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Universal account is same as plastic card account and the funds can be managed by means of a bank plastic card.

Universal account can be opened in four currencies (GEL / USD / Euro / BP) and accounts for all four currencies are tied to the plastic card.

Opening a Universal account is free and you are only charged for making the plastic card (the fee differs depending on the card type). Account monthly maintenance fee is only 1 GEL. 

Universal account will give you a whole package of banking transactions (cash deposit - withdrawal, incoming and outgoing transfers, currency conversion). 

Multi-currency Universal account will enable you to get following types of banking services:

  • Internet banking
  • Mobile banking
  • Telephone banking
  • Automatic payments
  • Standing orders


Banking transactions can be carried out in any branch of the Bank or by using distance channels