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Frequently Asked Questions


“Megobari” Deposit
related questions

Is interest yield accrued only on the part of the deposit which is untouched during the month?

Will I receive a bank card automatically after opening deposit? 
How much does it cost to open deposit?

Only I can deposit/withdraw amount from “Megobari” Deposit?

In which currency can I open “Megobari” Deposit?

What is the minimum initial amount to be deposited on “Megobari” Deposit?

What type of bank card is “Megobari” Deposit Card? 

Which operations are possible with “Megobari” Deposit Card?

Can I withdraw money from deposit any time?

What is duration of this deposit?

Can I withdraw money from abroad?

How much does it cost to open “Megobari” deposit? 


Dream Card related questions

What is Dream Card?
How Can I use Dream Cardfor 0% during 55 days?
What should I do if I want to pay back step by step, with lowest installments available in Georgia?
When should I make the monthly minimal installment?
After making monthly minimal installment, Can I withdraw the same amount from Dream Card?
How can I make payments on Dream Card?
What are the advantages of Dream Card in comparison with other cards?
How many types of Dream Card-s are available?
If I payback the spent amount step by step, what will be the annual interest rate?
What kind of card is Dream Card?
What is Dream Card duration?
How can I get the information regarding the amount to be paid?
What documents do I need to receive Dream Card?
What is the minimal monthly salary/rent required to apply for Dream Card?
Where can I get Dream Card?
In which Currency can I receive Dream Card?
In which currency can I withdraw the money from Dream Card?
What should I do if I loose Dream Card?
What should I do if I forget the pin code?
What should I do if my Dream Card is retained by ATM?

WEBSITE

How should I adjust my screen display to get the most out of the web site?
What should I do to get an overall view of the Bank Republic - Societe Generale Group web site?
Why can't I see the animations on the site?
Why can't I view downloadable documents on the site?

GENERAL QUESTIONS

Which of Bank Republic's service centers is open 24 hours a day?
What are Bank Republic's requisites?
Is Saturday a business day in Bank Republic?
What are working and lunch-brake hours at Bank Republic's branches and service centers?
What sort of information can I receive from the Call Center?
What are working hours of the Call Center?
Where can I find the most recent job openings announced by Bank Republic?

CURRENT ACCOUNT

How much do I have to pay to open an account?
In what currency can I open the Current Account?
How can I check the balance and transactions on my current account without visiting the Bank?
Can I hold several current accounts simultaneously?
I hold an account in one of the branches. Can I perform transactions on the account from a different branch?

BANKING CARDS

How can I use a banking card?
What are the priorities of Visa Classic over Visa Electron?
Can I check my card account balance and transactions without visiting the Bank?
Can I transfer money from a card account to a current or other account or vice versa?
Where can I receive a statement of my card account?
Can I buy goods through the Internet, using my card account?
What is CVV2?
What is the difference between PIN and CVV?
Can I change the PIN of the Bank Republic card?

What other transactions can I perform through ATM in addition drawing money?
What am I supposed to do if I lose the card account?
What am I supposed to do if I forget the PIN?
What am I supposed to do if the card is damaged?
How can I avoid damaging the card?

LOANS

I have taken a loan in another bank. Would it be a problem to borrow money from Bank Republic?
I have taken a loan in one of the branches. Can I repay it in a different branch?
How can I repay the loan without visiting the bank?
What should I do if my income is not enough to receive a loan?

MORTGAGE LOAN "MY NOOK"

Is it necessary to secure a mortgage loan by means of the real estate I am going to buy?
What should I do if my income is not enough to receive a loan?

AUTOMOBILE LOAN "FORMULA 1"

Is it necessary to pledge the car I am going to buy?
Does Bank Republic have any partners among automobile traders and what discounts do they offer?

COMFORT

How comfortable is COMFORT?
For what purpose can I receive Loan COMFORT?
What should I do if my salary is not enough to receive the loan?

