SMS Code

SMS Code Money Encashment/ Transfer Service represents an alternative technology for cash withdrawal from ATM and wire transfering to other accounts. 

SMS Code Money Encashment/ Transfer Service can be activated using pre-generated SMS code that will allow you to withdraw cash from the ATM or wire transfer money via internet bank to any individual’s banking account without using a physical card. 

Service Process: 
To cash/ transfer funds using SMS Code complete authorization in a remote banking channel (Video bank, Internet Bank, Mobile Pay app) using your username and passsword.

Initiate respective service, select account you want to use for cash withdrawal, input desired sum and generate SMS Code that will be delivered to the mobile phone number, registered with the Bank.

Go to any VTB Bank (Georgia) ATM, input received SMS Code, desired amount and cash the money or wire transfer funds via Internet Bank.

Besides, you can disclose SMS Code to any third person allowing them to cash or transfer funds themselves. 


Service Terms: 
SMS Code Money Encashment/ Transfer Service is available for following account types:

  • Current
  • Card (except for savings, POS-credit and credit cards)

Receiving funds via Internet Bank is possible on following account types:

  • Current
  • Card (except for POS-credit card)

Name / Channel

Internet Bank Mobile pay

Video Bank

Service fee

0.5% min. GEL 1 0.5% min. GEL 1

in accordance with fees respective to used account

Encashment/ transfer limits

min. GEL 10 - max. GEL 500
sum, multiple of 10
min. GEL 10 - max. GEL 500
sum, multiple of 10
 

min. GEL 20 - max. GEL 2000
sum, multiple of 10

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Transfer money providing just recipient’s mobile number or e-mail address

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