Working hours and Service fees
- Individual/bulk customer transactions are limited
- Inter-bank transactions are limited
- Queued transactions are cancelled
The system is closed on Saturdays, Sundays and all public holidays.
Information on the declaration of public holidays as a banking days by the National Bank.
09:00 - 17:45
17:45 - 19:00
Canceled transfer - 0.2 lari
Transfer between participants - 0.2 lari
National Bank of Georgia (NBG) as the operator of the Automated Transfer and Electronic Settlement System (Real Time Gross Settlement and Clearing System), is responsible for developing and maintaining the system rules, ensuring participants’ access to the system, supporting its efficient operation, and carrying out other related functions.
The System is designed to process fund transfers between commercial banks, microbanks, and payment service providers in Georgian lari (GEL) and foreign currencies (US dollars and euros). It also facilitates transfers in Georgian lari to and from the State Treasury of the Ministry of Finance of Georgia.
Participants using the System are subject to service fees. On business days, between 9:00 a.m. and 5:45 p.m., the applicable fees range from 10 to 20 tetri.
In November 2022, amendments were introduced to the System rules governing transfers in Georgian lari. Subsequently, in October 2026, amendments were made to the rules governing transfers in foreign currencies.
These amendments established maximum permissible service fee limits that participants may charge their customers for transfers processed through the RTGS system. The limits are differentiated according to customer category (individuals, legal entities, and payment service providers) and transaction amount.
Transfer Amount |
Fee for Individuals |
Fee for Legal Entities |
Fee for System Indirect Participants |
| Up to 10 000 GEL | 2 GEL | 5 GEL | The applicable system service fee plus 0.05 GEL |
| Over 10 000 GEL and up to 100 000 GEL | 5 GEL | 10 GEL | |
| 100 000 GEL and Above | 50 GEL | 100 GEL |
Transfer Amount |
Fee for Individuals |
Fee for Legal Entities |
Fee for System Indirect Participants |
| Up to 1000.01 EUR | 5 GEL | 10 GEL | The applicable system service fee plus 2 GEL |
| Over 1000.01 EUR and up to 10 000.01 EUR | 10 GEL | 15 GEL | |
| Over 10 000.01 EUR and up to 100 000.01 EUR | 20 GEL | 30 GEL | |
| 100 000.01 EUR and Above | 100 GEL | 200 GEL |
Transfer Amount |
Fee for Individuals |
Fee for Legal Entities |
Fee for System Indirect Participants |
| Up to 1000.01 USD | 5 GEL | 10 GEL | The established system service fee plus 2 GEL |
| Over 1000.01 USD and up to 10 000.01 USD | 10 GEL | 15 GEL | |
| Over 10 000.01 USD and up to 100 000.01 USD | 20 GEL | 30 GEL | |
| 100 000.01 USD and Above | 100 GEL | 200 GEL |