General Description

If you are comfortable with "locking in" Company funds 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.


Period Interest Rate Interest withdrawal at the end of the term Interest withdrawal on a monthly basis
3-5 Months Annual 9.55% 9.45%
Effective From 9.9% From 9.87%
6-8 Months Annual 9.90% 9.70%
Effective From 10.14% From 10.14%
9-11 Months Annual 10.00% 9.65%
Effective From 10.12% From 10.09%
12 Months Annual 10.05% 9.60%
Effective From 10.05% From 10.03%
13-14 Months Annual 10.05% 9.60%
Effective From 10.01% From 10.03%
15-17 Months Annual 10.15% 9.60%
Effective From 10.03% From 10.03%
18-20 Months Annual 10.25% 9.60%
Effective From 10% From 10.03%
21-23 Months Annual 10.30% 9.50%
Effective From 9.93% From 9.92%
24 Months Annual 10.35% 9.45%
Effective From 9.86% From 9.87%


Period Interest Rate Interest withdrawal at the end of the term Interest withdrawal on a monthly basis
3-5 Months Annual 0.75% 0.75%
Effective From 0.75% From 0.75%
6-8 Months Annual 1.05% 1.05%
Effective From 1.05% From 1.06%
9-11 Months Annual 1.25% 1.25%
Effective From 1.25% From 1.26%
12 Months Annual 1.45% 1.45%
Effective From 1.45% From 1.46%
13-14 Months Annual 1.45% 1.45%
Effective From 1.45% From 1.46%
15-17 Months Annual 1.50% 1.50%
Effective From 1.5% From 1.51%
18-20 Months Annual 1.60% 1.55%
Effective From 1.59% From 1.56%
21-23 Months Annual 1.75% 1.70%
Effective From 1.74% From 1.71%
24 Months Annual 1.95% 1.90%
Effective From 1.93% From 1.92%

Other terms

Type of deposit interest rate:

Fixed interest rate.


Account opening free;

Cash-out commission in GEL: 0,2 % of the deposit amount;

Cash-out commission in foreign currency: 0,6 % of the deposit amount;


Minimum Balance Requirement:

The minimum balance for the Term Deposits is 1000 unit.

  • It is not allowed to add extra amounts to the Term Deposits.


Terms and conditions: You can open a Term Deposit for the period of 1 to 24 months.


Premature cancellation:

  •  A Term Deposit can be opened for 3 months to 2 years;
  • The deposit will not earn interest if cancelled within 12 months from opening; 
  • The deposit will earn annual 2% (GEL) from the date of opening till the date of early closure if cancelled after 12 months from opening; 
  • In case of termination after 12 month after opening of the deposit in foreign currencies no interest will be accrued on the deposit;
  • If the deposit holder has already drawn the interest, the part of the interest paid early will be deducted from the deposit amount.

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

**The Depositor  shall be entitled to terminate the Agreement early.



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 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 customer shall have the right to present a claim to the Bank in verbal, written, standardized written or electronic form
  • See information useful for customers at the web-page of the National Bank of Georgia- and the hot line +99532 2406 406.


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

how to apply?

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(+995 32) 227 27 27

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