Georgian bank deposits versus an apartment
What Georgian banks pay on a one-year deposit, and what a Tbilisi apartment gives in the home page calculator. Every rate has its bank, a date and a link to the source.
Every figure has a source, a date and a status: verified (we read the official or primary source), press (a media report), estimate (an aggregator or agency), calculation (our formula, shown in the tooltip).
One-year deposits at Georgian banks
| Bank | Currency | Term | Rate a year | Rate type | Date | Source |
|---|---|---|---|---|---|---|
| Halyk Bank Georgia | GEL | 12 months | 10.20% | effective | Halyk Bank Georgia · verified | |
| Credo Bank | GEL | 12 months | 10.05% | effective | National Bank of Georgia · verified | |
| Liberty Bank | GEL | 12 months | 9.80% | effective | National Bank of Georgia · verified | |
| Basisbank | GEL | 12 months | 9.61% | effective | National Bank of Georgia · verified | |
| Bank of Georgia | GEL | 12 months | 9.25% | effective | National Bank of Georgia · verified | |
| TBC Bank | GEL | 12 months | 8.85% | effective | National Bank of Georgia · verified | |
| ProCredit Bank | GEL | 12 months | 8.40% | effective | ProCredit Bank · verified | |
| Halyk Bank Georgia | USD | 12 months | 4.00% | effective | Halyk Bank Georgia · verified | |
| Credo Bank | USD | 12 months | 2.90% | effective | National Bank of Georgia · verified | |
| ProCredit Bank | USD | 12 months | 2.45% | effective | ProCredit Bank · verified | |
| Basisbank | USD | 12 months | 2.00% | effective | National Bank of Georgia · verified | |
| Liberty Bank | USD | 12 months | 2.00% | effective | National Bank of Georgia · verified | |
| Bank of Georgia | USD | 12 months | 1.50% | effective | National Bank of Georgia · verified | |
| TBC Bank | USD | 12 months | 1.40% | effective | National Bank of Georgia · verified | |
| ProCredit Bank | EUR | 12 months | 1.95% | effective | National Bank of Georgia · verified | |
| Basisbank | EUR | 12 months | 1.60% | effective | National Bank of Georgia · verified | |
| Liberty Bank | EUR | 12 months | 1.50% | effective | National Bank of Georgia · verified | |
| Credo Bank | EUR | 12 months | 0.95% | effective | National Bank of Georgia · verified | |
| TBC Bank | EUR | 12 months | 0.40% | effective | National Bank of Georgia · verified | |
| Bank of Georgia | EUR | 12 months | 0.25% | effective | National Bank of Georgia · verified |
How Georgia taxes interest on individuals' deposits is outside the scope of this page. The rates in the table are before tax, as the banks show them.
National Bank of Georgia policy rate
- NBG refinancing rate8.25%
21 October 2026 · National Bank of Georgia · verified
A Tbilisi apartment in the same calculator
- Apartment price in the example$60,000
as of 9 November 2026 · Levelvale home page calculator · calculationFormula: the home page calculator example
- Rent in the example$450 a month
long-term letting, a ready apartment
as of 9 November 2026 · Levelvale home page calculator · calculationFormula: the home page calculator example
- Calculation term10 years
as of 9 November 2026 · Levelvale home page calculator · calculationFormula: the home page calculator example
- Yield in year one5.8%
$3,550 in hand of the $61,200 you put in, including the buying costs
as of 9 November 2026 · Levelvale home page calculator · calculationFormula: in hand in year one ÷ money put in with buying costs
- Yield a year over 10 years without a sale2.5%
in today's money, after taxes, empty months and inflation; above the money put in +$13,193
as of 9 November 2026 · Levelvale home page calculator · calculationFormula: the calculator's yield a year over the term, without a sale, in today's money
- Paid back by the rent in16.6 years
nominal, estimate beyond 10 years
as of 9 November 2026 · Levelvale home page calculator · calculationFormula: how many years the money in hand takes to return the money put in
- Payback as the listing counts it11.1 years
price $60,000 ÷ rent $5,400 a year
as of 9 November 2026 · Levelvale home page calculator · calculationFormula: price ÷ (monthly rent × 12)
Deposit rates: a year, before tax, in the deposit's currency. The apartment: in dollars, after the agent, costs, taxes and empty months; the yield over the term is in today's money. The calculator handles the lari exchange rate and inflation for a deposit.
The data updates automatically; last updated .