Frequently asked questions

Get the answers to the most frequently asked questions

All about pension

What types of pension do exist?


Age pension

Pension for losing the bread-winner 

Soldier’s pension

Pension for disabled persons

I am of retirement age, how do I get a pension?


A citizen of Georgia, a man - 65 years old and a woman - 60 years old, should apply to any territorial body of the Social Service Agency for a state pension based on age. If the application for pension is submitted to the Agency during the month of entitlement to the pension or after the occurrence of this basis (after the turning the retirement age), the pension is granted from the first day of the month following the month of submission of the application and all necessary documents. If the application, together with all the necessary documents is submitted not more than 10 calendar days before the right to retire  has been entitled (before reaching retirement age), the pension is granted from the first day of the month following the month of entitlement to the pension. Details

Based on the information provided by the Social Agency, Liberty Bank will automatically open a Social Account from the 14th day of the current month and a bank card will be prepared on which your pension will be transferred. Contact any Liberty service center to pick up the card.

Terms of pension card and PIN code


The term of the pension card is 6 years, the term of the card is marked on the card itself under the 16-digit number.

The term of the pension card PIN code is 1 year (PIN code can be renewed in case of the pensioner's visit to any service center of Liberty Bank).

Due to the current situation occurred in the country, in order to prevent the spread of the virus, the validity of the social cards, which expire in February, March, April or May 2020, has been automatically extended for 3 months. The validity of the basic social cards, whose PIN code has already expired from 01.01.2020 or expires on May 31, has been automatically extended until July 1, 2020.

When is the pension transferred?

The pension is transferred on the 14th day of each month, however, due to the current situation in the country, in order to prevent the Covid-19 virus, Liberty Bank paid the age pension for April and May 2020 with its own resources in advance.

Receiving a pension with a power of attorney / additional card


An additional card will be prepared for a third person if the pensioner and the third person file the one-time application at the Liberty Service Center together.

By submitting the relevant power of attorney to the service center by a third person, an additional card will be prepared for the trustee, with which he / she will be able to withdraw the pension.

Terms of the supplementary card prepared on the basis of a power of attorney

The term of the supplementary card as well as the power of attorney on pension is 1 year. 

Extension of the terms of social (pension) card and PIN code


Due to the current situation occurred in the country, in order to prevent the spread of the virus, the validity of the basic social cards, which expire in February, March, April or May 2020, has been automatically extended for 3 months. The validity of the basic social cards, whose PIN code has already expired from 01.01.2020 or expires on May 31, has been automatically extended until July 1, 2020. 

In case you already use supplementary card prepared on the basis of a power of attorney, which has expired:


The term of the supplementary card made on the basis of the power of attorney was not automatically extended.

Expired supplementary card prepared on the basis of a power of attorney can be restored in Liberty Bank service centers, in case of submitting a power of attorney with new terms. 

Given the situation in the country, for the safety of consumers and to avoid them gathering in public places, it is possible for a Liberty cashier operator to come home to assist you to write an application to recover an expired supplementary card. Within 3 working days of applying, the trustee will be able to take his/her new card from Liberty Service Center. Or, if desired, the cashier operator will help you to activate the pensioner's basic card delivery service and bring you both the basic card and supplementary pension at home during the scheduled visit. To receive this service, please contact us at the Remote Service Center at: 2 55 55 00

Services of a visiting cashier operator


If the pensioner is unable to come to the branch / service center to receive a pension due to a serious health condition, any third party can contact us at the Remote Service Center: 2 55 55 00, or visit the nearest service center and make a relevant statement.  Based on this statement, the pensioner will receive the services of a visiting cashier or a home delivery service.

The visiting cashier operator will bring your pension home within 8-10 working days after it is credited (14th of each month)

May pension in advance

April and May pensions credited in advance by the bank

On April 27, Liberty Bank once again, with its own resources, allocated GEL 100 million and pre-credited the April pensions of our fellow citizens, people aged 70 and over in the most risky group. The goal of this program is to avoid the older generation visiting the crowded places and to be able to follow the safety and distance rules recommended by the center for disease control as much as possible.

As for the pensioners aged 60 to 70, with the support of the Government of Georgia, their pensions were also credited in advance, on May 7. The credited amount is available instantly when paying by card, and to see the withdrawal schedule please visit:


Who are involved in the May pension advance crediting program?


The May pension is pre-accrued to all pension recipients who are entitled to an old-age pension. Other types of pension recipients, whose pension amount is from 45 to 300 GEL, can use the service "Pension before crediting" or receive a pension as usual – on the 14th of each month.

When will I be able to use the pre-credited age pension?


