000<= 100,000 GEL - 10 GEL >100,000 GEL - 100 GEL		0>=500 GEL - Free 500<=1,000 GEL - 1 GEL 1,000 <= 10,000 GEL - 5 GEL 10,000<=100,000 GEL - 10 GEL >100,000 GEL - 100 GEL		0<=1000 - Free 1,000<= 10,000 GEL - 5 GEL 10,000<= 100,000 GEL - 10 GEL >100,000 GEL - 100 GEL		fixed 1 GEL		0<=1,000 GEL - 1 GEL 1,000<= 10,000 GEL - 5 GEL 10,000<= 100,000 GEL - 10 GEL >100,000 GEL - 100 GEL
External transfers in foreign currency	−		−		−		USD	Fixed 15 USD	USD	0.2% min. 15 USD, max. 500 USD
							EUR	Fixed 15 EUR	Other foreign currency	0.2% min. 15 eur/ 15 EUR equiv., max. 500 eur
Internal transfers in GEL from TBC Bank branches	3 GEL		3 GEL		3 GEL		3 GEL		3 GEL
Internal transfers in GEL from digital channels	Free		Free		Free		Free		Free
Internal transfers in foreign currency from TBC Bank branches	Equiv. 3 GEL		Equiv. 3 GEL		Equiv. 3 GEL		Equiv. 3 GEL		Equiv. 3 GEL
Internal transfers in foreign currency from digital channels	Free		Free		Free		Free		Free
Visa Business card	−		−		−		Free		150 GEL
Utility payments in digital channels	5 Payment-Free		5 Payment-Free		5 Payment-Free		5 Payment-Free		5 Payment - 2,5 GEL
SMS service	Free		Free		Free		Free		1 GEL monthly
Internet Bank	Free		Free		Free		Free		15 GEL quarterly
Digipass application	Free		Free		Free		Free		20 GEL

Accounts

For legal entities whose beneficiary/shareholder/controlling person is a non-resident individual(s), the bank product registration fee, including the fee for account opening application review, is 500 GEL.


Current account opening	Free*
Current account maintenance	0 GEL, monthly
Cash withdrawals from current account	GEL - 0.2%; Other currency (USD/EUR/GBP/CHF) - <50,000 USD - 0.6%, >= 50,000 USD - 0.5%
Cash deposits to current account at the branch	Up to 1500 GEL (equivalent in USD, EUR) - Free, From 1500 GEL (equivalent in USD, EUR) - 1 GEL
Savings account opening and maintenance	Free

* According to Decree 8 of the Council of the National Bank of Georgia on the Circulation Period of 1 and 2 Tetri Denomination Coins, the circulation period of 1 and 2 denomination coins expired at the end of 2020, while before the end of 2021, commercial banks will exchange 1 and 2 tetri coins. The value of the cash transaction carried out in the form of coins must be a multiple of 5. For more details, please visit the NBG website: https://www.nbg.gov.ge/index.php?m=340&newsid=3501 / https://www.nbg.gov.ge/index.php?m=714

Transfers and currency exchange

Transfers in digital bank one's own accounts and with others (in any currency)		Free
Transfer between own accounts and with others in branches (in any currency)		3 GEL (equivalent in foreign currencies)
To other banks* - GEL	Amount of Transfer	Digital Bank	Branches
	Up to 1000 GEL	1 GEL	5 GEL
	From 1000 GEL to 10 000 GEL	5 GEL	10 GEL
	From 10 000 GEL to 100 000 GEL	10 GEL	20 GEL
	100 000 GEL and more	100 GEL	200 GEL
To other banks* - USD/EUR		0.2% min. 15 USD, max. 500 USD	0.2% min. 15 EUR, max. 500 EUR
State budget transfers - GEL	Amount of Transfer	Digital Bank	Branches
	Up to 1000 GEL	1 GEL	5 GEL
	From 1000 GEL to 10 000 GEL	5 GEL	10 GEL
	From 10 000 GEL to 100 000 GEL	10 GEL	20 GEL
	100 000 GEL and more	100 GEL	200 GEL
State budget transfers - USD/EUR		-	-
Transfer limits (using Internet, Mobile, iPad banking)		Unlimited, using digipass
Amendment to payment order/investigation
USD		55 USD
Other currency		55 EUR
Utility payment from branch		2 GEL
Utility payment using internet banking, mobile banking		0.5 GEL
Currency exchange with TBC Bank's rates - upon request		Free
Currency exchange with one day prior notification		In accordance with treasury department

1 – The recipient will receive the full amount transferred if extra 20 USD/30 EUR is paid. Otherwise, the intermediary bank's fee will be deducted from the transferred amount.

