Geo

FAQ

Transfers / Currency exchange


How make transfers in GEL?

To make a transfer in GEL, choose the type of transfer desired from the transfer menu. Start by choosing the account from which you would like to make the transfer. In the relevant fields, enter the name of the recipient, the IBAN account number, the amount of money to be transferred and the purpose of transfer.After clicking on the „Continue“ button, a window will pop up displaying all the transfer details. To confirm the transfer, enter the TAN code into the appropriate field and click on „Finish“.

The TAN code can be generated via SMS code, DigiPass, or Mobile Token.

To check the status of your transaction, go to: My Accounts > Last 30 Days Transactions.


Until what time can I make transfers in GEL and other currencies and where can I check the status of my transactions?

  • You can make transfers between your own accounts at ProCredit Bank 24 hours a day on any weekday

  • You can make transfers in GEL and transfers to state budget before 17:30 on any business day

  • You can make transfers in other currencies before 17:00 on any business dayTo check the status of your transactions, go to: My Accounts > Last 30 Days Transactions


How long does it take to credit transfers to a recipient’s account?

Transfers in GEL are credited to the recipient’s account no later than the following business day after making a transfer, while transfers in other currencies are credited within three business days.


How can I cancel a transaction?

Internal bank transfers (between ProCredit Bank accounts) may not be cancelled. Transfers to external accounts can only be cancelled if the status shown is "In Progress".

To cancel a transfer to external accounts, go to "Last 30 Days Transactions" and click on the red X next to the transfer you wish to cancel. After clicking on the button, the transfer status will change to "Cancelled".


What is an OUR currency transfer?

OUR currency transfers are guaranteed transfers. The receiver receives the full amount sent and the intermediary bank does not charge a commission. A different tariff applies to guaranteed transfers (see the "Tariffs").


What code do I need to confirm a transfer?

You need a one-time TAN code generated via DigiPass, SMS or by Mobile Token, a special mobile phone application. The type of code depends on the code activation mechanism used in Internet Banking.

Internet Banking


How can I register for Mobile Token via Internet Banking?

If you use Digipass or SMS code, you can register for Mobile Token via Internet Banking by following the instructions below:

  • Go to: My Profile>My DigiPasses>Add Mobile Token

  • Download the PCB Mobile Token application from Google Play / App Store and create a username; enter the name and the 10-digit activation code in the My Digipasses menu via Internet Banking.

  • You will receive a 4-digit PIN code at the e-mail address on record with the bank, which will be used to generate a one-time TAN code. Because of security measures, please change the 4-digit PIN code or delete the e-mail immediately after the application has been activated. To change the PIN code, please select the registered user in the application and open "Settings" menu.

Additional information and security recommendations are available at the bank's website.

If you do not use Digipass or SMS code, contact the Service Point to register for the Mobile Token service.


How can I download the mobile app?

The application is available for owners of phones with either iOS or Android operating systems. To find the application, search for “ProCredit m-Banking”.


How can I recover (reset) my Internet Banking password?

To recover your (forgotten) Internet Banking password, call the Contact Centre at *2222 or (32) 220 22 22 between 9: 00 to 22: 00. After your identity has been verified, a new password will be sent to your e-mail address or mobile phone number as an SMS (you choose the method with which to receive a password). To reset your old password, follow the instructions at: My Profile > Change Password.

Cards


What is 3D security?

The 3D code is an additional security solution for online VISA and MasterCard payments. The 3D code is used to verify online purchases with the Verified by VISA and / or MasterCard SecureCode status.

Advantages of 3D security:

  • It is an additional control mechanism, which protects the cardholder from unauthorised use when shopping online

  • A cardholder does not need special equipment and / or an application to use 3D security

  • Only the cardholder knows the 3D code

  • Only the person who knows the 3D code can verify online purchases made using a card

  • The website owner does not know your 3D code


How can I register 3D code?

After your card information is recorded when making a purchase, you will automatically be redirected to the website where you can get register for 3D security and select the type of 3D code you would like.