DEPOSIT LOAN

What is the approval term of DEPOSIT LOAN?
Can I withdraw the loan in a currency different from the deposit currency?
Can I receive a loan secured by means of another person's deposit?

DEPOSITS

What are the priorities of opening a deposit with Bank Republic?
Can I open a deposit with any branch/service center?
What happens if I do not appear after expiry of the deposit term?
Can I transfer money to the account without having to visit the bank?
What does it mean to extend the deposit term?
What if I need the money earlier than the agreed time?

TERM DEPOSIT

Can my family member use my deposit?
Can I open a deposit for two holders? How can we use the deposit in such case?

PRIVILEGED DEPOSIT

What is the privilege of this deposit?
Are there any time limitations for depositing additional amounts?

CUMULATIVE DEPOSIT

What if I can't put the money on the deposit within a month?
Are the deposit amounts limited?
Can other persons also add money to the deposit?

CHILD DEPOSIT

Can I open a deposit for another person's child?
Can I put money on the deposit of another person's child?

FLEXIBLE DEPOSIT

Why is the deposit called "Flexible"?

MONEY TRANSFERS

How many banking days does it take to transfer money on the territory of Georgia?
How many bank days does it take to transfer money abroad?
Which of the money transfer systems is the fastest to transfer money abroad?

REMOTE BANKING PRODUCTS

I wish to become a user of remote banking products. What should I do?
What kind of Internet do I need in order to be able to use the Bank-Client?
Are there different rates for performing transactions involving the use of remote banking products?
Which banking operations can be implemented through ATM?

 

“Megobari” Deposit related questions

Is interest yield accrued only on the part of the deposit which is untouched during the month?

You receive interest yield not only on untouched amount during the month, but also on the amount which you deposit or withdraw from your account.

Interest yield on untouched amount is up to 8.50%.

Interest yield on the deposited or withdrawn amount is 2.00%.

Interest will be accrued monthly.

 

Will I receive a bank card automatically after opening deposit? 

It is your decision whether you want to have bank card or not.

 

How much does it cost to open deposit?

Opening deposit is free of charge

 

Only I can deposit/withdraw amount from “Megobari” Deposit?

 

Depositing money is possible by you as well as by any third party.

You are the only authorized person to withdraw amount from deposit,.

According to your wish, withdrawal can be authorized to 3 more persons chosen by you, who will get additional bank cards.      

 

In which currency can I open “Megobari” Deposit?

You can open Friend Deposit in: GEL, USD, EUR.

 

What is the minimum initial amount to be deposited on “Megobari” Deposit?

100 units of a deposit currency.
 

What type of bank card is “Megobari” Deposit Card? 

VISA ELECTRON with high daily limits for money withdrawal:

 

         From any ATM throughout the world: up to 5,000 GEL (or equivalent in other currency).

         From our bank’s branches: not restricted

         From other bank’s branches throughout the world: 10,000 GEL (or equivalent in other currency)

 

Which operations are possible with “Megobari” Deposit Card?

Only Withdrawal operations from ATMs and branches throughout the world.

Internet transactions and purchasing operations at stores are restricted for your deposit’s safety reasons.

 

Can I withdraw money from deposit any time?

Yes, you can make withdrawal any time, from any ATM or bank throughout the world.

 

What is duration of this deposit?

Duration of deposit is unrestricted.

 

Can I withdraw money from abroad?

Yes, by using your card, you can withdraw money from any ATM or bank throughout the world.

 

How much does it cost to open “Megobari” deposit? 

To open “Megobari” Deposit is free or charge.


Dream Card related questions

What is Dream Card? 

Dream Card is a credit card which enables you to receive repeatedly up to GEL 10,000 without collateral during 2 years 

and 

use this amount during 55 days for 0% 

or 
Repay it step by step by lowest monthly installments for credit cards available in Georgia

How Can I use Dream Card for 0% during 55 days?

For this purpose, from 1st to 25th of the current month, anytime convenient for you, you have to pay back the entire amount spent with Dream Card during the last month.

