How does currency conversion work when paying with TBC Bank card abroad?
Based on 2 discussions with 3 participants · Last activity: 24 days ago
TL;DR
TBC Bank card purchases in foreign currency may convert through GEL even if you hold a EUR account. The exchange rate applied matches the in-app rate at the time of the transaction.
What the community said
When paying with a TBC Bank card, the exchange rate applied appears to match the rate shown in the app for transfers between accounts (e.g. GEL to EUR). Notably, even if funds are held in a EUR account, the conversion during a purchase may still route through GEL rather than debiting EUR directly.
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A common question among TBC Bank users: whether a standard (non-foreign-currency) TBC card can be used to send USD to a bank in another country. In practice, international wire transfers in foreign currency may require a dedicated currency account or a specific card type.
24 days ago TBC Bank — international USD wire transfer
Depositing a large amount of cash via a TBC Bank ATM may trigger additional verification steps or compliance checks. Users report uncertainty about whether documentation or proof of funds source is required for large cash deposits.
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