When paying by card, for pensioners aged 60+, the May pension is now available at any merchant and pharmacy, wherever card payment can be made. And, cash disbursement of pensions in ATMs and service centers, will be possible only with a pre-determined schedule by the bank.

You can see the cash withdrawal schedule on the website: To view the date, enter an 11-digit personal number on the web page. Or call 032 208 from mobile and from 208 city number.

What should I do if I do not want to receive my May pension in advance?


The May pension to 60+ has been credited to your own account, so you can dispose it at your own discretion. Depositing or withdrawing money from your own pension account is free.

What is a 'pension before crediting?


Pension before crediting is a service of Liberty Bank, which, if necessary, provides for the receipt of one month's pension in advance, from the 1st to the 13th of each month.

'Pension before enrollment' foresees a symbolic, one-time payment, which ranges from 15 to 80 tetri, depending on the date and amount of withdrawal.

Has the May pension been fully credited under the pre-crediting pensions program?


Yes, the May pension has been credited to you fully.

Is there any commission provided for pre-credited April and May pensions?


No, the April and May pensions are pre-credited for the safety of the older generation, at the initiative of Liberty, and the benefit of the pension under this program is free.

Were the April and May pensions pre-credited to former servicemen, people who have lost breadwinners and people with disabilities?


No, the April and May pre-credited pension applies only to age pensioners.


When will the visiting cashier deliver it to me home?


If you already have been allocated a visiting cashier, within 10 calendar days from 27 April.

If a pensioner made a request for home service today, will they be able to claim a pre-credited pension within these 10 days?


A pensioner who will now show a desire to be served at home will be served by a visiting cashier within 8 working days from 14 May.

When will I receive the SMS?


You will receive an information message on the date of enrollment of the pension and its cash withdrawal on your mobile phone when the advance pension is credited to your account. You can use the transferred amount instantly when paying by card, and on the date specified in the SMS you will also be able to withdraw your pension in cash from an ATM or service center. You can also check the date at any time at


Frequently Asked Questions on pension before crediting

What does the service "Pension before crediting" provide?


"Pension before crediting" is a product created by Liberty Bank to improve and simplify customer service, which allows customers to receive their pension in advance from the 1st to the 13th of each month before crediting the pension amount.

How much is the "Pension before crediting" service fee?


The pension before crediting includes a symbolic fee, which is defined as a one-time fee of 15 to 80 tetri.

Who can use the "Pension before crediting" service?


From the program "Pension before crediting" can benefit a person receiving a state pension, whose monthly pension is from 45 to 300 GEL.

Is it possible to activate the "pension before crediting" taking into account other social benefits?


"Pension before crediting" refers only to the service of receiving a state pension and other social benefits in advance. These services are not available to IDPs and recipients of social benefits.

Where is it possible to get the "Pension before crediting" service?


Bank branches / service centers, bank mobile service units and ATMs.

When is it possible to use the "Pension before crediting" service?


The "Pension before crediting" service can be obtained only before the crediting of the pension, including the 1st to the 13th of each month. It is not possible to use the product in other days.

it possible to activate the "pension before crediting" for less than the amount of the pension?


The "Pension before crediting" service provides for a one-month and full activation of the pension amount for the customer in advance. If you activate the 'Pension before crediting” service through the ATM, it is possible to partially withdraw the received amount and leave the part on the card, as only 5 multiple notes will be received from the ATM. The remaining amount (for example 4.2 GEL) can be withdrawn with the help of the service center operator, or leave it on your account and use the card payment in stores and pharmacies.

Is it possible to repay the "pension before crediting" earlier?


No, early repayment is not possible.

What documents are required to use the product "Pension before crediting"?


When activating in the bank branch / service center - ID card and basic social bank card;

When activating from ATMs – basic social bank card and PIN Code. 

Is it possible to receive "pension prior to crediting" with an additional card or power of attorney?


Getting "Pension prior to crediting" is not possible on the basis of a power of attorney or additional card.

When using a pension loan / pension overdraft, is it possible to get the service “Pension prior to crediting”?


Yes, it is possible if the existing pension loan / pension overdraft is not overdue.

What could be the reason for restricting the use of the "Pension prior to crediting" service?


The customer should not have an overdue pension loan / pension overdraft; 

No collection, seizure should be existing to the accounts of the customer and no booking or overlimit should exist on the social account;

The customer must not have any credit issued by Liberty Bank, except for the following credit products: any type of overdraft, loan secured by a deposit or certificate of deposit, credit card or consumer loan;

The customer should not be registered as a guarantor on a social advance issued to another person;

Who should I contact if the "Pension prior to crediting" offer at the ATM is not active?


