Liberty Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Liberty Bank suits Georgian borrowers who want one bank for a personal loan, a purchase mortgage, a savings deposit and cards. Its personal loan runs 8.9% to 17.7% on amounts of GEL 300 to GEL 80,000, and the fixed deposit pays 8.99% to 9.92% with a GEL 100 minimum deposit and no monthly fee.
Key facts
- Best for
- Borrowing and saving in Georgia through one regulated bank.
- APR
- 8.9% to 17.7%↗
- Loan amount
- GEL 300 to GEL 80,000↗
- Term
- 3 to 48 months↗
- Arrangement fee
- 2.5% min. 40 GEL, unsecured consumer loan↗
- Credit check
- Hard↗
- Representative example
- 5,000 GEL for 12 months (unsecured consumer loan), effective rate 17.7%↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Eligibility
- Age 18 - 70 years; income from 200 GEL↗
- Origination fee (%)
- 2.5%↗
- Loan types
- Personal↗
- Legal entity
- JSC Liberty Bank↗
- Headquarters
- Georgia↗
- Founded
- 1994↗
- Support channels
- Email, Phone, Help-centre, Community↗
- Pricing model
- No annual fee
- Official website
- libertybank.ge
Savings
Mortgages
Debit cards
- Card type
- Debit↗
Facts checked September 26, 2026, 8 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Lending comes straight from the bank, so direct lender sits between you and the loan.
- The unsecured consumer loan runs 8.9% to 17.7% on GEL 300 to GEL 80,000 for 3 to 48.
- A purchase mortgage offers 7.5% to 11.8% for an APRC of 8.52% to 12.7%, up to 100% loan to value.
- The fixed deposit pays 8.99% to 9.92% on a GEL 100 minimum deposit, and the credit card has an annual fee of GEL 0.
Cons
- The origination fee of 2.5% min. 40 GEL, unsecured consumer loan adds to the cost of the unsecured consumer loan.
- The credit check is hard, which suits people with a settled file rather than a thin one.
- The fixed deposit blocks additions and withdrawals during the term, so access is limited while the fixed account runs.
Who it suits
- Borrowers in Georgia who want personal loan lending and a purchase mortgage from the same bank
- Savers who can leave money untouched for the deposit term and want a GEL 100 minimum deposit
- Households that want a debit card alongside savings and borrowing
Who should look elsewhere
- Borrowers wanting a rate below 8.9% to 17.7% on a personal loan, and card users who value rewards over a GEL 0 annual fee
- Savers who need to add or withdraw money during the term, since the deposit allows neither
- Shoppers comparing lenders across several markets, since these products sit in a single market
How Liberty Bank compares
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9.2 vs 8.7Its APR of 10.74% to 18.06% overlaps but starts higher than the 8.9% to 17.7% low point on the loan here.
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Where Liberty Bank is available
- Available
- Georgia
- Licence in Georgia
- National Bank of Georgia, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does a Liberty Bank personal loan cost?+
The unsecured consumer loan carries an APR of 8.9% to 17.7% on borrowing of GEL 300 to GEL 80,000 over 3 to 48. An origination fee of 2.5% min. 40 GEL, unsecured consumer loan is added to the cost, so the headline rate is not the whole bill. The representative example shows the effect clearly.
How long can a personal loan run?+
Terms run 3 to 48, so you can spread a small borrowing over a shorter stretch or a larger one over longer. The loan types listed are personal, and the lending comes from the bank itself rather than a broker or marketplace.
Is Liberty Bank regulated?+
The bank is supervised by the National Bank of Georgia, which is the regulator listed for the market it operates in. It lends as a direct lender, so the contract runs between you and the bank rather than an intermediary.
What does a Liberty Bank credit check involve?+
The credit check is hard, which means the application triggers a full search on your file. That suits people with a settled credit history. Borrowers with a thin file may find the check harder to pass.
What can I earn on a Liberty Bank deposit?+
The deposit pays a fixed headline rate of 8.99% to 9.92% on a GEL 100 minimum deposit. The account kind is fixed, so the rate is locked for the term rather than moving with the market. Monthly fees are GEL 0.
Can I access money in the deposit early?+
No additions or withdrawals are allowed during the term, so the money stays put until it ends. You open the deposit at a service centre or through mobile banking. Plan for the full term without needing the balance.
Does Liberty Bank offer a mortgage?+
A purchase mortgage is offered at an initial rate of 7.5% to 11.8% and an APRC of 8.52% to 12.7%, with a GEL 50 product fee. Maximum loan to value is 100%, and the stated purpose is purchase rather than remortgaging.
What do the Liberty Bank cards cost?+
The credit card has an annual fee of GEL 0 and the debit card a monthly fee of GEL 0, so both can be held without a running charge. Support runs on email, phone and help centre, which includes phone, email and a help centre.
Who can apply for a Liberty Bank loan?+
Eligibility is for adults between a minimum age and a maximum age, with income from a stated monthly figure. The amount you can borrow runs GEL 300 to GEL 80,000. Applications go through a hard credit check, so a settled file helps.
Sources
- en.wikipedia.org/wiki/Liberty_Bank_(Georgia) checked September 26, 2026
Backs: Founded
“Founded 1994 ... Liberty Bank is the successor to the state-owned "AgroMretsvBank" which was privatised in 1994 and renamed to "People's Bank of Georgia" in 2002”
- libertybank.ge/en/produqtebi/chemtvis/anabrebi-da-sertipi... checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Monthly fee, Rate type
“Adding or withdrawing funds during the deposit term - Not allowed”
- libertybank.ge/en/produqtebi/chemtvis/angarishebi-da-bara... checked September 26, 2026
Backs: Card type
“Cards and Accounts”
- utua.lv/ge-cc-liberty-credit-card-p1 checked September 26, 2026
Backs: Annual fee, Card kind, Pricing model
“With no annual service fees - Liberty Credit Card”
- libertybank.ge/en/chven-shesakheb/kompaniis-shesakheb/kon... checked September 26, 2026
Backs: Headquarters, Support channels
“HEADQUARTERS #74 Chavchavadze ave. 0162 Tbilisi, Georgia”
- libertybank.ge/en/chven-shesakheb/kompaniis-shesakheb/mma... checked September 26, 2026
Backs: Legal entity
“Mr. Murtaz Kikoria was elected as the Chairman of the Supervisory Board of JSC Liberty Bank in December 2021”
- libertybank.ge/en/momkhmarebelta-uflebebi checked September 26, 2026
Backs: Licences
- libertybank.ge/en/produqtebi/chemtvis/sesxebi/ipotekuri-s... checked September 26, 2026
Backs: APRC, Initial rate, Maximum loan to value, Product fee, Purpose
“Interest Rate (Nominal and Effective): GEL from 11.8%, effective from 12.7%; USD from 8%, effective from 9.1%; EUR from 7.5%, effective from 8.52% - Effective interest rate is calculated for: 200,000...”
- libertybank.ge/en/produqtebi/chemtvis/sesxebi/samomxmareb... checked September 26, 2026
Backs: Loan amount, APR, Credit check, Eligibility, Lender type, Loan types, Arrangement fee, Origination fee (%), Representative example, Term
“From 300 to 80,000 GEL for unsecured consumer loans”
Compiled from 9 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Funding time.