For example:

If during the May, you spend Gel 1,000 and then you pay back entire amount till June 25th, you will not pay any interest!
After that you can use again the amount from your Dream Card , pay it back until the 25th of next month, and pay no interest again.

What should I do if I want to pay back step by step, with lowest installments available in Georgia?

In this case, you can choose the minimal monthly installment from 75, 50, 25, and 10% of spent amount, and pay back monthly.

The chosen installment amount is valid during 2 years.

For example:
If you choose to pay every month 5%, and during May you spend GEL 1,000, then till 25th of June you have to pay back GEL 50 (5% of 1,000). In this case, at the end of June Interest will be accrued on your spent amount, which you will pay till July 25th, anytime convenient for you, together with the monthly installment.

When should I make the monthly minimal installment?

Till the 25th of every month, any work day convenient for you.

After making monthly minimal installment, Can I withdraw the same amount from Dream Card?

Yes, you can withdraw the same amount, the same day.

How can I make payments on Dream Card?

By visiting any of our branches/service centers
By transferring money from the other bank

Through Internet bank
By using ATM to transfer money from the other plastic card to Dream Card

What are the advantages of Dream Card in comparison with other cards?

Possibility of using amount without interest during 55 days

Limit up to GEL 10,000

How many types of Dream Card-s are available?

Black and Red

 

If I payback the spent amount step by step, what will be the annual interest rate?

For cash withdrawal from ATMs – 38.00%
For purchases at merchants – 30.00%

What kind of card is Dream Card?

Visa Classic

What is Dream Card duration?

Dream Card  duration 4 years;

Credit limit duration 1 year

How can I get the information regarding the amount to be paid?

By receiving Dream Card Bill, available at the beginning of every month in any of our branches/service centers
By receiving sms on your mobile at the beginning of every month

Through Internet bank service for which you can sign when receiving the Dream Card
By calling (8 32) 292 55 55 or 290 90 90, using telephone pin code which you can obtain when receiving Dream Card

What documents do I need to receive Dream Card?

ID card

What is the minimal monthly salary/rent required to apply for Dream Card?

GEL 200

Where can I get Dream Card?

In the following branches

In which Currency can I receive Dream Card?

In GEL

In which currency can I withdraw the money from Dream Card?

In any currency available in ATM

What should I do if I loose Dream Card?

Call our hotline as soon as possible on (8 32) 290 90 90 or visit any of our branches/service centers.  According to your demand your Dream Card will be blocked and nobody will be able to misuse it.

What should I do if I forget the pin code?

Address bank branch/service centre for changing the Dream Card

What should I do if my Dream Card is retained by ATM?

Call our hotline (8 32) 292 55 55

 

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WEBSITE

How should I adjust my screen display to get the most out of the web site?

The site is configured for 1024x768 resolution colour screens.

What should I do to get an overall view of the Bank Republic - Societe Generale Group web site?

The Site Map contains a list of all the sections available. These links will enable you to access the information that you require more quickly.

Why can't I see the animations on the site?

If you do not have the right plug-in, your version of the site will not be animated.
A plug-in or extension is a small programme that allows your browser to display multimedia file formats.
You will need the Flash 9.0 or newer plug-in to see the site animations.

Why can't I view downloadable documents on the site?

To view PDF format files, you will need Adobe Reader 5 or newer.

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GENERAL QUESTIONS

Which of Bank Republic's service centers is open 24 hours a day?

The following service center is open 24 hours a day:

Chavchavadze Branch

Adr: 13 Chavchavadze Avenue, Tbilisi

Tel: (832) 290 90 90.

Airport Service Center

Adr: Tbilisi, International Airport

Tel: (832) 243 31 81

What are Bank Republic's requisites?

JSC Bank REPUBLIC

Adr: 2 Gr. Abashidze St., Tbilisi

Tel: (832) 290 90 90

Fax: (832) 292 55 44

Identification code: 204856263

Is Saturday a business day in Bank Republic?

