The site works in beta mode. Back to old version

Card Security Service

Protect your card from the consequences of third-party illegal use of customer cards at ATMs and POS terminals, in Georgia as well as abroad.

If you are a card security service subscriber, you will be able to recover your money in 3 days in case of an illegal/fraudulent transaction.

The bank has no obligation to refund the client/cardholder the disputed amount if the bank has a reasonable doubt that the client/cardholder has committed fraud or breached their contractual obligations related the card/card transaction either intentionally or due to gross negligence.

 

Card transaction category

Card security service refund limits (per type of service)  

Standard

Premium

Premium +

‘Services not Provided' / ‘Merchandise Not Received' or ‘Not as Described / Defective Merchandise'

500 GEL

500 GEL

500 GEL

E-Wallet fraud

200 GEL

500 GEL

500 GEL

Transactions made without a PIN on a lost/stolen card

1000 GEL

1500 GEL

3000 GEL

Service fee (annual)1,3:

5 GEL

(included in TBC Card2)

10 GEL

(included in TBC Concept Card2)

Included in the TBC Concept 360 Card price and offered to TBC Concept 360 Card holders only2

Additional terms:

  • The card security service applies to all types of credit and debit cards, new as well as the existing ones (with the exception of Business Cards).

  • Only one card security service will apply to one payment card;

  • The card security service will be effective until the card expires (max. 4 years);

  • The card security service allows for one refund a year per card within the applicable refund limit;

  • It is a one-time service and will be automatically discontinued upon the first event of third-party illegal/fraudulent use of the card, as well as upon the cancellation of the card regardless of the reason. The card security service will also terminate if there is evidence that the Cardholder acted in bad faith/committed fraud or intentional tort;

  • If a card is cancelled before its expiration date or is damaged or lost, the corresponding security service will be cancelled as well;

  • It is recommended that the cardholder applies to the Bank with a chargeback claim as soon as they notice an illegal/fraudulent transaction and/or a transaction error. However, the dispute period is 60 calendar days.

  • The card security service terms are also provided in the Agreement of Banking Transactions for Individuals.

  • 1 The amount of the fee will depend on the type of the card security service. The fee is to be paid upon the purchase of the service and each subsequent year thereafter. If the Client is the holder of a service card that covers the card security service, the card security service fee will be included in the card price;

  • 2 For TBC Card details visit the link.

  • 3 For old TBC Subscription Plan users:

    • Standard - included in the plan 5 price

    • Premium - included in the plan 10 price

    • Premium+ - included in the concept plan only.

Frequently Asked Questions