Credo Universal
CREDO Universal, the individual banking service adapted to the client, gives you a chance to receive a new universal card and enjoy the special conditions and tariffs for the banking products and services.
Visit us to the service center at your convenience, make an application and activate the individual banking service adapted to you for just GEL 6 per month.
Package Universal – your universal decision!
Terms and conditions
| Individual Clients | |
| Universal service | 65 Gel – annually
6 Gel – monthly |
| Current accounts
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| Current account opening | Free |
| Adding current account currency | Free |
| Current account service fee (monthly) | Free |
| Cash depositing | |
| Operations in national currency | Free |
| Operations in foreign currency (except RUR) | Free |
| Cash withdrawal | |
| Withdrawal of the loan amount in national currency | Free |
| Withdrawal of the loan amount in foreign currency | Free |
| Withdrawal amount of the Deposit and Saving account | Free |
| Money transfers from accounts ( Mycredo.ge) | |
| Money transfer within the bank system between the client own accounts (any currency) | Free |
| Money transfer within the bank system between the accounts of different clients | Free |
| Payments to Credo Bank | Free |
| Money transfer outside the bank system in Gel | 1 Gel |
| SMS notifications | |
| SMS notifications on retail operations – for clients, using Credo Bank loan | Free |
| SMS notifications on retail operations (monthly) – for clients, not using Credo Bank loan | Free |
| Credo Universal MasterCard (Debit Card) | |
| Currency | GEL / USD / EUR/ |
| Service fee | |
| Card service fee (One-time fee), if purchased in the Branch | Free |
| Card service fee, if purchased through Online Banking (MyCredo) | Free |
| Card Recovery fee (in case of card loss or damage) | 10 Gel |
| Card validity period | 4 Year |
| Daily withdrawal limits | |
| Credo Bank service centers | Unlimited |
| Credo Bank ATM’s | 10000 Gel |
| UFC network Banks ATM’s (TBC, Halyk) | 10000 Gel |
| UFC network Banks service centers | 10000 Gel |
| Other bank ATM’s | 10000 Gel |
| Other bank service center | 10000 Gel |
| Purchase Limit | 20 000 GEL (Or Equivalent in other currencies) |
| Operation Limit without using PIN Code | 100 GEL |
| Payment fee in merchants | |
| International merchants | Free |
| Local merchants | Free |
| Internet | Free |
| Cash withdrawal fee | |
| Other Banks service center | 3% of the amount (min 8 Gel / 4 USD / 4 EUR) |
| Credo Bank ATM’s | GEL - Free, USD - 0.3% (min 0.5 USD) |
| UFC network Banks ATM’s (TBC, Halyk) | GEL - Free, USD / EUR - 0.5% (min 0.5 USD / EUR) |
| Other Banks ATM’s (Georgia) | GEL - Free, USD / EUR - 0.5% (min 0.5 USD / EUR) |
| Other Banks ATM’s (Abroad) | 3 % of the amount (min 8 GEL / 4 USD / 4 EUR) |
| Internet banking | |
| Online Banking (MyCredo) | Free |
Advantages
- Current account without the service commission
- Specially designed Universal Card without the service commission
- Free SMS service
- In case of using a loan, free withdrawal of the amount from the cash desk
- Special tariffs for the banking services in a service center
- High limits of cashing
- Use of free MyCredo Internet and mobile bank without the Internet megabytes
- Free transfer onto CREDO Bank’s accounts
- Utility payments without the commission
- Transfer onto other banks’ accounts with the special tariff - GEL 0.5 instead of GEL 1