{"id":58,"date":"2026-07-13T10:00:00","date_gmt":"2026-07-13T10:00:00","guid":{"rendered":"https:\/\/neobankfit.com\/blog\/?p=58"},"modified":"2026-08-22T23:45:56","modified_gmt":"2026-08-22T23:45:56","slug":"georgia-atm-fees-foreign-card","status":"publish","type":"post","link":"https:\/\/neobankfit.com\/blog\/georgia-atm-fees-foreign-card\/","title":{"rendered":"Georgia ATM Fees for Foreign Cards: A Tbilisi Cash Guide"},"content":{"rendered":"\n<div class=\"bs-article\"><p>Georgia has become one of the most popular bases in the region for digital nomads and non-residents, partly because day-to-day life is cheap and partly because it is genuinely easy to bank around.<\/p> <p class=\"bs-dek\">Its ATM fees reflect that: small by global standards, usually a matter of a few lari, and at two named banks reportedly nothing at all. The cost that actually stings in Georgia is the same one that stings everywhere: the currency-conversion prompt, and it is entirely avoidable.<\/p> <div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/neobankfit.com\/blog\/georgia-atm-fees-foreign-card\/#What_Georgian_ATMs_charge_foreign_cards\" >What Georgian ATMs charge foreign cards<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/neobankfit.com\/blog\/georgia-atm-fees-foreign-card\/#Withdrawal_limits_change_the_maths\" >Withdrawal limits change the maths<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/neobankfit.com\/blog\/georgia-atm-fees-foreign-card\/#The_real_cost_is_the_conversion_prompt\" >The real cost is the conversion prompt<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/neobankfit.com\/blog\/georgia-atm-fees-foreign-card\/#Withdraw_sensibly_and_keep_a_backup\" >Withdraw sensibly and keep a backup<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/neobankfit.com\/blog\/georgia-atm-fees-foreign-card\/#The_setup_that_keeps_Georgia_cheap\" >The setup that keeps Georgia cheap<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/neobankfit.com\/blog\/georgia-atm-fees-foreign-card\/#FAQ\" >FAQ<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Georgian_ATMs_charge_foreign_cards\"><\/span>What Georgian ATMs charge foreign cards<span class=\"ez-toc-section-end\"><\/span><\/h2> <p>Most bank ATMs in Georgia add a small access fee for foreign cards, and the range is wide but the typical amount is modest.<\/p> <div class=\"bs-chart\"> <div class=\"bs-chart-head\"> <span class=\"bs-chart-title\">Reported fee per withdrawal, foreign card \u00b7 GEL<\/span> <span class=\"bs-legend\"><span class=\"is-good\"><i><\/i>Fee-free reported<\/span> <span class=\"is-mid\"><i><\/i>Low fee<\/span><span class=\"is-avoid\"><i><\/i>Higher, some up to 4%<\/span><\/span> <\/div> <div class=\"bs-bar-row\"><span class=\"bs-bar-name\">Basisbank \/ Cartu Bank<span class=\"bs-bar-note\">reported fee-free for foreign cards<\/span><\/span> <span class=\"bs-bar-track\"><span class=\"bs-bar is-good\" style=\"--w:4%\"><\/span><\/span> <span class=\"bs-bar-fee\">0<\/span><\/div> <div class=\"bs-bar-row\"><span class=\"bs-bar-name\">TBC Bank<span class=\"bs-bar-note\">most economical of the two majors<\/span><\/span> <span class=\"bs-bar-track\"><span class=\"bs-bar is-mid\" style=\"--w:8%\"><\/span><\/span> <span class=\"bs-bar-fee\">~1-2<\/span><\/div> <div class=\"bs-bar-row\"><span class=\"bs-bar-name\">Bank of Georgia<span class=\"bs-bar-note\">varies by location and card network<\/span><\/span> <span class=\"bs-bar-track\"><span class=\"bs-bar is-mid\" style=\"--w:12%\"><\/span><\/span> <span class=\"bs-bar-fee\">~1-3<\/span><\/div> <div class=\"bs-bar-row is-hl\"><span class=\"bs-bar-name\">Halyk Bank \/ Terabank \/ Liberty Bank \/ ProCredit<span class=\"bs-bar-note\">reported higher, some up to 4% of the amount<\/span><\/span> <span class=\"bs-bar-track\"><span class=\"bs-bar is-avoid\" style=\"--w:100%\"><\/span><\/span> <span class=\"bs-bar-fee\">up to 25<\/span><\/div> <p class=\"bs-chart-foot\">SOURCE: ATM FEE TRACKERS + TBC BANK TARIFF PAGE, 2026 \u00b7 EXACT AMOUNT ALWAYS SHOWN ON SCREEN BEFORE YOU CONFIRM<\/p> <\/div> <p>The two biggest names you will see most in Tbilisi, <strong>TBC Bank and Bank of Georgia<\/strong>, sit in the low-fee middle: TBC typically around <strong>1 to 2 lari<\/strong>, and Bank of Georgia around <strong>1 to 3 lari<\/strong> depending on the specific machine and card network. <strong>Basisbank and Cartu Bank are the two most often reported as fee-free<\/strong> for foreign cardholders, which makes them worth seeking out if you are near a branch. At the other end, <strong>Halyk Bank, Terabank, Liberty Bank and ProCredit are reported to charge more<\/strong>, with the highest cases reaching close to 4 percent of the withdrawal amount rather than a small flat fee, which can add up fast on a larger sum. Because these fees change and the exact amount is always shown on screen, check it before you confirm and cancel if it looks high.<\/p> <p>For everyday spending in lari, the fees at the cheaper end are minor either way, and the access fee is the smaller of the two costs that matter here, as the next section covers.<\/p> <h2><span class=\"ez-toc-section\" id=\"Withdrawal_limits_change_the_maths\"><\/span>Withdrawal limits change the maths<span class=\"ez-toc-section-end\"><\/span><\/h2> <p>A flat fee is really a percentage in disguise, and the size of your withdrawal decides which percentage you pay. ATM fee trackers report Georgian machines commonly capping a single transaction somewhere between <strong>200 and 3,000 lari<\/strong>, most often around 500 to 2,000 depending on the machine. A 3-lari fee on a 100-lari withdrawal is 3 percent; the same fee on a 1,000-lari withdrawal is 0.3 percent. <strong>The practical move is the same one that works everywhere: withdraw the largest amount your card and the machine both allow, in one go<\/strong>, rather than making several smaller withdrawals and paying the flat fee each time.<\/p> <h2><span class=\"ez-toc-section\" id=\"The_real_cost_is_the_conversion_prompt\"><\/span>The real cost is the conversion prompt<span class=\"ez-toc-section-end\"><\/span><\/h2> <p>Here is the part that matters more than which bank you choose. Both <strong>TBC and Bank of Georgia ATMs present dynamic-currency-conversion prompts<\/strong> to foreign cards, offering to charge you in your home currency, and that is where the real money is lost. The machine&#8217;s own exchange rate carries a markup that dwarfs the one-to-three-lari access fee. The rule is always the same: <strong>decline the conversion and choose lari<\/strong>, so your own card handles the exchange at the wholesale rate. It is free, and it saves far more than shopping around for the cheapest bank. On some ATM networks elsewhere in the region this prompt appears twice in a row, so read every screen until the cash actually comes out. We explain exactly why in <a href=\"https:\/\/neobankfit.com\/blog\/atm-pay-in-home-currency-trap-dcc\/\">the ATM home-currency trap<\/a>.<\/p> <h2><span class=\"ez-toc-section\" id=\"Withdraw_sensibly_and_keep_a_backup\"><\/span>Withdraw sensibly and keep a backup<span class=\"ez-toc-section-end\"><\/span><\/h2> <p>Because the access fee at the cheaper banks is flat and small, the usual arithmetic applies: <strong>withdraw a reasonable amount in one go<\/strong> rather than making lots of tiny withdrawals, and stick to ATMs attached to an actual bank branch over standalone machines. A card that reimburses ATM fees worldwide removes the fee question almost entirely, which is a large part of why digital nomads reach for one before they travel:<\/p> <blockquote>&#8220;Any and all service fees charged by any ATM worldwide get reimbursed.