The following cardholder data are required for registration:

1. Date of birth - year/month/day

2. Personal number – 11-digit ID card number

3. Client number (assigned by the bank) - find this information in the upper left hand corner of the Internet Banking homepage

4. Card validity period - year/month

After entering the abovementioned information, you will be redirected to the page where you are prompted to enter the desired 3D code*.

*Your 3D code may not be a combination of easy-to-identify numbers, such as a sequence of numbers (1111, 1234) or date of birth.


How can I reset/restore my 3D code?

If you forget your 3D code or if it is blocked after it has been entered three times incorrectly or if you simply want to change your code, please call the Contact Centre at *2222 or (32) 2 20 22 22 from 09:00 to 22:00.


How can I make changes to the accounts attached to the card?

You can change both basic and additional accounts on your plastic card.

To make changes via Internet Banking, go to: Services > My Cards > Change Accounts on Plastic Car.


How can I change the withdrawal, payment and deposit limits on my card?

You can increase the daily ATM withdrawal/deposit limit via Internet Banking without going to our branch office.

  • To change the daily ATM withdrawal limit on your card, go to: Services>My Cards>Withdrawal daily limit change at ATM

  • To change the daily ATM deposit limit on your card, go to: Services>My Cards>Cash deposit daily limit change in HVD ATM

  • To change the daily POS withdrawal/payment limit on your card, go to: Services>My Cards>Cash/Payment daily limit change at POS-Terminal.


How can I block my plastic card?

There are several ways to block your plastic card:

1. Block via Internet Banking by going to Block/Unblock Plastic Cards in the submenu of My Cards; Once you have blocked/unblocked a card, you will be redirected to a page where you can check the status of the transaction. A successfully completed transaction is confirmed as Completed.

2. Block using a mobile phone by sending an SMS from the mobile phone number recorded in the bank's database to the number 2022 (SMS text: BLOCK and the last four digits of the card to be blocked / Pay Sticker, e.g. BLOCK1234).

3. Block from a landline telephone by calling the Contact Centre at *2222 or (32) 220 22 22, from 09:00 to 22:00.

4. Block with the help of a Client Adviser by visiting a branch office.

Keep in mind that unless your card is unblocked within 15 days after it has been blocked, it will be subject to closure.


How can I change my plastic card profile?

To change your card profile, go to: Services>My Cards>Change Card Profile. Specify the change desired in the relevant window:

Cards - select the card whose profile you wish to change.

Type of request - select the appropriate type of request:

  • СVV2/СVC2 code activation/ deactivate

  • FALLBACK activation/ deactivate

  • Internet purchasing activation/ deactivate


What is CVV2/CVC2?

CVV2 / CVC2 (Card Verification Code) is a 3-digit number on the back of the card (the last three digits in the signature box). The Card Verification Code is a security tool used for verification purposes when shopping online.


What is fallback?

Fallback is a feature that is used to deactivate a card's protection mechanisms. If this feature is activated, POS terminal transactions are only possible by manually entering a card number, i,e, the plastic card is not physically placed into the POS terminal. The fallback feature also deactivates the CVV2 / CVC2 codes. The changed card profile is only valid only for a 24-hour period after which the card automatically reverts to the profile as it was before the changes were made.

Accounts


How can I open a Flex Save savings deposit?

  • To open a Flex Save savings deposit, got to: My Accounts > Open Flex Save. Fill in the required fields in the window that pops up:

  • Currency - choose the desired currency (GEL / USD / EUR);

  • Type of Deposit - Flex Save savings deposit (automatically filled out);

  • Interest payment method - choose "Interest Accrued on Current Account";

  • Deposit's maturity - perpetual (automatically filled out);

  • Start date - the current date will automatically be entered;

  • Amount - deposit amount (deposit can be opened with a balance of zero);

  • Annual interest rate – the box will automatically be filled out;

  • Effective interest rate – the box will automatically be checked;

  • Account, from which the amount will be placed on the deposit's account - select the current account;

  • Account, on which the interest will be placed - select the current account to which the monthly interest rate will be paid;

  • How did you find out about the deposit? – select the relevant source of information;

  • After filling out the fields, click on „Continue“ and then „Finish“.

