InteliExpress accepts deposits from both individuals and legal entities, offering interest earnings through short-term and long-term deposit agreements.
Investing Money
Requirements
For individuals
The minimum loan amount is 100,000 GEL or its equivalent in dollars or euros.
For legal entities
The minimum loan amount is 500 units In the corresponding currency.
Interest Withdrawal
Accrued interest can be withdrawn at your convenience—either once a month or upon expiry of the agreement. Both the interest and the principal can be received in cash or transferred to a bank account.
With the right of early withdrawal: Regardless of the deposit term, you may withdraw your funds from InteliExpress at any time by providing three days’ prior notice. For fixed-term deposits, this option becomes available one month after the deposit is made.
For On-Demand Deposits: You can reduce or increase the principal amount at any time, and receive interest monthly.
For Individuals — On-Demand Loan: In the event of a partial withdrawal, the remaining deposit balance with InteliExpress must not fall below GEL 100,000 or its equivalent in USD or EUR. If the remaining balance would fall below this threshold, the depositor must withdraw the full outstanding amount.
Interest Rates
For legal and natural persons, without the right of early withdrawal
| Due date | GEL | USD | EURO | |||
|---|---|---|---|---|---|---|
| Nominal | Effective | Nominal | Effective | Nominal | Effective | |
| Up to 3 months | 11.75% | 12.4% | 4.00% | 4.1% | 3.00% | 3.00% |
| Up to 6 months | 12.50% | 13.20% | 5.00% | 5.1% | 4.00% | 4.1% |
| Up to 9 months | 12.50% | 13.2% | 5.00% | 5.1% | 4.00% | 4.1% |
| Up to 12 months | 13.50% | 14.4% | 7.50% | 7.8% | 6.50% | 6.7% |
| Under 15 months | 13.50% | 14.4% | 7.50% | 7.8% | 6.50% | 6.7% |
| Under 18 months | 13.70% | 14.6% | 7.75% | 8.0% | 6.75% | 7.0% |
| Under 21 months | 13.70% | 14.6% | 7.75% | 8.0% | 6.75% | 7.0% |
| Up to 24 months | 14.00% | 14.9% | 8.00% | 8.3% | 7.00% | 7.2% |
For legal and natural persons with the right of early withdrawal
| Due date | GEL | USD | EURO | |||
|---|---|---|---|---|---|---|
| Nominal | Effective | Nominal | Effective | Nominal | Effective | |
| Upon request | 5.00% | 5.1% | 2.50% | 2.50% | 2.50% | 2.50% |
| Up to 3 months | 8.00% | 8.30% | 3.00% | 3.00% | 3.00% | 3.00% |
| Up to 6 months | 8.50% | 8.8% | 3.25% | 3.30% | 3.25% | 3.30% |
| Up to 9 months | 8.50% | 8.8% | 3.25% | 3.3% | 3.25% | 3.3% |
| Up to 12 months | 9.00% | 9.4% | 5.00% | 5.1% | 4.00% | 4.1% |
| Under 15 months | 9.00% | 9.4% | 5.00% | 5.1% | 4.00% | 4.1% |
| Under 18 months | 9.00% | 9.4% | 5.25% | 5.4% | 4.25% | 4.3% |
| Under 21 months | 9.00% | 9.4% | 5.25% | 5.4% | 4.25% | 4.3% |
| Up to 24 months | 9.00% | 9.4% | 5.50% | 5.6% | 4.50% | 4.6% |
If the funds are withdrawn before the contractually agreed-upon term, half of the interest will be charged.
Important Warning
If you decide to place funds with JSC Microfinance Organization InteliExpress in any form, please read the warning below carefully and take it into consideration.
1. JSC Microfinance Organization InteliExpress is not a licensed bank and, unlike banks, is subject to a less stringent regulatory and supervisory framework.
2. In the event of the company's bankruptcy, you may not be able to recover your funds.