Why are transactions on Georgian bank cards (TBC, Credo) showing as blocked or charged with a delay?
Based on 2 discussions with 3 participants · Last activity: 1 day ago
TL;DR
Delayed/blocked transactions happen with several Georgian banks (TBC, Credo, Bank of Georgia) — Apple Pay charges or transfers can sit as 'blocked' for a couple of days, and Credo Bank cards can show a sudden negative balance from hidden inactivity fees; switching to TBC is a common workaround.
What the community said
A Credo Bank card suddenly showed a -48 GEL balance when only 9 GEL remained, with the last purchase made 2 days earlier — likely a hidden inactivity fee, since the card is rarely used after switching to TBC.
1 day ago Credo Bank, -48 GEL
After getting a new Georgian bank card, several transactions stayed marked 'blocked' for days — including an Apple Pay payment from two days earlier and a Korona transfer — before finally clearing.
1 day ago blocked status 2+ days
Sber's Georgian branch has higher transfer limits than other local banks, but a transfer to a CIS card may fail on the first attempt (funds bounce back temporarily) and go through on a retry.
1 day ago Sber Georgia — higher limits