• Start saving without an initial deposit
  • Save with small deposits
  • Get a cash-covered loan

General description

"I wish" term deposit helps you achieve your saving goals steadily with small monthly deposits. In addition, you can personalize your deposit by naming it according to your goals, e.g.: My New Car, My Vacation, etc.

This deposit is a "Moneybox" that helps you collect money through monthly savings. TBC Bank will accrue interest on each amount you deposit, enabling you to accumulate the desired amount in the most efficient way.

Interest rates

Effective interest rate is calculated for minimum 1000 deposited units.

3-5 Months Annual 10.90% 0.25% N/A N/A
Effective From 11.35% From 0.25% N/A N/A
6-8 Months Annual 11.35% 0.30% N/A 0.15%
Effective From 11.67% From 0.3% N/A From 0.15%
9-11 Months Annual 11.55% 0.45% Na 0.25%
Effective From 11.72% From 0.45% N/A From 0.25%
12 Months Annual 11.80% 0.60% Na 0.45%
Effective From 11.81% From 0.6% N/A From 0.45%
13-14 Months Annual 11.80% 0.65% 0.00% 0.50%
Effective From 11.75% From 0.65% From 0% From 0.5%
15-17 Months Annual 11.70% 0.65% 0.00% 0.50%
Effective From 11.55% From 0.65% From 0% From 0.5%
18-20 Months Annual 11.65% 0.70% 0.00% 0.65%
Effective From 11.35% From 0.7% From 0% From 0.65%
21-23 Months Annual 11.75% 0.70% 0.00% 0.65%
Effective From 11.3% From 0.7% From 0% From 0.65%
24 Months Annual 11.80% 0.75% 0.00% 0.75%
Effective From 11.2% From 0.75% From 0% From 0.75%


This offer is not valid for Non residents

Other terms


  • Account opening and transactions are free of charge;
  • Deposit interest rates are annual (accrued interest rate will be calculated on the number of actual placement dates);

Initial deposit

  • Initial minimum deposit is not required! Further monthly deposits are as low as 5 GEL/USD/EUR/GBP;
  • No cap limits are set for monthly deposits.
  • If the client has not deposited a minimum amount for more than 2 months, deposit's conditions will be breached.


Deposit terms

  • The deposit term ranges between 3 and 24 months 


Deposit conditions

  • Additional deposit amounts may differ from month to month (not less than 5 units);
  • In the case of breach condition or 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    0.10%;
    • 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.



  • Both cash and noncash payments are accepted for monthly deposits;
  • For added flexibility, you can make additional deposits to the account via Internet Banking, Mobile Banking, Phone banking and Standing Orders.


Deposits Insurance System

On 1 January 2018, the Bank joined the deposit insurance system designed pursuant to the Law of Georgia on Deposit Insurance System. All deposits/accounts held by individuals with any commercial bank, irrespective of the number of the deposits/ accounts, are subject to coverage by the Deposit Insurance Agency up to 15,000 GEL, while the remaining amount will be refunded in compliance with the rules envisaged by the effective legislation.
For more information please visit the Deposit Insurance Agency's website:

how to apply?

Apply online

Apply via internet or mobile banking and get +0.1% additional interest rate on deposits in national currency

(+995 32) 227 27 27

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

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