Quick answer. Sending money to Georgia in 2026 is cheap and fast. Expect 1–2% all-in through regulated services like GeraCash, Wise, Koronapay. Direct payout to TBC, BoG, Liberty typically settles same-day or within hours. Cash pickup available but adds cost.

Why The Corridor Is Cheap

Georgia's banking infrastructure is modern. Competition among Wise, GeraCash, Koronapay, and traditional operators keeps margins tight.

Right Rail For Each Use Case

Routine monthly remittance: GeraCash or Wise to Georgian bank.
Urgent (medical, emergency): GeraCash with TBC payout; hours.
Recipient without a bank: Western Union or MoneyGram cash pickup.
Large transfers (property, business): SWIFT via regulated correspondent.

Typical Costs (2026)

GeraCash: 1–2% on 500 GBP equivalent.
Wise: 0.8–1.5%.
Koronapay: 1–2.5%.
Bank SWIFT: 3–7% including correspondent fees.
Western Union / MoneyGram: 3–6%.

Verification and ID

Georgian recipient verifies via Georgian ID; diaspora sender verifies via local regulator ID. After first verification, repeat transfers to the same recipient are near-instant.

Currency Considerations

Most recipients prefer GEL. Sending USD to a Georgian bank often gets an unfavourable local conversion; sending directly as GEL via a service holding interbank FX is cheaper. GeraCash quotes the GEL arrival amount before confirm.

Diaspora Networks

Georgian diaspora in UK, EU, US, and Gulf spike volumes around Easter, New Year, September school start. Quote ahead of these windows.

Cross-Service Use

A GeraCash transfer spent on GeraHome, GeraClinic, and GeraEats within the same ecosystem keeps FX to a single step and unlocks GeraCoins.

Next Step

Open a GeraCash wallet, verify both sides, run a first transfer at your usual size. Compare arrival amount to your current service.