For Expats

Credo Bank offers expat customers quick and easy access to e-mail banking services. The Service allows the customer to carry out transactions and receive relevant notifications.

To use the E-mail Banking service, you must have a personal e-mail address. To get the desired operation you need to send the request to - [email protected]

Advantages of the service:

• Information about balance;
• Information about loan debt;
• Get the bank statement;
• Get account details;
• Loan statement;
• Get a statement (about debts, and balances on the account);
• Consultation (about products and operations);
• Raise the ticket about a problem or concern;
• Transfer money to your own account;
• Transfer money to a third-party account both inside and outside of the bank;
• Make a non-cash conversion;
• Convert money (with the standard exchange rate);
• Convert money (with the nonstandard exchange rate);
• Pay a bill, mobile top-up, and other payments;
• Cancel undesired transactions;
• Open an additional account;
• Open a deposit;
• Add money to the deposit;
• Deposit insurance;
• Order a debit card;
• Renew the debit card;
• Block the debit card;
• Request an overdraft limit;
• Increase an overdraft limit;
• Decrease an overdraft limit;
• Cancel an overdraft limit;
• Order a credit card;
• Increate a credit card limit;
• Decrease a credit card limit;
• Cancel a credit card limit;
• Request a loan;
• Carry out partial or advance repayment of the loan;
• Request a change in loan terms;
• Purchase insurance products;
• Cancel insurance products.

A modern digital payment system Keepz, which allows the seller to receive payments easily, quickly and without additional costs. For buyers, it offers a convenient way to pay using their preferred digital alternatives to cash, including: Apple Pay, Google Pay, Cryptocurrency, Mobile banking and Credo Bank's "Da-Ka-Vi " installment service, making purchases more affordable and comfortable.

Keepz Transfers

Now you can receive transfers in your desired currency directly to your Credo Bank account through Keepz.

• Transfer in USD and EUR — with no conversion
• No need to leave home — instant crediting to the recipient’s Credo Bank account in Georgia, at any time of the day
• Low commission — cheaper compared to standard money transfer services
• Simple process — scan a QR code or pay via link

How does it work?

• Go to this link: salaro.io
• Create a link or QR code for the payment
• Share it and use it for fast money transfers

Keepz allows you to make payments using any method: foreign card, Georgian card, e-wallet, online banking, or cryptocurrency.

Payment tariffs by currency:

• When paying with a foreign card:
• Applies only to card payment method, commission is 2.5%
• When paying with a Georgian card:
• E-wallet / card payment - commission 2.5%
• Online banking - commission 0% / 0.5%
• Crypto - commission 1%

International Transfers

From Mycredo, pay just 5 EUR/USD and send money to 50+ countries in under 24 hours!

Say goodbye to transfers taking several days and unclear fees. International transfers have never been this easy!

Key Benefits:

1. Speed: Your money travels faster than you! Enjoy true instant transfers in at least half of our 50 supported countries.

2. Transparency: No surprises! You know exactly how much the receiver will get. Hidden fees are history!

3. Price: The cheapest transfers from Georgia with a fixed commission rate of just 5 EUR/USD. Our service is cheaper than other transfer systems. Save money, send more!

Transfers are available only through Mycredo mobile bank

How It Works:

1. Log in to your Mycredo mobile app

2. Select "International Transfer"

3. Choose the recipient country and enter the details

4. Review and confirm the transfer amount and fee

5. Send and track your transfer in real-time

6. Try Now

Terms and Conditions

• For further details see "International Transfers"
• List of Countries

Swift Transaction Instructions

Credo Bank provides a flexible and efficient international money transfer system (SWIFT) for USD and EUR currencies.

You can make transfers within the country or abroad from any Credo Bank service center in Georgia, benefiting from remarkably low commission rates.

PLEASE NOTE THAT CURRENTLY, THERE ARE TEMPORARY RESTRICTIONS ON EXECUTING INTERNATIONAL TRANSFERS TO RUSSIA AND BELARUS

For swift transactions in Credo Bank please follow the instructions on links:

• Standard conditions

Cash-out remittances from Mycredo

Cash-out remittances from Mycredo remotely!

• ZOLOTAYA KORONA - GEL, USD
• MONEYGRAM - USD, EUR
• WESTERN UNION - USD, EUR
• RIA MONEY TRANSFER - USD, EUR
• INTELEXPRESS - GEL, USD, EUR
• RICO GRAM - GEL, USD, EUR

If the system gives you a message when cashing a ZOLOTAYA KORONA remittance remotely (it is impossible to receive the remittance in cash at the service center), you can apply to Credo Bank's expat (or standard) service centers to cash out the remittance, for more details, visit the ZOLOTAYA KORONA application or contact the ZOLOTAYA KORONA call center.

To remotely cash out Zalataya Korona remittance seamlessly, follow these guidelines:

• Do not mention the recipient's father's name in the remit;
• Ensure to include the recipient's phone number (with the +995 country code) is registered in Credo Bank.

1. The “Cross Border Fee” will be charged to natural person(s) who is(are) citizens of foreign countries and who

use(s) an active debit card of JSC “Credo Bank”, except for those natural person(s) who:

a) enjoy(s) the service for Rcheuli clients;

b) is (are) citizen(s) of Ukraine.

2. The fee will be charged in the month following each reporting month according to the following principle:

a) If the client has at least one card transaction using a debit card of JSC "Credo Bank" at a POS terminal and/or ATM within the territory of Georgia during the previous calendar month, the "Cross Border Fee" shall be GEL 0. 

b) If the client has not made any transactions within the territory of Georgia during the previous calendar month, but has made at least one card transaction using a debit card of JSC "Credo Bank" at a POS terminal and/or ATM within the territory of Georgia during the last 3 consecutive calendar months, the "Cross Border Fee" shall be GEL 10. 

c) If the client does not have at least one card transaction made with a debit card of JSC "Credo Bank" at a POS terminal and/or ATM within the territory of Georgia for the last 3 consecutive calendar months, the "Cross Border Fee" shall be GEL 30. 

d) If the client does not have at least one card transaction made with a debit card of JSC “Credo Bank” at a POS terminal and/or ATM within the territory of Georgia for the last 3 consecutive calendar months, but as of the last day of the previous calendar month has been using any deposit product, including savings or demand deposits, and the total balance on deposit accounts amounts to at least GEL 1,000 or its equivalent in another currency, the “Cross Border Fee” shall be GEL 10.

For additional questions, please contact us at here

Check the terms and conditions file here