&#8221;<span class=\"bs-quote-who\">Nomad, on choosing a fee-reimbursing debit card<\/span><\/blockquote> <p>Georgia is a place a lot of people use as a <strong>long-stay base rather than a quick trip<\/strong>, so it is worth setting up properly: a card with no foreign transaction fee for the everyday spending, and a second card as backup in case one is declined. If you are basing yourself here for the non-resident banking angle rather than just visiting, the same reliability thinking applies to where you actually hold your money, which our guide to <a href=\"https:\/\/neobankfit.com\/blog\/real-fx-cost-earning-one-currency-spending-another\/\">the real cost of earning in one currency and spending in another<\/a> covers in full.<\/p> <h2><span class=\"ez-toc-section\" id=\"The_setup_that_keeps_Georgia_cheap\"><\/span>The setup that keeps Georgia cheap<span class=\"ez-toc-section-end\"><\/span><\/h2> <ul class=\"bs-checklist\"> <li><span class=\"bs-checklist-box\">\u2713<\/span><p>Seek out <strong>Basisbank or Cartu Bank<\/strong> first, both reported fee-free for foreign cards.<\/p><\/li> <li><span class=\"bs-checklist-box\">\u2713<\/span><p>Otherwise use <strong>TBC Bank or Bank of Georgia<\/strong>, the two low-fee majors, and check the on-screen amount.<\/p><\/li> <li><span class=\"bs-checklist-box\">\u2713<\/span><p>Avoid <strong>Halyk Bank, Terabank, Liberty Bank and ProCredit<\/strong> if a cheaper option is nearby.<\/p><\/li> <li><span class=\"bs-checklist-box\">\u2713<\/span><p>Always choose <strong>lari, not your home currency<\/strong>, and watch for a second conversion prompt.<\/p><\/li> <li><span class=\"bs-checklist-box\">\u2713<\/span><p>Withdraw a <strong>larger amount in one go<\/strong>, up to your machine&#8217;s cap, to spread any flat fee thinner.<\/p><\/li> <li><span class=\"bs-checklist-box\">\u2713<\/span><p>Carry a <strong>backup card<\/strong>, ideally a fee-reimbursing one if you are staying long-term.<\/p><\/li> <\/ul> <p>If you want the full pattern behind these moves in any country, our guide to <a href=\"https:\/\/neobankfit.com\/blog\/atm-fees-abroad-three-stacked-fees\/\">the three fees stacked on every foreign withdrawal<\/a> lays it out, and our <a href=\"https:\/\/neobankfit.com\/blog\/spain-atm-fees-foreign-card\/\">Spain<\/a> and <a href=\"https:\/\/neobankfit.com\/blog\/portugal-atm-fees-foreign-card\/\">Portugal<\/a> guides cover the same trade-off in Europe&#8217;s biggest nomad detours.<\/p> <p>Georgian machines are one half of the bill and your own account is the other, and our open table of <a href=\"https:\/\/neobankfit.com\/compare\/atm-fees\">what each account charges on a foreign withdrawal<\/a> sets that half out plan by plan, monthly fee included.<\/p> <h2><span class=\"ez-toc-section\" id=\"FAQ\"><\/span>FAQ<span class=\"ez-toc-section-end\"><\/span><\/h2><div class=\"bs-faq\"><details><summary>How much do ATMs in Georgia charge foreign cards?<span class=\"bs-faq-pm\"><span class=\"plus\">+<\/span><span class=\"minus\">\u2013<\/span><\/span><\/summary><p class=\"bs-faq-a\">Usually a small access fee. TBC Bank tends to sit around 1 to 2 lari and Bank of Georgia around 1 to 3 lari. Basisbank and Cartu Bank are the two most often reported as fee-free. A handful of other banks, including Halyk Bank, Terabank, Liberty Bank and ProCredit, are reported to charge more, in some cases close to 4 percent of the withdrawal.