Deposit rates in Georgian banks
The highest effective annual rate on a 12-month term deposit is at Credo Bank in lari (10.95%) and at Ziraatbank in dollars (4.00%). The figures come from the National Bank of Georgia comparison page, reported by the banks.
Inflation over the last 12 months is 5.85% (10.2026, Geostat), so the real return of a 10.95% lari deposit after inflation is roughly 4.82%.
Best rates right now: 12 months
In lari
- Credo Bank10.95%
- Pasha Bank Georgia10.20%
- Khalyk Bank Georgia10.00%
A deposit of 10,000 ₾ earns about 1,095 ₾ in one year.
In US dollars
- Ziraatbank4.00%
- Khalyk Bank Georgia4.00%
- Is Bank3.60%
A deposit of 10,000 $ earns about 400 $ in one year.
In euros
- Khalyk Bank Georgia2.50%
- Ziraatbank2.00%
- Is Bank2.00%
A deposit of 10,000 € earns about 250 € in one year.
Deposits in lari
| Bank | Term deposit | Certificate of Deposit | Demand deposit | |||
|---|---|---|---|---|---|---|
| 3 month | 6 month | 12 month | 1-year | Daily | Monthly minimum | |
| Credo Bank | 9.68% | 9.94% | 10.95% | 10.25% | 2.32% | -0.45% |
| Pasha Bank Georgia | 9.47% | 10.04% | 10.20% | 10.35% | 6.25% | 0.00% |
| Khalyk Bank Georgia | 8.51% | 8.68% | 10.00% | 10.47% | 5.13% | 0.90% |
| Is Bank | 9.74% | 9.83% | 9.80% | 10.00% | - | - |
| Procredit bank | 9.41% | 9.83% | 9.80% | 10.00% | 6.17% | - |
| Cartu Bank | 9.31% | 9.68% | 9.80% | 10.40% | 1.21% | 0.00% |
| Terabank | 9.52% | 9.78% | 9.70% | 10.15% | 3.04% | - |
| Basisbank | 8.99% | 9.10% | 9.61% | 9.80% | 6.18% | 0.00% |
| Liberty Bank | 8.99% | 9.10% | 9.60% | 9.80% | 4.15% | 0.75% |
| Silk Bank | 7.29% | 9.20% | 9.50% | 12.00% | 10.20% | 10.20% |
| Bank of Georgia | 8.83% | 9.04% | 9.25% | 9.45% | - | -8.72% |
| TBC Bank | 8.40% | 8.73% | 8.85% | 9.10% | -0.78% | -1.00% |
| Ziraatbank | 6.14% | 6.61% | 8.00% | - | 6.17% | - |
Sorted by the 12-month term deposit rate.
Deposits in US dollars
| Bank | Term deposit | Certificate of Deposit | Demand deposit | |||
|---|---|---|---|---|---|---|
| 3 month | 6 month | 12 month | 1-year | Daily | Monthly minimum | |
| Ziraatbank | 2.01% | 3.02% | 4.00% | - | 2.02% | - |
| Khalyk Bank Georgia | 1.61% | 2.62% | 4.00% | 2.84% | 1.26% | 0.05% |
| Is Bank | 2.57% | 2.97% | 3.60% | 3.60% | - | - |
| Cartu Bank | 1.00% | 1.76% | 3.00% | 3.14% | 0.00% | 0.00% |
| Credo Bank | 2.12% | 2.52% | 2.90% | 3.00% | -0.36% | -0.41% |
| Pasha Bank Georgia | 1.61% | 2.11% | 2.65% | 2.80% | 0.98% | 0.00% |
| Procredit bank | 1.41% | 2.16% | 2.65% | 2.80% | 1.00% | - |
| Terabank | 1.96% | 2.01% | 2.50% | 3.00% | 0.80% | - |
| Basisbank | 1.41% | 1.71% | 2.00% | 2.30% | 0.50% | 0.00% |
| Liberty Bank | 1.41% | 1.71% | 2.00% | 2.30% | 0.50% | 0.05% |
| Silk Bank | 1.36% | 1.51% | 1.80% | 2.00% | 1.26% | 1.26% |
| Bank of Georgia | 1.00% | 1.20% | 1.50% | 1.70% | - | -9.25% |
| TBC Bank | 1.00% | 1.20% | 1.40% | 1.50% | -1.14% | -0.95% |
Sorted by the 12-month term deposit rate.
