Visa Gold

With Visa Gold, you can utilize the funds in your card account both in Georgia and any country worldwide. Make free payments at shopping and service facilities while enjoying additional banking benefits: 


  • Enjoy a high withdrawal and settlement limit.
  • Accumulate terabytes with each transaction
  • Transfer money from one Terabank card to another through an ATM.


To receive the card free of charge, the total amount of time deposits must be at least 10,000 GEL or its equivalent in the relevant currency at the rate of the National Bank.





Within the Terabank loyalty program:

  • Receive 1 terabyte for every 5 GEL transaction and an additional terabyte for every 1 GEL transaction. 
  • For transactions of 1000 GEL or more, you get 996 terabytes, reaching the upper limit (1 terabyte for 5 GEL and the next 995 GEL = 995 terabytes).
  • Convert 300 terabytes to 1 GEL; the accumulated terabytes can be converted and the corresponding amount in GEL will be credited to your account. 
  • The minimum conversion amount is 5 GEL and there is no maximum limit.
  • Use terabytes to pay bills such as utility services and top up mobile balances.


*Terabytes accrued and unused within two calendar years will be automatically canceled and you will receive a cancellation notice 30 days prior.

Plastic card issuance and service rates

Card Validity

2 years

Card Issuance fee

GEL 30 within the promotion* (standard price GEL 100)

Card upgrade (due to loss/damage)

GEL 30 within the promotion* (standard price GEL 100)

Swift card issuance fee 

cost of the card + GEL 30 

Minimum balance

Not requested

Multi-currency account


 Service fee for the amounts transferred from

the internet sites, or the refunded amounts from

the operations performed through terminals abroad 


Fee for change of the daily limit of cash withdrawal from ATM 

(maximal term is 1 month) 


Pin Code Recovery Fee 5 GEL

*Details about the promotion: promotion period - from 15/02/2024 to 28/06/2024

Resident and non-resident individuals are able to get the card;

The card can be ordered in branches and through the call center.


Daily limits for cash withdrawal and settlement

Contactless payment GEL 100
From ATM GEL 10,000 or its equivalent*

At Terabank


In case of payment     

GEL 30,000 or its equivalent

At another bank   

GEL 100,000 or its equivalent  

Cash withdrawal and settlement fees

In case of cash withdrawal in GEL from terabank’s branch 

0.4% min. GEL 0.5

In case of cash withdrawal in foreign currency  from terabank’s branch 

0.60% min. GEL 1

Cash withdrawal through plastic card from ATM of a terabank*

0.2% min. Gel 0.6 

Fee for payment through POS terminal


Cash withdrawal through plastic card from ATM of a partner bank*


0.2% min. GEL 0.6

Cost of the card transaction appeal service for each transaction**

15 USD

Cash withdrawal from partner bank

0.6% min. GEL 0.6

Cash withdrawal from the other bank

2.5%  min. USD 3.5

Transfer to terabank card via terabank ATM

0.1% min. GEL 0.5

Card payment fee


Placement of  the card on the local Stop List 


Placement of the card on the international Stop List (for 2 weeks)

40 USD

Cash withdrawal through plastic card from any bank’s ATM (inside and outside of the country)***

2% min. USD 3.5

Transaction Conversion Fee for Transactions made in a Currency other than the Currency of the Card Account


*Liberty Bank 

**In the case of reimbursement by insurance, the customer will not be charged the cost of the appeal fee. This cost will be reimbursed by the bank.


Standard terms and conditions for performance of terabank’s banking operations: see at the following link

Cards General Guideliens

ATM Location


*** The client can be charged by ATM cash withdrawal fee when withdraw money abroad. This fee set by the ATM acquiring bank for which Terabank is not responsible. During withdrawing, the client receives notification at the ATM’s screen regarding acquiring fee and question if client wants to perform further cash withdrawal operation.

If the client continues the process of cash withdrawal - it automatically means that client accepts the ATM acquiring fee which displayed on the ATM screen.


Existing Terabank clients with active card account in case of loss/damage or date expiration may order new card online.

In case of card loss, please contact Terabank  immidiately via telephone: (+995 32) 255 00 00 or mobile: *50 50.  Terabank call center operates 24 hours.

Open the term deposit in the amount of 10,000 units and request Visa Gold free of charge, on which the credit limit (overdraft) will be allowed. 



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