1. How to transfer money and pay bills?

 

  1. 1. How to transfer money?

Move mouse pointer to main menu and select "Transfer money" from drop down menu. On transfer money page you can select transfer type from upper menu.

Transfer process consists of three simple steps.

On First step you need to choose account from which you want to transfer money. If you have already selected one of your accounts as a "Primary account" – 1st step will be prefilled with your Primary account and you will be redirected to 2nd step. You can change "From account" by clicking "Change" button.

On 2nd step you need to select beneficiary account from templates. If you do not have templates yet, you can select "New beneficiary" and enter account number manually.

On third step you will need to enter transfer amount.

After clicking "Make Transfer" you will see confirmation popup window where you can review transfer details and confirm transfer. Please, note that you will need to certify some transfers with your certification method (random digits from Telephone Code, SMS code or Token code).

You can check your transaction status on "Current Transaction" page.

 

  1. 2. How to use favorable exchange rate?

You can make currency exchange with favorable exchange rate via Internet Banking. Favorable rate is significantly better than bank's standard rates. You can use Favorable exchange rate up to 20,000 GEL or equivalent. You will see favorable exchange rate after you enter amount on currency exchange transfer page.

 

  1. 3. How to pay utility and other bills?

Move mouse pointer to main menu and select "Pay a Bill" from drop down menu. If you have used "Pay a bill" feature before, you will see your templates.

If you have not added a template yet, click "Add bill" button and fill in required information. After finishing the process template will be added to the list.

To make a payment click "Select" button next to appropriate template. After that you will see enter amount field where you will need to enter payment amount. In case your bill is already generated by service provider, bill amount will be automatically indicated. On the right side you can select account from which you want to pay the bill. To make a payment, click "Make payment" button.

You can select one or multiple services and pay them with one click.

After making payment you can check payment status on "Current Transactions" page. If payment status is "Executed" it means that payment was completed successfully.

 

  1. 4. How to Top up my mobile balance?

Move mouse pointer to top menu and select "Top up Mobile" from drop down menu.

Payment process consists of three simple steps.

On First step you need to choose account from which you want to make payment. If you have already selected one of your accounts as a "Primary account" – 1st step will be prefilled with your Primary account and you will be redirected to 2nd step. You can change "From account" by clicking "Change" button.

On 2nd step you need to select Mobile number from templates. If you do not have templates yet, you can select "New mobile number" and enter mobile number manually.

On third step you will need to enter payment amount.

After making payment you can check payment status on "Current Transactions" page. If payment status is "Executed" it means that mobile topup was completed successfully.

 

  1. 5. How to pay police/CT Park fine?

Move mouse pointer to main menu and select "Fine payment" from drop down menu.

Payment process consists of three simple steps.

On First step you need to choose account from which you want to make payment. If you have already selected one of your accounts as a "Primary account" – 1st step will be prefilled with your Primary account and you will be redirected to 2nd step. You can change "From account" by clicking "Change" button.

On 2nd step you need to select Fine type, enter fine "Ticket ID" and click "Check ID" button. If entered ID is correct you will see fine details. Click continue button afterwards.

On third step you will need to enter payment amount.

After making payment you can check payment status on "Current Transactions" page. If payment status is "Executed" it means that mobile topup was completed successfully.

 

  1. 6. How to top up my Bookmaker/Online casino account?

Move mouse pointer to main menu and select "Pay a Bill" from drop down menu. If you have used "Pay a bill" feature before, you will see your templates.

If you have not added a template yet, click "Add bill" button, select "Gambling" in category select box and fill in required information. After finishing the process template will be added to the list.

To make a payment click "Select" button next to appropriate template. After that you will see enter amount field where you will need to enter payment amount. On the right side you can select account from which you want to pay the bill. To make a payment, click "Make payment" button.

You can select one or multiple services and pay them with one click.

After making payment you can check payment status on "Current Transactions" page. If payment status is "Executed" it means that payment was completed successfully.

 

  1. 7. How can I check if a payment was successfully submitted?

You can see payment status on "Current Transactions" page. To find this page, move mouse pointer to top menu and select "Transactions". After page is opened select "Current Transactions" from submenu on the upper side of the screen.

On "Current Transactions" page you will see recent transactions on top of the list.

Green status means that transaction was completed successfully. Red status means that transaction was rejected. You can see rejection reason in transaction details by clicking on appropriate transaction.

 

  1. 8. How long it can take to credit money on receiver's account?

Transfer to own account:

Amount will be credited on beneficiary account immediately, even in case transfer is done during non-working hours.

Transfer to TBC bank's account in national currency up to 3,000 GEL:

Amount will be credited on beneficiary account immediately, even in case transfer is done during non-working hours.

