Known disadvantages: unknown requirements for opening an account (if you are not a citizen of Georgia), money will be spent for reviewing the application, online banking may not work for days, international cards only if you switch to the elite Concept tariff, incorrect display of transaction dates, etc. Lesser-known disadvantages: if you open TBC Concept, you will have a personal manager. Why do I need a personal manager?: - in order not to be able to calculate the commission when withdrawing money from a foreign ATM - to avoid answering for 2 weeks on whatsapp and by phone when needed - to offer services that the bank provides only to citizens of Georgia (when you are not a citizen) - to justify why you pay 30 GEL per month (to have an international card, not just the one that works in Georgia)

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