Deposits in euros
| Bank | Term deposit | Certificate of Deposit | Demand deposit | |||
|---|---|---|---|---|---|---|
| 3 month | 6 month | 12 month | 1-year | Daily | Monthly minimum | |
| Khalyk Bank Georgia | 1.51% | 2.26% | 2.50% | 2.63% | 0.25% | 0.03% |
| Ziraatbank | 1.00% | 1.51% | 2.00% | - | 1.01% | - |
| Is Bank | 1.41% | 1.66% | 2.00% | 2.00% | - | - |
| Cartu Bank | 0.25% | 0.75% | 2.00% | 2.17% | 0.00% | 0.00% |
| Procredit bank | 1.00% | 1.35% | 1.95% | 1.95% | 0.50% | - |
| Terabank | 0.80% | 0.95% | 1.70% | 2.00% | 0.30% | - |
| Credo Bank | - | 1.51% | 1.65% | 1.85% | 0.00% | -0.40% |
| Basisbank | 0.90% | 1.20% | 1.60% | 1.80% | 0.25% | 0.00% |
| Liberty Bank | 0.00% | 1.20% | 1.60% | 1.80% | 0.25% | 0.03% |
| Pasha Bank Georgia | 0.60% | 1.00% | 1.55% | 1.70% | 0.34% | 0.00% |
| TBC Bank | 0.10% | 0.30% | 0.40% | 0.70% | - | -0.94% |
| Bank of Georgia | 0.00% | 0.00% | 0.25% | 0.50% | - | -9.27% |
| Silk Bank | 0.00% | 0.00% | 0.00% | 0.00% | 0.10% | 0.10% |
Sorted by the 12-month term deposit rate.
How to read the table
- The effective rate is the yearly return after mandatory fees, so it can be lower than the advertised rate.
- A term deposit is placed for a fixed term; early withdrawal cuts the interest. A certificate of deposit usually cannot be withdrawn early.
- A demand deposit can be withdrawn at any time. A negative rate means that, by the NBG's calculation, fees exceed the interest.
- The table leaves out special offers and conditions such as minimum amounts. Check the terms with the bank before opening a deposit.
Source: National Bank of Georgia, effective interest rate on deposits (reported by the banks). Read by GFX.GE on 10.11.2026. nbg.gov.ge
FAQ: deposits
Which Georgian bank offers the highest fixed deposit rate?
On a 12-month term deposit the highest effective rate right now is 10.95% in lari at Credo Bank, 4.00% in dollars at Ziraatbank and 2.50% in euros at Khalyk Bank Georgia. The data comes from the National Bank of Georgia, read on 10.11.2026.
Which Georgian bank is best for foreign currency deposits?
On a 12-month term deposit the highest effective rate right now is 4.00% in dollars at Ziraatbank and 2.50% in euros at Khalyk Bank Georgia. Foreign currency deposits pay less than lari ones, but carry no lari risk if you also spend in that currency. The data comes from the National Bank of Georgia, read on 10.11.2026.
What deposit account is best for earning interest in Georgia?
A longer term deposit usually pays the most, while demand deposits pay little. Lari deposits pay more than dollar or euro ones, but carry currency risk. Early withdrawal from a term deposit cuts the interest, so choose a term that matches when you will need the money.
Why are lari deposit rates higher than dollar rates?
A lari deposit carries currency risk: if the lari weakens, the result counted in dollars shrinks. The higher rate partly compensates for that risk.
Can a non-resident open a deposit in Georgia?
As a rule yes, but the documents required and the products on offer differ by bank. Check the conditions with the bank first.
Are deposits in Georgia insured?
Yes. According to the Deposit Insurance Agency, deposits are insured up to 50,000 lari per depositor per commercial bank or microbank, in any currency, for residents and non-residents. Several accounts at one bank are added together.
Which bank has the best deposit?
It depends on the currency, the term and whether you may need the money early. The table shows every option by effective rate; the highest figure for the same term and currency pays the most, if the bank's conditions suit you.
Effective vs nominal rate?
The nominal rate is what the bank advertises. The effective rate accounts for how often interest is paid and for mandatory fees, so it is the better number for comparing banks.
For reference only; not financial advice or a bank offer. GFX.GE earns nothing from deposits opened at banks.