VISA Debit Instant

Instant Card is the non-personalised debit card of Visa Classic type that can be issued instantly, immediately upon filing out the request at the branch office. The card, without any limitation, allows effecting any transaction in Georgia and abroad

Main advantages of the card:

  • Card issued immediately upon request
  • Free cash withdrawal from any ATM in Georgia
  • 3D online security service
  • Apple Pay - e-wallet
  • Free Internet and Mobile banking
  • Free SMS service
  • Simplified credit approval procedure
  • Bonus points on point-of-sale payments*

*You can use your bonus points to top up your mobile balance, buy an internet package, pay utility bills, or just cash out the accrued bonus amount).

Multicurrency account GEL, USD, EUR, GBP, RUR
Validity term 2 years
Cash withdrawal at ATMs in Georgia 0%
Internet and Mobile Bank Free
SMS Service Free
Bonus points on point-of-sale payments Visit VTB Bonus page
Card issue fee GEL 10
Monthly commission fee GEL 2
Opening card account Free
Monthly commission fee GEL 2

Additional card issue fee

GEL 25

Card replacement (card damaged, lost or etc.) GEL 10
Minimum non-reducible balance on the account GEL 0
Annual accrual on the card account 0%
Accrual on the unsanctioned overdraft 0.1% daily
Cash withdrawal daily limits
At VTB Bank Unlimited

At ATMs and POS-terminals of other banks

GEL 5,000

At trade and service facilities’ POS-terminals and on the internet

GEL 10,000
Stop-listing card
Local Free
International USD 50 per week
Cash withdrawal commission
At VTB Bank in GEL 0.5%, min. GEL 1
At VTB Bank in foreign currency 0.5%
At partner bank* Partner bank rate +2%, min. GEL 6, USD/EUR/GBP 3.5, RUR 125
At other Georgian and foreign banks Other bank rate +2%, min. GEL 6, USD/EUR/GBP 3.5, RUR 125

Cash withdrawal at ATM 

At VTB Bank ATM 0%
At partner bank ATM* 0%

At other bank ATM in Georgia

Abroad at other bank ATM*** 2%, min. GEL 6, USD/EUR/GBP 3.5, RUR 125
Abroad at VTB Group ATM** 0.5%, min. GEL/USD/EUR/GBP 0.5, RUR 15

Cash withdrawal at points of sales


0.5%, min. GEL 0.5


1.5%, min. GEL 3, USD/EUR/GBP 1, RUR 125

Non-cash transactions
Point of sales payment commission 0%
Internet payment commission 0%

Paying transportation fee on Tbilisi municipality public transport (subway, buses, cable car)

Standard fee + GEL 0.10

Transfers from the account
Within the bank 0%
Outside the bank in national currency 0.1%, min GEL 1
Outside the bank in foreign currency 0.2%, equivalent of min. USD 15 max. USD 500 in various currencies
Changing PIN GEL 1

PIN recovery


Card account safety service

in accordance with standard tariff

* TBC Bank, Halyk Bank, BasisBank, Finca Bank
** The rate is valid in the following countries: Russia, Ukraine, Belarus, Kazakhstan, Azerbaijan, Armenia
*** Please, take into account that when using ATMs abroad pay attention to all text boxes displayed on the screen before accepting them. A company disposing of ATM, without VTB (Georgia) knowledge, may offer you to carry out cash withdrawal transaction in different currency, regardless the currency it will provide at the end of transaction. Any loss resulting from confirming offers of aforementioned nature shall not be subject to reimbursement.
We would also like to recommend using ATMs located at bank branches as it will reduce risk of such developments, however it does not guarantee full immunity.

  • Card issued immediately upon request
  • Affordable rates
  • Cash withdrawal without charge at any ATM in Georgia
  • Availability of local and international operations

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