  • The Savings Deposit Agreement will open on the screen. Read the terms and conditions of the Agreement and if you agree, check the relevant box in the lower left hand corner or click on the "I Don’t Agree" button if you do not agree.

  • If the process of opening the savings deposit is successful, a notice will appear on the screen saying: “Your request has been registered”.

  • Please note that the Flex Save savings deposit can be opened via Internet Banking by private clients only. Legal entities can open the deposit at a Service Point.


How can I open a term deposit?

  • Before opening a term deposit, please keep in mind that a current account in the currency of the term deposit is required.

  • To open a term deposit, select Open Term Deposit from the submenu of My Accounts and fill out the required fields in the opened window:

  • Currency - choose the desired currency (GEL / USD / EUR);

  • Type of Deposit – choose the desired deposit;

  • Deposit's maturity – choose the desired term;

  • Start date - the current date will automatically be entered;

  • End date – the box will automatically be filled out;

  • Amount - enter the deposit amount;

  • Annual interest rate – the box will automatically be filled out;

  • Effective interest rate – the box will automatically be checked;

  • Prolongation – the box will automatically be checked, which means that after the expiration of the term, the deposit will automatically be extended for the same term, in the same amount and at the interest rate applied when the deposit was opened. If you do not want to continue your deposit automatically, you must uncheck this box manually;

  • Account, from which the amount will be placed on the deposit's account - select the current account;

  • Account, on which the interest will be placed - select the current account to which the monthly interest rate will be paid;

  • Account, on which the deposit's amount will be placed at maturity - select the current account

  • How did you find out about the deposit? – select the relevant source of information;

  • The Term Deposit Agreement will open on the screen. Read the terms and conditions of the Agreement and if you agree, check the relevant box in the lower left hand corner or click on the "I Don’t Agree" button if you do not agree.

  • The Term Deposit Agreement will open on the screen. Read the terms and conditions of the Agreement and if you agree, check the relevant box in the lower left hand corner or click on the "I Don’t Agree" button if you do not agree. Please note that a term deposit can be opened via Internet Banking by private clients only. Legal entities can open a term deposit at a Service Point.


Activation of dormant accounts

An account becomes dormant if there is no activity on the account for a period of 6 months. To activate a dormant account, send the bank a message requesting the change in status via Internet Banking. If all your accounts are dormant, visit any Service Point to activate them.


How can I close an account?

To close your account(s), go to: My Profile > Notices > Send Notice to the Bank. Select "Close Accounts" as the subject and type your request in the text field. Please keep in mind that it is necessary to specify the number, type and currency of the account you wish to close. If you would only like to close one of your accounts to which your plastic card is attached, remove the account from the card FIRST. To do this, go to: Services > My Cards > Change Accounts on Plastic Card > Change Additional Account on Card and uncheck the account to be closed.


Where can I find my bank details?

To view your bank details, go to the relevant account, click on the > button and select Account Details. In the upper right hand corner of the opened window, you can view / print your bank details.


Where can I find information about my bank statement and recent transactions?​​​​​​​

To get a bank statement, go to: My Accounts > Statement or Transactions in the Last 30 Days. After selecting "Statement", a window will pop up where you can select the account for which you wish to receive a statement as well as the time period you wish to view. After clicking on "View", the corresponding statement will open.

If you click on "Transactions in the Last 30 Days", a list of the transactions carried out in the last 30 days will be generated.

Others


Where can I find my client number?

You can find your client number on the homepage in the upper left hand corner below your name.


Where can I find information about the telephone PIN code?

You can find your telephone PIN code on the homepage in the upper right corner next to your client number.


How can I send a notice to the bank?

You can send a notice to the bank by clicking on the "Send Notice to the Bank" button on the homepage in the upper right hand corner. Choose the subject of the notice from the window that pops up on the screen. Type the text in your preferred language (Georgian / English) and click on the "Send" button.


Until what time on each day are our published exchange rates valid?​​​​​​​

Daily exchange rates are valid Monday through Friday until 17:30.