Rounding rules for cash payments.

In compliance with Decree #7 of 5 October, 2018 of the Council of the National Bank of Georgia "On the Approval of the Rounding Method for Cash Payments and the Rule for Using the Method", from 1 January 2019, the rounding method will apply to currency exchange through cash transactions, i.e. the charged amount will be rounded up or down to the nearest multiple of 5.

For more details and examples, please visit the National Bank of Georgia's website https://www.nbg.gov.ge/index.php?m=714

Money transfer details and working hours

GEL payment order

Necessary banking details for initiating a GEL payment order:

Receiving bank code;
Receiving bank IBAN;
Recipient name;
Your GEL payment order will be accepted during the working hours of the servicing branch;

An internal GEL payment order will be completed on the same day if it is initiated before

20:00 – on weekdays

14:00 - on Saturday

Note: An internal GEL payment order accepted in a service center-on-duty and a 24/7 service center after the stated hours and on non-working days will be completed on the following working day if it is subject to an additional check from the Bank.

An external GEL order will be completed on the same day if it is initiated before

17:30 – on weekdays.

Note: An external GEL payment order accepted in a service center-on-duty and a 24/7 service center after the stated hours and on non-working days will be completed on the following working day.

Foreign currency payment orders

Necessary banking details for initiating a foreign currency payment order:

Receiving bank code;
Receiving bank IBAN;
Recipient name;
A document testifying to the legality of transfer/an invoice (for transfers ≥ 100 000 GEL equivalent according to the official exchange rate)
Your foreign currency payment order will be accepted during the working hours of the servicing branch;

An internal foreign currency payment order will be completed on the same day if it is initiated before:

20:00 – on weekdays

14:00 - on Saturday

Note: An internal foreign currency payment order accepted in a service center-on-duty and a 24/7 service center after the stated hours and on non-working days will be completed on the following working day if it is subject to an additional check from the Bank.

The Bank will transfer an external foreign currency payment order to the receiving bank on the same day if the order is initiated before

18:00 – on weekdays.

Note: An external foreign currency payment order accepted in a service center-on-duty and a 24/7 service center after the stated hours and on non-working days will be completed on the following working day.

Correction of transfer/inquest
USD or RUR	55 USD
Other currency	55 EUR

* In case of additional 20 USD/30 EUR fee, beneficiary will receive full transfers amount. Otherwise, beneficiary might receive amount reduced by intermediary bank's fee

Bmatch platform service

In line with the Regulation of the National Bank of Georgia, non-banking market participants can already participate in the Bloomberg Bmatch Currency Platform with the help of TBC Bank Brokerage Service. The mentioned change aims to diversify the Currency Market participants, increase transparency and liquidity and encourage competition in the Currency Market.

Legal and natural persons can file currency conversion applications on the Bmatch platform with the help of TBC Bank. The applications can be filed via internet banking after signing the Currency Service Agreement.

These are the terms for filing applications on the Bloomberg Bmatch Platform:

Minimum amount: 100 000 USD, with 10 000 USD bids
Application currencies: USD/GEL
Amount must be deposited in account at the time of filing an application
One can choose the exchange rate

Fees on the Bloomberg Bmatch Platform:

Application filing fee	100 GEL
Application modification fee	100 GEL
Application cancellation fee	100 GEL
Per transaction settlement fee – GEL	0.07%
Per transaction settlement fee – USD	0.2% maximum 500 USD

Remote services

	Standard	Startups*
Internet banking registration fee	Free	Free
Internet banking quarterly fee	15 GEL	15 GEL
Internet banking quarterly fee for viewer-only access	Free	Free
TBC DIGIPASS application initial registration fee	20 GEL	Free
TBC DIGIPASS application repeated installation fee	Free	Free
DIGIPASS device initial registration fee	85 GEL	85 GEL
DIGIPASS device replacement fee	85 GEL	85 GEL
Phone banking	Free	Free
Direct debit, standing order	Free**	Free**
SMS service monthly fee	1 GEL	1 GEL