If there is no offer at the ATM, the customer should contact any branch / service center of the bank to find out the reason.


Social (as well as pension) card

About the card

The social account is automatically opened at Liberty Bank, on the recipient of social benefits (pension, social, refugee and demographic assistance), based on information provided by the relevant ministry. After enrolling in social benefits, you can visit any Liberty service center and get a pre-printed card in your name.
  • Social card is a standard Visa / MasterCard type of a card, which can be paid at any trade place, where payment can be made both in Georgia and abroad.

About "Child Card" (also "Food Card")


Child card / food voucher is received by families with less than 100,001 rating points registered in the database of socially vulnerable families from March 2019, where children under 16 years of age live. The family receives 1 card regardless of the number of children in the family.

On the 19th and 21st of each month (including social assistance) 30 GEL is transferred to the child's card, which is called a food voucher, the mentioned amount can be spent only in specific shops. List of stores. The remaining 20 GEL is transferred to the social account (as before) and can be used at the discretion of the owner.


Benefits and Privileges of the Social Card


Payment by social card is possible in any trade place, where it is possible to pay by card. In addition, several large-scale projects have been launched under Liberty Bank's Social Responsibility program, giving social card holders special privileges. This program also includes special prices when paying by social card in Evex clinics, Pharmadepot pharmacy network and Nikora supermarket chain:


You can use Liberty Social Card at 33 clinics of Evex at prices created especially for you. Up to 50% discount on medical services: special consultation, laboratory tests, ultrasound, X-ray, computed tomography, dentistry.




In more than 180 pharmacies of Pharmadepot, you will enjoy up to 20% discount on more than 2200 names of medicines throughout Georgia. The discount will also apply if using various daily promotions and discounts available in the Pharmadepot network.




Liberty Social Card holders will enjoy special prices for up to 350 denominations of products of daily necessities at any Nikora supermarket throughout Georgia.


Social card and online payments


It is not possible to pay online with a social card.

You can pay online with a social card on the website:, where you will be able to pay utility bills for free.


Why are online transfers restricted? For the safety of the user. However, the following services are available:


Money transfer from social account via internet / mobile banking is possible only between own accounts in Liberty Bank. 

It is possible to pay utility bills without commission from the Internet / Mobile Banking through a social account, as well as to receive various services, except of replenishing the gambling balance.

Internet / mobile banking can be used to withdraw money transfer through a social account, however sending is limited.


Pay by social card and withdraw cash up to 50 GEL


For the first time in Georgia, in the Liberty partner leading pharmacies: Aversi, PSP and Pharmadepot, it is possible to withdraw cash  in case of payment by social card for at least 5 GEL products, you can withdraw 50 GEL from the card when purchasing products: . Liberty payment terminal will serve you as an "ATM". To get this service, you need to have enough money in your card account.

Cash withdrawal up to 50 GEL is possible even for those who have already received an age pension, but according to the schedule of cannot withdraw from the service center or ATM yet


3-month grace period on loans

To whom does the grace period apply?


The grace period automatically applies to all individuals (including public benefit recipients) who enjoy unsecured and secured loans in Liberty.

Legal entities should contact a servicing credit expert / corporate banker if they need to take advantage of the grace period.


What type of loans does the grace period apply to?

  • Consumer Loans
  • Mortgages
  • Overdraft
  • Credit cards
  • Installment
  • Social loans (pension, overdraft, social advance, IDP loans)
  • Entrepreneurial loans issued to individuals
  • Gold secured loan
  • Car secured loan 

What type of loans does not the grace period apply to?


The grace period does not apply to state-subsidized projects - "Preferential Agro Credit" and "Produce in Georgia"

How can I take advantage of the grace period?

All individuals will have the grace period automatically activated. If you do not want to take advantage of the grace period, contact us via Internet / Mobile Banking, or contact us by March 25.
You can refuse using the grace period through the following channels:
  • Remote Service Center ( 032 2 55 55 00) (from 16th of March)
  • Internet Banking (from 17th March)
  • ATMs (from 17th of March)

Legal entities:

Legal entities can contact a servicing credit expert / corporate banker if they need a grace period. All terms of the legal entity grace period are individually reviewed and agreed upon.

Will the deferral affect the customer's credit history negatively?


Taking advantage of the grace period does not negatively affect your credit history.

Is the interest accrued on the loan during the grace period?


The loan interest is accrued only to the principal amount, however you will repay this amount according to the extended schedule and the amount to be paid monthly will not increase.

After the grace period, does the amount to be paid monthly increase?