Transfer to TBC bank's account in national currency above 3,000 GEL or in foreign currency:

If transfer is done during working hours, amount will be credited to beneficiary account on the same day. If transfer is done during non-working hours, amount will be credited to beneficiary account on next working day.

Transfer to other bank in foreign currency:

Amount will be credited to beneficiary account during 3 working days. However, in most cases transfer is completed within the same day or next working day.

Transfer to other bank in national currency:

Amount will be credited to beneficiary account on next working day. However from Monday to Friday (except public holidays) if transfer is done before 16:30, amount will be credited to beneficiary account within the same working day.

 

  1. What is Standing order and Direct debit?
    1. 1. What is Standing order and Direct debit?

Standing order and Direct debit is a client's request to a bank on making utility or other systematic payments. E.g. you register (you ask bank) an order to pay your utility payments, transfer annual cost of University, or transfer money to your deposit and bank fulfills your order according details specified by you: from account which you specified, in accordance with periods and terms chosen by you.

Standing order and Direct debit give you an opportunity to transfer fixed (e.g. insurance fees, monthly cost of internet provider, etc.) or variable (e.g. utility payments) amounts.

 

  1. 2. How can I register Direct debit? 

On Direct debits and Standing orders page click "Add new payment" button.

Choose Utility and other payments and click "Next" button.

On second step choose account from which you would like to pay. Specify utility payment provider and customer ID.

On third step choose direct debits activation and validity dates. In case of fixed amounts you also need to specify payment frequency and amount.

On last step you should confirm order details.

 

  1. 3. How can I register Standing order?

On Direct debits and Standing orders page click "Add new payment" button.

Select payment type: Transfer to own account or Transfer to someone else. Click "Next" button.

 If you want to make transfer between your own account: on second step choose accounts between which you would like to make transfer. Specify amount, give a name to your order and click "Next" button.

If you want to make transfer to someone else's account: on second step choose account from which you would like to transfer money, specify beneficiaries account, amount to transfer, give a name to your order and click "Next" button. If your and beneficiaries accounts have different currencies you also need to specify account for making currency exchange.

On third step you need to specify transfer frequency, date and activation and validity dates.

On last step you should confirm order details.

 

  1. What code should I use to confirm transfers?
    1. 1. What code should I use to confirm transfers?

Because of security reasons some operations require confirmation via specific code.

There are three security levels for code generation: Basic security, Medium security and High security. The main difference between certification levels is that different methods for code generation are used for each security level: within basic security level static telephone code is used, within medium and high security levels one time code is used, which is different for each request.

For medium security level SMS code is used. This is one time code, which is sent to your mobile phone number.

For the highest security level one time password is generated via token or specific application installed on your mobile phone.

Basic and medium security levels have approximately low transaction limits, therefore it's recommended to use high security level.

You may choose desirable security level in Settings.

 

2. What is telephone code?  

Telephone code is a combination of 8 digits, which is used for communication with call center operators and for confirmation of specific transactions made via internet banking. You can receive telephone code in any branch for free.

You can authorize transactions up to 1 500 GEL via telephone code. Monthly limit is also 1 500 GEL.

Transfer to other persons made in internet banking may be authorized as via telephone code and as with SMS code or Token. You can change authorization method by yourself directly in internet banking. In basic authorization level telephone code is used, higher security is achievable by using SMS code and the highest security with one time code generated via Token

 

3. What is SMS code?

SMS code is a onetime code, which consists of four digits. SMS code is generated each time, when you are redirected to transfers confirmation page (in case are using SMS code for certification). In such cases code is sent automatically to your mobile phone number registered within TBC Bank. If you do not get SMS code, press RESEND button. You can authorize transactions up to 5 000 GEL via SMS code. Monthly limit is 15 000 GEL.

 

4. What is Token (digipass)?  

Token (digipass) is a device or application, which allows you to make secure limitless transfers using mobile and internet banking outside TBC bank. While making external transfer system requires to enter code generated via Token (when you are using this kind of certification method).

You can receive Token device in any branch. Also you can get Token application for your mobile phone by calling to TBC Banks call center.

 

  1. 5. How can I change certification method?

You are able to choose desired certification method from Settings, by clicking settings icon placed on top navigation pane. Choose "Security level" and check out details for each level.

Choose the most convenient method for you. By clicking appropriate button new pop-up window is opened where you need to enter codes from existing and newly chosen certification methods. E.g. if you use certification via telephone code and want to switch to SMS code certification, you need to enter 3 digits from telephone code and SMS code sent to your mobile phone. By clicking Confirm button your security level will be changed.

Please notice, that for future transactions system will require codes relevant to your new certification level. By desire you may change certification method any time.