* This tariff applies to startups, whose registration period does not exceed 6 months

**if standing order is for transfers outside TBC Bank, standard transfer fees apply

Business cards and limits


Business Card annual service fee	150 GEL
Renewal of damaged/lost card	150 GEL
Min. balance requirement	Not required
Cash withdrawal fees in TBC branches	Up to 3,000 GEL will be 2% (min. 2 GEL), for foreign currency withdrawals up to 1000 USD/EUR/GBP - 2% (min. 1 USD/EUR/GBP). above 3,000 GEL - 0.6%
Cash withdrawal fees in other banks' branches	2%, min.3 USD/EUR/GBP or 6 GEL
Cash withdrawal in TBC Bank, Basis Bank, Halyk and Credo Bank ATMs	GEL - 0.2% , min. 0.2 GEL USD/EUR/GBP
Withdrawal from cards in Liberty Bank ATM's	0.7%, min. 0.3 GEL
Cash withdrawal in other banks' ATMs	2%, min. 3 USD/EUR/GBP, or 6 GEL
24 hr withdrawal limit (in banks)	Unlimited in TBC Bank, other banks - 35,000 GEL USD
24 hr withdrawal limit (in ATMs)	15,000 GEL
Weekly purchase limit	100,000 GEL
Weekly ATM withdrawal limit	75,000 GEL
Stop list (local)	Free
Stop list (international)	50 USD per region, weekly

Documentary letter of credit

For fees please contact Documentary Operations Unit at: TradeFinance@tbcbank.com.ge

GUARANTEES

For fees please contact Documentary Operations Unit at: TradeFinance@tbcbank.com.ge

DOCUMENTARY COLLECTION

For fees please contact Documentary Operations Unit at: TradeFinance@tbcbank.com.ge

Other Services


Individual safe boxes (per 24 hr)	0.5 - 3.5 GEL
Accepted damaged foreign currency	10%
Deposit of Turkish Lira, Azerbaijanian Manat, Australian Dollar, Israeli Shekel, Danish Krone, Polish Zloty, Swedish Krona and Japanese Yen banknotes into an account	3%
Deposit of Russian Ruble banknotes into an account	10%
Banknote authenticity verification	0.1% min. 10 GEL
Cash collection	Price negotiable
Issuance of any type of statement on TBC Bank customer data and accounts	from active accounts	10 GEL
	from closed accounts	30 GEL
Issuing statement on the arrears to be paid to the bank	from active accounts	10 GEL
	from closed accounts	10 GEL
Recovery of a less than 2-year-old document from the program (marked as "Copy" and bearing the bank transaction seal, if required).	from active accounts	Free
	from closed accounts	Free
Recovery of a more than 2-year-old document from the program (marked as "Copy" and bearing the bank transaction seal, if required).	from active accounts	10 GEL
	from closed accounts	10 GEL
Issuance of the original copy of any document from the archive* (signed by the client and the bank officer)	from active accounts	40 GEL
Retrieval of a statement from the Bank's program (for transactions carried out less than 2 years ago)	Active account	Free
	Closed account * *	Free
Retrieval of a statement from the Bank's program (for transactions carried out more than 2 years ago)	Active account	20 GEL
	Closed account	30 GEL
Individual English translation of a bank statement *** (for transactions carried out less than 2 years ago)	Active account	20 GEL
	Closed account	30 GEL
Individual English translation of a bank statement (for transactions carried out more than 2 years ago)	Active account	30 GEL
	Closed account	40 GEL
Deposit/loan statement	Effective agreement	Free
	Less than 2 years have passed from the closing/termination of the agreement	Free
	More than 2 years have passed from the closing/termination of the agreement	30 GEL

Program statements are issued immediately upon request

*Except deposit and loan agreements.

**In the case of closed accounts, 2 years refer to a period before closing;

** Rules for issuing statements translated into English individually:

If requested before 18:30, an English translation of a bank statement is issued on the same business day;
If requested after 18:30, an English translation of a bank statement is issued on the following business day;
If requested after 13:45 on Saturday, an English translation of a bank statement is issued on the following business day before 12:00.