On Saturdays Bank REPUBLIC is open from 9:30 to 14:00.

What are working and lunch-brake hours at Bank Republic's branches and service centers?

The branches and service centers of Bank Republic are open from Monday through Friday from 9:30 to 17:30 without a break and on Saturday from 9:30 to 14:00, and the cash desk is open on weekends from 9:30 to 17:00. The 24-hour service center is open every day.

Chavchavadze Branch

Adr: 13 Chavchavadze Avenue, Tbilisi

Tel: (832) 292 55 55.

Airport Service Center

Adr: International Airport

Tel: (832) 243 31 81

What sort of information can I receive from the Call Center?

With the help of our Call Center you can:

  • Receive information on the Bank's products and services;
  • Receive the Bank's contact information;
  • If necessary, block or unblock your banking card;
  • Receive information regarding the balance and/or turnover on your account;
  • Receive information regarding the balance and/or turnover on your account by means of email;
  • Receive information regarding the account number.

This information can be received by means of a password (code word) given to you when you open any account.

What are working hours of the Call Center?

The Call Center works 24 hours, seven days a week.

Where can I find the most recent job openings announced by Bank Republic?

Openings can be seen in the "Career" menu of our website as well as on the websites: www.hr.com.ge   www.jobs.ge

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CURRENT ACCOUNT

How much do I have to pay to open an account?

A Current Account can be opened at Bank Republic free of charge.

In what currency can I open the Current Account?

The current account may be opened in GEL, USD, EURO and POUND.

How can I check the balance and transactions on my current account without visiting the Bank?

You can check the balance and transactions on your current account by means of bank software, such as "Internet Bank", "Telephone Bank" or "Bank-Client" or by calling the Call Center - in such case the information is provided based on a code word.

Can I hold several current accounts simultaneously?

You can open several current accounts in different currencies as well as in the same currency.

I hold an account in one of the branches. Can I perform transactions on the account from a different branch?

In performing transactions, it does not matter which branch you hold an account in. You can apply to any branch, the location of which best suits you.

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BANKING CARDS

How can I use a banking card?

You can buy goods or services in trade outlets as well as through the Internet (internet purchases can be made by means of all cards except Viza Electron), withdraw money from the account, make online payments. For example, you can make payment to utilities.

What are the priorities of Visa Classic over Visa Electron?

Viza Classic is a relatively more prestigious card. Compared to Viza Electron, Viza Classic has a higher spending limit. Besides, Viza Classic makes it possible to purchase goods through the Internet.

Can I check my card account balance and transactions without visiting the Bank?

Of course you can! You can check your balance and transactions using the following banking software: Internet Bank, Telephone Bank, ATMs, also through our Call Center - in this case you will be asked to give the code word.

Can I transfer money from a card account to a current or other account or vice versa?

Money can be transferred to a card account not only from a current account but also from any other account and from any bank around the globe. Money from one card account to another card account (Bank Repoblic, Bank of Georgia, Standard Bank, Silk Road Bank) may be transferred only through ATM.

Where can I receive a statement of my card account?

A statement of your card account can be received through ATM (ATM makes it possible to receive the statement of authorized transactions carried out during the last month), Internet Bank and by visiting the branch.

Can I buy goods through the Internet, using my card account?

Goods may be purchased through the Internet by means of: Viza Classic, Viza Business, Viza Gold and Viza Platinum cards.

What is CVV2?

CVV2 is an additional code (three-digit figure) located at the signature line on the reserves side of the banking card. It is used to make purchases through the Internet.

What is the difference between PIN and CVV?

PIN Code – Personal Identification Number is four digit  number, used for various ATM bank transactions and POS terminal settlements.

CVV code – Card Verification Value consists of three digits and is placed on the back of the card on the signature tape. It is used for internet settlements.CVV code has been developed by international settlement systems in order to reduce number of fraudulent operations when making card settlements on the web.

Can I change the PIN of the Bank Republic card?

