Back Savings Card

Savings card allows you easily amassing money in several currencies simultaneously, receiving high interest and freely managing your savings.

Card type Mastercard Standard
Deposit currency GEL, USD, EUR
First minimum deposit GEL 40 / USD, EUR 20
Deposit term life-long
Interest accrual Monthly
Account service fee GEL 10 annually

Annual interest rate for daily balance

GEL

USD

EUR

6%

1%

0.5%


Effective interest rate

GEL

USD

EUR

6.17%

1%

0.5%

Card issue and service

Card issue fee

Free

Urgent card issue fee

Card issuance fee + GEL 15

Card replacement (PIN code forgotten, card damaged or lost)

GEL 5

Accrual for the unsanctioned overdraft

0.1% daily

Cash withdrawal at ATM

At VTB Bank ATM

0%

At partner bank ATM*

0.5%, min. GEL 0.5

At other bank ATM

2%, min. GEL 6, USD/EUR  3.5

Abroad at VTB Group ATM**

0.5%, min. GEL/USD/EUR  0.5

Cash withdrawal at bank

At VTB Bank

0.2%

At other banks

2%, min. GEL 6, USD/EUR  3.5

Cash withdrawal daily limits

At VTB Bank

Unlimited

At other banks

GEL 2 000 or equivalent

At any ATM

GEL 2 000 or equivalent

Conversion

At the bank exchange rate

Non-cash transactions

Transfer

Not allowed

Internet transactions

Not allowed

Transactions at sales and service points

Not allowed

Stop-listing the card

Local

Free

International

USD 50 per week

Changing PIN code

GEL 1

* TBC Bank, Halyk Bank Georgia, BasisBank, Finca Bank Georgia, Caucasus Development Bank – Georgia
** Rates are valid at the following countries: Russia, Ukraine, Belarus, Kazakhstan, Azerbaijan, Armeni

  • Ability to save money in several currencies simultaneously (GEL, USD, EUR) 
  • Accrual of high interest
  • Possibility of unlimited additional contributions
  • Possibility of free disposal  of savings (including funds on the card)   
  • Monthly accrual of the interest on deposit account   
  • Ability to convert deposit amount at any time  
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