Back VTB Universal

Emission of VTB Universal cards are suspended.

Card type

VISA GOLD

Multicurrency account

Multicurrency account

Validity term

4 years

Card issue fee

GEL 0

Card service commission

GEL 0

Opening account Free
Card service monthly commission GEL 1
Urgent card issue fee Card service annual commission + GEL 15
Card replacement (PIN code forgotten, card damaged or lost) GEL 5

Minimum non-reducible balance on the account

GEL 0

Unauthorised expense commission 0.1% daily
Daily cash withdrawal limit
At VTB Bank Unlimited

At ATMs and POS-terminals of other banks

GEL 10,000

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

GEL 20,000

Cash withdrawal
At VTB Bank:  
In GEL 0.6%, min. GEL 1
In foreign currency 0.6%
At partner bank** Partner bank rate + 2%, min. GEL 6, USD/EUR/GBP 3.5, RUR 125
At the other bank in Georgia/abroad Other bank rate + 2%, min. GEL 6, USD/EUR/GBP 3.5, RUR 125
At VTB Bank ATM 0%
At partner bank ATM** 0%
At other bank ATM in Georgia 2%, min. GEL 6, USD/EUR/GBP 3.5, RUR 125
At other bank ATM abroad*****

2%, min. GEL 6, USD/EUR/GBP 3.5, RUR 125

At VTB Group ATM abroad***

0.5%, min. GEL/USD/EUR/GBP 0.5, RUR 15

Non-cash transactions
Payment at sales points 0%
Payment via internet 0%

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

Standard fee + GEL 0.10

Money transfers
Within the bank 0%
Outside the bank in national currency 0.1%, min. GEL 1
Outside the bank in foreign currency 0.2%, min. equivalent of USD 15 in respective currency
Stop-listing the card
Local Free
International USD 50 per week
Changing card PIN GEL 1

PIN recovery

GEL 1

Bonus products**** Internet banking
Call service
SMS service
Standing Order  
Direct Debit 

* Standard option includes three currencies – GEL, USD, EUR. Upon the request of the client, GBP and RUR can be added free of charge
** TBC Bank, Halyk Bank Georgia, BasisBank, Finca Bank Georgia, Caucasus Development Bank - Georgia
*** Rate is valid in the following countries: Russia, Ukraine, Belarus, Kazakhstan, Azerbaijan, Armenia 
**** Free registration
***** 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.

  • Multicurrency account in 3 or 5 currencies (GEL, USD, EUR, GBP, RUR)
  • Discounts and privileges at sales and service points throughout the globe
  • Remote management (internet banking, mobile banking, SMS banking)
  • Contactless payment option
Branches and ATMs Online chat Video Bank Exchange rates Calculators