The card PIN may be changed through Bank Republic's ATMs. For this, you must choose the respective menu "Changing PIN" in the ATM.

What other transactions can I perform through ATM in addition drawing money?

In addition to cash withdrawal, ATM makes it possible to pay utility and other bills, fill up the cell phone balance, transfer money to the card accounts of Bank Republic, Bank of Georgia, Kor Standard Bank, BTA Bank and purchase goods/services in trade and service facilities. 

What am I supposed to do if I lose the card account?

If you lose your card, contact us promptly at (832) 292 55 55 or 290 90 90 to block the card in order to prevent others from using it.

What am I supposed to do if I forget the PIN?

Only you know the card PIN and it can be restored. So, if you forget the PIN, please apply to the branch or service center of the bank for preparation of the new card.

What am I supposed to do if the card is damaged?

If the card is damaged, please visit the Bank's branch or service center in order to prepare a new card.

How can I avoid damaging the card?

Do not keep the card in places affected by magnetic waves – near a TV, radio, cell phone or any other source of magnetic waves. Do not try to put physical or electromagnetic pressure on the magnetic line of the card or on the microchip installed in the card so as not to damage the card. Also try to avoid any physical deformation of the card.

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LOANS

I have taken a loan in another bank. Would it be a problem to borrow money from Bank Republic?

A loan taken in another bank does not prevent you from borrowing money in Bank Republic.

I have taken a loan in one of the branches. Can I repay it in a different branch?

To pay the loan, you can apply to any branch or service center of the Bank Republic.

How can I repay the loan without visiting the bank?

You can repay the loan in any branch or through the Internet - by using the Internet Bank software.

What should I do if my income is not enough to receive a loan?

If your income is not enough to get a loan, you can pool your and other person's revenues and receive the loan together. 

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MORTGAGE LOAN "MY NOOK"

Is it necessary to secure a mortgage loan by means of the real estate I am going to buy?

No, it is not. You can even use a third person's real estate as security. 

What should I do if my income is not enough to receive a loan?

If your income is not enough to receive a mortgage loan, you can apply for the loan jointly with 1 or 2 of your family members (co-borrowers) and the Bank will consider your total income.

Automobile Loan "FORMULA 1"

Is it necessary to pledge the car I am going to buy?

No, it is not. You can use even a third person's car as security.

Does Bank Republic have any partners among automobile traders and what discounts do they offer?

The list of Bank Republic's partner auto traders and information about the discounts offered by them is provided on the Bank's website at:

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LOAN COMFORT

How comfortable is COMFORT?

For what purpose can I receive Loan COMFORT?

You can receive the loan for any purpose.

What should I do if my salary is not enough to receive the loan?

If your income is not enough to receive a loan of the desired amount, you can pool your and other person's revenues and receive the loan together. 

DEPOSIT LOAN

What is the approval term of DEPOSIT LOAN?

The deposit loan is approved in a day.

Can I withdraw the loan in a currency different from the deposit currency?

The loan may be withdrawn in the deposit account as well as in USD and EURO.

Can I receive a loan secured by means of another person's deposit?

Of course, you can.

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DEPOSITS

What are the priorities of opening a deposit with Bank Republic?

By opening a deposit with Bank Republic, you entrust the money to Societe Generale, one of the leading financial groups in the world, a stable guarantee for the safety of your money. 

Can I open a deposit with any branch/service center?

You open a deposit with any branch/service center.

What happens if I do not appear after expiry of the deposit term?

If in opening the deposit you choose the term prolongation condition, upon expiry it shall be prolonged automatically for the deposit term.

Can I transfer money to the account without having to visit the bank?

You can use Internet Banking or Bank-Client software to transfer money to the deposit account.

What does it mean to extend the deposit term?

Extending the deposit term means prolonging the deposit term automatically upon expiry.

What if I need the money earlier than the agreed time?

You will have to violate the Deposit Agreement. In such case, you will receive reduced interest defined under the Agreement and you can withdraw the money within maximum 7 business days.

