Currency and transfer calculator for money sent to Georgia

What this calculator compares

Money for a property in Georgia usually passes through at least one exchange: from your own currency into lari, or from lari into the dollars named in the contract. Each step has a price, and most of it sits in the exchange rate rather than in a visible fee. Enter the amount, the currency you send and the currency you need in Georgia, and the calculator shows what arrives, what the transfer costs measured against the official rate of the National Bank of Georgia, and how four routes compare for the same sum: a bank transfer, a money transfer service, a card and cash changed after you land. The steps themselves are in our guides to transferring money to Georgia and opening a bank account.

The defaults describe USD 150,000 sent by bank transfer and changed into lari at the midpoint between the lowest and highest buy rates that three Georgian banks published on the morning of 3 November 2026. Fees on your side start at zero; take them from your own tariff. Transfer services and cards also start empty, so that no single provider's price is shown as the market price.

What each field means

Amount and currency you send

The sum leaving your account abroad. The National Bank quotes the shekel, dirham and hryvnia per 10 units and the rouble and tenge per 100; the calculator divides accordingly and shows every rate for one unit.

Money needed in Georgia as

Choose dollars or euros if the contract names that currency; nothing is converted when it matches the currency sent. Choose lari for rent, fees and other local costs. A third currency sent for a dollar contract is changed into lari and then into dollars, which costs two spreads.

Official rate

Set by the National Bank of Georgia, valid on 3 November 2026. It is the yardstick, not a rate you can expect to get: banks trade at their own commercial rates. Type in a newer rate if you check on another day.

Bank rates to use

The default is the midpoint between the lowest and highest buy rates that Bank of Georgia, TBC Bank and ProCredit Bank published that morning; pick one bank to use its rate. No bank says whether its board rate also applies to a transfer converted in the account, and large sums may get better rates on request, so overwrite the percentage with your bank's offer.

Sending fee and intermediary deductions

Set by your bank and any correspondent bank in between, so they start at zero. One published example: on 3 November 2026 Barclays in the UK charged personal customers no fee for online international payments, up to 2.75% for converting the currency, and an optional £4 to £12 to cover the overseas bank's charges. Choosing to pay all charges yourself (OUR) helps the full amount arrive.

Georgian bank's fee for receiving

Zero by default. The fee schedules of Bank of Georgia, Liberty Bank, Terabank, Halyk Bank and Silk Bank that we read list no charge for receiving an international transfer. TBC Bank is reported to charge 0.1%, at least 5 and at most 20 units, on dollars, euros and pounds above 1,000; we could not confirm that from TBC's own pages, so enter it only if your bank confirms a fee.

Transfer service and card

Enter the fee and rate from your own quote on the day you send; dated examples are listed below.

Cash withdrawal fee

Optional. Some banks charge for taking transferred money out of the account in cash: Bank of Georgia 1% on dollars, euros and pounds (at least GEL 1) and 0.6% on lari; Silk Bank 0.5% on dollars and euros and 0.2% on lari for non-residents; Halyk Bank 2%, at least USD 15, for non-residents. A payment from account to account avoids it.

Assumptions

How the results are calculated

The yardstick is the amount times the official rate of the currency sent, divided by the official rate of the currency needed. For a bank transfer, your sending fee, intermediary deductions and the Georgian bank's receiving fee come off first; the rest is converted at the official rate less the bank's buy percentage, and if you need dollars or euros, the lari are converted again at the official rate plus the sell percentage. A transfer service or card takes its fees off the amount and converts the remainder at its own rate. Cash is changed at the exchange office percentage, or at the bank buy rate if that field is left at zero. The withdrawal fee is the percentage or the minimum, whichever is higher. The cost is the yardstick minus what you receive, shown in lari at the official rate and as a share of the yardstick. Amounts of 1,000 or more are rounded to whole units.

The page's own code, run by a test script, produced these figures. The yardsticks are GEL 389,595, GEL 34,814 and USD 127,685. The first case shows why a dollar price is best paid in dollars: changing the money into lari alone costs GEL 4,995, and buying dollars back for the seller would add a second spread. In the third, shekels lose about 6% when sold to a Georgian bank and buying dollars adds more; if your bank at home turns shekels into dollars for less than about 7.5% in total, sending dollars is the cheaper route.

What the rules say, and what is still open

Confirmed from the legal texts:

• A price in dollars is allowed. The lari is Georgia's only legal tender, but Article 383 of the Civil Code lets the parties set a money obligation in a foreign currency unless a law forbids it. We found no rule that forbids paying a dollar price by bank transfer from the buyer's account to the seller's or the developer's. Our guide on paying in dollars or in lari covers contract wording.
• GEL 30,000 is the border line, not a bank line. Cash, cheques and securities above GEL 30,000, or the equivalent, must be declared to customs when you enter or leave Georgia; there is no upper limit, and undeclared sums can be confiscated.
• Banks report cash above GEL 50,000. Under Financial Monitoring Service Order No 1 of 5 June 2020, banks report cash currency exchange and cash paid into a private person's account above GEL 50,000, transfers to or from high-risk jurisdictions above the same sum, and money-transfer-system remittances involving them above GEL 10,000. Any amount can be reported on suspicion, and the anti-money laundering law requires customer checks on a one-off wire transfer above GEL 3,000, so expect questions about where the money comes from.

Not confirmed, so the calculator assumes nothing about them:

• The currency in which the Public Registry records the price in the deed. We found no rule that says.
• Whether two Georgian residents may settle a sale in foreign currency. We found no specific National Bank regulation either way; ask a lawyer before relying on it.
• Tax on exchange gains when you change your own savings. We found no Tax Code rule that taxes it, or that taxes receiving your own money; an accountant should confirm this for your case.