Effective interest rate on deposits

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A deposit is an amount of money, which is deposited by the user in the bank for a specified period or indefinitely, accruing interest over time. This page presents the effective interest rates for different types of deposits offered by commercial banks operating in Georgia. The effective interest rate includes both the interest earned on the deposit and any costs associated with it. By comparing effective interest rates, you can choose the best option for saving money. For additional information about deposits and related interest rates, please visit the following webpage.

Please note that the National Bank of Georgia is not responsible for the accuracy of the information presented on this page. Providing timely and accurate information is the responsibility of each commercial bank. For further details about effective interest rates on deposits and other benefits, please visit respective bank’s website or contact a branch directly.

⚠️ Please note that the indicated rates may be subject to change at any time. National Bank of Georgia assumes no responsibility for the accuracy of the data presented on this page. The timely and accurate provision of information is the responsibility of each organization. For information regarding deposit offers that differ from standard terms and conditions, you may contact the respective commercial bank or microbank directly.

Bank

Currency

Deposit Type

Annual effective interest rates on deposits

Bank

Currency

Term deposit*

3 month
6 month
12 month

Demand deposit**

Daily
Monthly minimum

Bank of Georgia

0.80 %
0.00 %
10.11 %

1.10 %
0.30 %
10.14 %

1.50 %
0.40 %
10.20 %

-9.25 %
-9.27 %
-8.72 %

Basisbank test

2.63 %
1 %
10.38 %

2.82 %
1.25 %
10.46 %

3.2 %
1.8 %
10.51 %

1 %
0.5 %
6.18 %

Cartu Bank

1.71 %
0.25 %
9.76 %

2.65 %
2.05 %
8.68 %

3.13 %
2.64 %
10.20 %

1 %
0.5 %
6.17 %

Credo Bank

1.91 %
-
9.98 %

2.31 %
1 %
10.22 %

3.20 %
1.5 %
10.30 %

-0.31 %
-
-0.71 %

-0.36 %
-0.41 %
-0.25 %

Is Bank

2.2 %
1.1 %
10.4 %

2.5 %
1.4 %
10.6 %

3.0 %
1.6 %
10.8 %

Khalyk Bank Georgia

1.61 %
1.51 %
8.51 %

2.62 %
2.26 %
8.68 %

5 %
3.5 %
10 %

1.26 %
0.25 %
5.13 %

1.25 %
0.25 %
5.13 %

Liberty Bank test

1.81 %
-
9.84 %

2.31 %
0.40 %
10.30 %

3.20 %
1.5 %
11.20 %

0.50 %
0.25 %
4.15 %

0.05 %
0.03 %
0.90 %

Pasha Bank Georgia

2.77 %
1.25 %
10.03 %

2.77 %
2.06 %
10.11 %

3.74 %
2.53 %
10.14 %

0.98 %
0.34 %
6 %

Procreditbank

1.71 %
1 %
9.76 %

2.65 %
2.05 %
10.14 %

3.13 %
2.64 %
10.20 %

1 %
0.5 %
6.17 %

Silk Bank

1.36 %
7.29 %
-

1.51 %
9.7 %
-

1.65 %
10 %
-

1.26 %
10.2 %
0.1 %

TBC Bank

1 %
0.1 %
8.83 %

1.2 %
0.3 %
9.26 %

1.4 %
0.4 %
9.4 %

-1.14 %
-
1.21 %

-0.95 %
-0.94 %
-1 %

Tera Bank

2.68 %
1.51 %
10.38 %

2.72 %
1.66 %
10.62 %

3.20 %
2.40 %
10.50 %

0.80 %
0.30 %
3.04 %

Ziraatbank

2.01 %
1 %
6.14 %

3.02 %
1.51 %
6.61 %

2.02 %
1.01 %
6.17 %

*Term deposit – a deposit placed for a specific term, on which interest is accrued at the end of the corresponding period; early withdrawal is possible, but with reduced interest.

**Demand deposit – an immediately accessible deposit on which interest is accrued at the end of the calendar month, based on either the average daily balance during the month or the minimum balance during the month.

***Certificate of Deposit – a deposit placed for a specific term, on which interest is accrued at the end of the corresponding period; early withdrawal is not possible without the bank’s consent.