Back Term Deposit

Term Deposit is one of the most profitable means for making savings. The deposit is opened with predetermined amount and for fixed term.

Opening deposit Free
Deposit currency GEL, USD, EUR
Minimum amount 100 units
Maximum nominal interest rate 11.10%
Maximum effective interest rate 10.55%
Deposit term 3-24 months
Withdrawing the accrued interest rate Monthly, at the end of the term

Annual interest at the end of the term:

Day

Month

Rate

GEL USD

EUR

90-179

3

Nominal

8.45%

1.60%

--

Effective

8.72% 1.61% --

180-269

6

Nominal

9.05% 2%

 --

Effective

9.26% 2.01%

 --

270-364

9

Nominal

9.55% 2.50%

 --

Effective

9.67% 2.51%

 --

365-394

12

Nominal

10% 3%

0.50%

Effective

10% 3%

0.50%

395-449 13 Nominal 10% 3.10% 0.50%

Effective

9.96% 3.10% 0.50%

450-539

15

Nominal

10.35% 3.20%

0.50%

Effective

10.23% 3.19%

0.50%

540-629

18

Nominal

10.65% 3.35%

0.50%

Effective

10.39% 3.32%

0.50%

630-729

21

Nominal

10.90% 3.45%

0.50%

Effective

10.50% 3.41%

0.50%

730 24

Nominal

11.10% 3.60%

0.50%

Effective

10.55% 3.54%

0.50%

Minimum term for deposit in Euro is 12 months (365 days)

Note: maximum effective interests are shown

Premature withdrawal provision:  
In case of a premature withdrawal, deposit in GEL shall be accrued annual 2% for actual term of deposition, whereas deposit in USD/EUR shall be accrued 0%

Annual interest monthly

Day

Month

Rate

GEL USD

EUR

90-179

3

Nominal

7.95% 1.40% --

Effective

8.25% 1.41% --

180-269

6

Nominal

8.55% 1.80%

 --

Effective

8.89% 1.81%

 --

270-364

9

Nominal

9.05% 2.30%

 --

Effective

9.44% 2.32%

 --

365-394

12

Nominal

9.50% 2.80%

0.30%

Effective

9.93% 2.84%

0.30%

395-449 13 Nominal 9.50% 2.90%

0.30%

Effective

9.93% 2.94%

0.30%

450-539

15

Nominal

9.85% 3%

0.30%

Effective

10.31% 3.04%

0.30%

540-629

18

Nominal

10.15% 3.15%

0.30%

Effective

10.64% 3.20%

0.30%

630-729

21

Nominal

10.40% 3.25%

0.30%

Effective

10.92% 3.30%

0.30%

730 24

Nominal

10.60% 3.40%

0.30%

Effective

11.13% 3.45%

0.30%

Minimum term for deposit in Euro is 12 months (365 days)

Note: maximum effective interests are shown: effective interest is calculated based on 30-day months

Premature withdrawal provision:
In case of a premature withdrawal, deposit in GEL shall be accrued annual 2% for actual term of deposition, whereas deposit in USD/EUR shall be accrued 0% (interest already paid shall be withheld from the principle amount).

  • Deposit is available in three currencies: GEL, USD, EUR
  • High interest yield
  • Differentiated options for yield withdrawal: on a monthly basis or at the end of the term
  • If needed, you may prematurely withdraw deposit or apply for Deposit Secured Loan under preferential terms
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