No, the interest accrued during the grace period will be distributed on the extended loan schedule so as not to increase the monthly deposit.

How can I benefit from the grace period if I already have a non-standard, preferential payment schedule?


In case of using a non-standard schedule, you will have an activation period of at least 3 months. And, after June 30, you will continue to pay according to your schedule so that the amount of the monthly deposit will not increase.

If the loan is overdue before the activation of the 3-month grace period, will it be accrued a penalty or not?


No, Liberty Bank forgives customers for penalty accrued after March 13.

If I use several loans at once, does the grace period apply to all of them?


Yes, the grace period applies to all loans at the same time (if you refuse the grace period, the same principle applies to all your loans).

What is the principle of a grace period in case of an overdraft?


The interest paid on overdrafts until March 13 will be automatically postponed until June 5. Interest accrued after March 13 will be calculated on June 9. Within 27 days from this date, the customer can pay the minimum deposit provided under the terms of the overdraft.

What is the principle of the grace period in case of credit cards?


We stop accruing fines on credit cards, while the minimum deposit and interest-free conditions remain unchanged. In case of violation of payment terms, the customer will not be able to use the limit. 

Will the loan interest rate increase during or after the grace period?


No, the interest rate will not increase.

Will I be charged an advance fee if I repay the loan during the grace period?


The customer has the right to reduce the loan principal once a month, in an amount not more than the amount of the monthly payment on the loan. In this case he will not be charged the advance fee.

Doe interest accrued on the accrued interest in the deferred period?


No, interest will not accrue on your interest.

If I take advantage of the grace period and changed my mind later, is it possible to terminate the grace period early?


In case of existing of such a request, the customer should contact us on 032 255 55 00 to draw up a new payment schedule for his loan.

Remote Services

Internet/Mobile Banking


To register in Internet / Mobile Banking, it is necessary to have any active Liberty account and phone number that you indicate in the bank database.

Internet and mobile banking are free for social card holders.


Registration in Internet and mobile banking

To register in Internet / Mobile Banking, go to the link: 
Or download the Mobile Banking application:
  1. App Store:
  2. Google Play: 
Select "Register", enter 11-digit ID number, telephone number and follow the instructions 
  • It is possible to transfer money to a social / pension account through Internet Banking if you know the account number in IBAN format (22 characters)

Remote Service Center


The contact number of the Remote Service Center is:2555500
After contacting and identifying at the Remote Service Center, you can get any information about the Bank's services and products, account balance and transaction performed, etc.
Call Liberty Remote Service Center on 032 2 55 55 00, press "1" and request an answer to the desired information immediately via 𝗦𝗠𝗦.
With 𝗦𝗠𝗦 notification you will learn about: 
  1. The amount available in your account
  2. Details of account requisites
  3. Information about your loans


On the website it is possible to pay utility bills for free with the social card.

Quick payment terminals


From quick payment terminals it is possible to deposit money on the social card based on 11-digit ID number.



Liberty has one of the largest networks of ATMs and is represented by more than 570 ATMs throughout Georgia. To see the addresses of ATMs go to the link: 

The "Pension prior to crediting" service is already available at Liberty ATMs.


Cash-In | Cash-Out ATMs


Cash-In | Cash-Out ATMs allow you to not only withdraw money from an ATM, but also deposit money into the desired account and make foreign exchange transactions.
For example, convert GEL / foreign currency on your own account.

Pre-booking a visit to the bank


Book the desired time of your visit to the bank online and get banking services without queuing:


How to get cashback


When paying at any Liberty Bank terminals with any Liberty Bank VISA / MASTERCARD type of a card, including social card, you can use the highest cashback in up to 600 partner facilities. (Cashback is a cash benefit that is returned to your account instantly when you pay via Liberty terminal with a Liberty card at partner companies. Cashback% is determined by the partner companies)

How to register


To get cashback go to the link:, register in Internet or at Mobile Banking.
With Liberty Internet and Mobile Banking data (username and password) you will be able to automatically log in to the website and cashback mobile application
In order to get cashback:
  1. Select an offer 
  2. Click the “activation” button
  3. When purchasing a company product or service, pay with any Liberty card at the Liberty terminal.

Will I use cashback when paying with a social card

Yes, you will be able to use the social card when paying at the Liberty terminal in up to 600 partner facilities, except for the Nikora supermarket network, because when you make a non-cash payment with a social card in Nikora, you will automatically enjoy up to 40% discount on more than 350 products.

Change of data recorded in the bank


  • Personal data recorded in Liberty Bank: phone number, address, etc., can be changed at any service center of the bank.