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TIME DEPOSIT

Can my family member use my deposit?

The deposit can be disposed of by any person if he/she has the notarized power of attorney granted by you. 

Can I open a deposit for two holders? How can we use the deposit in such case?

The deposit can be opened for 2 holders and may be managed jointly as well as independently by both holders.

PRIVILEGED DEPOSIT

What is the privilege of this deposit?

The deposit privilege is that your deposit accrues the highest interest (like a Term Deposit) but at the same time you can add money on it at any time.

Are there any time limitations for depositing additional amounts? 

You can put the money whenever you wish.

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CUMULATIVE DEPOSIT

What if I can't put the money on the deposit within a month?

Twice during the deposit term you are allowed to fail depositing the minimum monthly amount. If you fail to make the deposit the third time, the Bank will cancel the Deposit Agreement and the reduced interest specified in the Agreement will be accrued on your account.

Are the deposit amounts limited?

The deposit amounts are not limited.

Can other persons also add money to the deposit?

Any other person may put money on the deposit.

CHILD DEPOSIT

Can I open a deposit for another person's child?

Yes, you can. However, only the child's parents or legal guardians may dispose of the money. When opening the deposit, you can nominate the authorized person who you wish to dispose of the money.

Can I put money on the deposit of another person's child?

You can put the money on the deposit for any other individual, including the deposit of another person's child.

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FLEXIBLE DEPOSIT

Why is the deposit called "Flexible"?

Flexible Deposit allows you to withdraw 30% of the sum at any time and then return it without canceling the Deposit Agreement and losing the deposit interest.

MONEY TRANSFERS

How many banking days does it take to transfer money on the territory of Georgia?

It takes 2 banking days to transfer money within Georgia.

How many bank days does it take to transfer money abroad?

In average it takes 3 days to transfer money abroad. 

Which of the money transfer systems is the fastest to transfer money abroad?

We offer the fastest money transfer system - Western Union. To transfer/receive money, you can choose any of our branches.

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REMOTE BANKING PRODUCTS

I wish to become a user of remote banking products. What should I do?

Bank-Client

Please visit any of Bank Republic branches and sign a Bank-Client Agreement. The bank employee will come to your office and install the software. 

Internet Banking

Please visit any of Bank Republic branches and sign an Internet Banking Agreement. You'll be given a customer name, a password and a PIN (to perform a transaction).

Telephone Banking

Please visit any of Bank Republic branches and get a password for Telephone Banking, by means of which you can use the system.

Online Payments

You need to have a Bank Republic card to make online payments.

What kind of Internet do I need in order to be able to use the Bank-Client?

Any Internet connection (Dial-up, DSL, Wireless, dedicated line, etc.) can be used.

Are there different rates for performing transactions involving the use of remote banking products?

No, there are not. There are standard rates for performing transactions by means of remote banking products.

Which banking operations can be implemented through ATM?

  • Withdraw amount : 

GEL

USD

EURO

             From All ATMs

 

From All ATMs except the following ONES:

 

2 Gr. Abashidze Street 

Central Branch

 

13 Chavchavadze Ave., 

Chavchavadze Branch

 

9 Pushkini St.

Shop

 

Kutaisi, 3 Tamar Mephe St.

"Aldagi-BCI"

From the following ATMs:

 

 

2 Gr. Abashidze Street 

Central Branch

 

13 Chavchavadze Ave.,

Chavchavadze Branch

 

9 Pushkini St.

Shop

 

Kutaisi, 3 Tamar Mephe St.

"Aldagi-BCI"

 

  •  Check the balance on your bank card
  • Print the receipt with the available balance
  • Fill the mobile phone balance (Magti, Geocell, Beeline)
  • Pay for utilities (Telasi, Tbilisi Water, Kaztransgas, Cleaning Services)
  • Pay for other communication services (Georgian Telecom, Global 1, Ayety, Geonet) and patrol penalty

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