After Rico Express became a microfinance organization, it soon created an innovative product called the Golden Bond.
“Golden Bond” is a security that an individual or legal entity can purchase. Due to its benefits, the product is still special in the financial market. It stands out from similar products by its high integrity. 

Terms and conditions
 

The Golden Bond in the national currency can be opened, if the deposited amount exceeds 100,000 GEL.
The Golden Bond can be opened in USD and EUR, if the equivalent of the deposited amount in GEL exceeds GEL 100,000.
It is also possible to open the Golden Bond, if the amount of available and deposited amounts exceeds the equivalent of 100,000 GEL.

In case of a closed bond, the owner receives only the interest, and the principal amount remains unchanged during the term.
Receiving profit is possible both by cash and noncash payment (on the bank account with Liberty Bank or TBC Bank). 
The received interest is taxed at the rate of 5% income tax. 

The profit of the bond with the right to withdraw at any time is:

GEL-flag GEL
3-month term - Annual rate: 8% 3-month term - Effective rate: 8.3%
USD-flag USD
12-month term - Annual rate: 3% 12-month term - Effective rate: 3%

The profit in case of a locked bond is:

GEL-flag GEL
12-month term - Annual rate: 11% 12-month term - Effective rate: 11.6%
USD-flag USD
12-month term - Annual rate: 7% 12-month term - Effective rate: 7.2%
EUR-flag EUR
12-month term - Annual rate: 3.5% 12-month term - Effective rate: 3.5%
GEL-flag GEL
2-3-6-month term - Annual rate: 10% 2-3-6-month term - Effective rate: 10.47%
USD-flag USD
2-3-6-month term - Annual rate: 6% 2-3-6-month term - Effective rate: 6.17%

In case of a closed bond, the owner receives only the interest, and the principal amount remains unchanged during the term.
Receiving profit is possible both by cash and noncash payment (on the bank account with Liberty Bank or TBC Bank). 
The received interest is taxed at the rate of 5% income tax. 

Currency calculator

Convert amount using the current exchange rate
1 USD = 2.67 GEL

EXCHANGE RATES

OVERLAP ON THE BEST TERMS
Unit BUY SELL
USD USD
Unit 1
BUY 2.5950
SELL 2.5990
EUR EUR
Unit 1
BUY 2.8970
SELL 2.9070
USD-EUR USD-EUR
Unit 1
BUY 1.1147
SELL 1.1202
RUB RUB
Unit 100
BUY 3.0100
SELL 3.1100
TRY TRY
Unit 1
BUY 0.0500
SELL 0.0530
GBP GBP
Unit 1
BUY 3.4450
SELL 3.4650
CHF CHF
Unit 1
BUY 3.0970
SELL 3.1370
CAD CAD
Unit 1
BUY 1.7900
SELL 1.8600
AED AED
Unit 1
BUY 0.6530
SELL 0.7130
AMD AMD
Unit 1000
BUY 6.8000
SELL 7.1000
AZN AZN
Unit 1
BUY 1.4280
SELL 1.5280
PLN PLN
Unit 10
BUY 5.9900
SELL 6.5900
CNY CNY
Unit 1
BUY 0.3740
SELL 0.4050