<\/p><\/details><details><summary>Which Georgian banks are cheapest for foreign cards?<span class=\"bs-faq-pm\"><span class=\"plus\">+<\/span><span class=\"minus\">\u2013<\/span><\/span><\/summary><p class=\"bs-faq-a\">Basisbank and Cartu Bank are the two most commonly reported as fee-free. TBC Bank is generally the more economical of the two big everyday networks, with Bank of Georgia close behind. Fees change and are shown on screen, so check before confirming.<\/p><\/details><details><summary>Should I choose lari or my home currency at a Georgian ATM?<span class=\"bs-faq-pm\"><span class=\"plus\">+<\/span><span class=\"minus\">\u2013<\/span><\/span><\/summary><p class=\"bs-faq-a\">Always choose lari, or &#8220;without conversion&#8221;. Both TBC and Bank of Georgia push dynamic currency conversion, and accepting it applies a marked-up rate that costs far more than the small access fee.<\/p><\/details><details><summary>Is there a withdrawal limit in Georgia?<span class=\"bs-faq-pm\"><span class=\"plus\">+<\/span><span class=\"minus\">\u2013<\/span><\/span><\/summary><p class=\"bs-faq-a\">ATM fee trackers report Georgian machines capping a single withdrawal somewhere between 200 and 3,000 lari, most often around 500 to 2,000. The exact cap depends on the machine, so treat it as the common range rather than a rule. Because the access fee is flat, withdrawing near the machine&#8217;s cap in one go makes the fee a smaller percentage of the total.<\/p><\/details><details><summary>Can I withdraw US dollars fee-free in Georgia?<span class=\"bs-faq-pm\"><span class=\"plus\">+<\/span><span class=\"minus\">\u2013<\/span><\/span><\/summary><p class=\"bs-faq-a\">ATM fee trackers do not report any Georgian bank offering fee-free withdrawals in US dollars specifically, even the ones that are fee-free in lari. Withdrawing in local lari remains the cheaper route.<\/p><\/details><details><summary>Is Georgia a good base for non-residents?<span class=\"bs-faq-pm\"><span class=\"plus\">+<\/span><span class=\"minus\">\u2013<\/span><\/span><\/summary><p class=\"bs-faq-a\">It is a popular one, which is why it is worth setting up your banking deliberately: a no-foreign-fee card for spending, a backup card, and a clear plan for where you hold and convert your money rather than relying on a single account.<\/p><\/details><\/div><hr \/> <p><em>Written by Daniel Hart, who covers neobanks, account freezes and cross-border banking for neobankfit. Based on provider fee documentation, ATM fee trackers and first-hand traveller accounts.<\/em><\/p> <p><em>This article is general information, not legal or financial advice. Fees and terms change and depend on your country, account and provider entity. For your situation, check current pricing pages and consider a qualified adviser.<\/em><\/p><\/div><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"How much do ATMs in Georgia charge foreign cards?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Usually a small access fee. TBC Bank tends to sit around 1 to 2 lari and Bank of Georgia around 1 to 3 lari. Basisbank and Cartu Bank are the two most often reported as fee-free. A handful of other banks, including Halyk Bank, Terabank, Liberty Bank and ProCredit, are reported to charge more, in some cases close to 4 percent of the withdrawal.\"}}, {\"@type\": \"Question\", \"name\": \"Which Georgian banks are cheapest for foreign cards?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Basisbank and Cartu Bank are the two most commonly reported as fee-free. 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