In today’s fast-paced world, managing money efficiently is not just a theoretical need – it’s a necessity and a matter of convenience. InexPay gives you access to a fully functional financial account that makes your everyday life much simpler.
In this blog, we’ll share the key advantages that have already convinced more than 20,000 users to choose our platform.
Simpler, More Efficient, Better
An InexPay account is not just a place to store your money – it is a tool that helps you manage your finances smarter in everyday life:
Make international bank and card transfers with low fees directly in the app
Send and receive money transfers with the best conditions
Exchange currencies at genuinely competitive rates
Pay utility bills and other services with zero commission
Security and Reliability
InexPay is licensed and fully regulated by the National Bank of Georgia. The highest international security and compliance standards are implemented, meaning your funds are fully protected.
Remote Account Opening
Opening an account takes just a few minutes. Simply download our easy-to-use financial app, complete registration and verification from home, and enjoy all the benefits.
Please note that for Georgian citizens and residents, the account opening process is fully remote. For foreign citizens, a one-time visit to any Inteliexpress branch is required for verification.
Cash Deposit Availability in 4 Countries
Users can deposit funds in cash, as well as from bank accounts or cards, at Inteliexpress branches in Georgia, Cyprus, Greece, and Italy.
Global Trust
InexPay is already trusted by citizens of more than 50 countries, which is both a great achievement and a serious responsibility for us.
Customer Support
InexPay offers customer support in Georgian and English. Assistance is available both remotely via official support channels and at Inteliexpress branches across Georgia.
Regulation and License
InexPay is an officially registered and licensed payment service provider by the National Bank of Georgia (№0088-2904).
All transactions are carried out in full compliance with National Bank regulations, ensuring security, reliability, and full protection of customer interests.
If sending money abroad still reminds you of high fees, delayed transfers and complicated processes, it’s time to download our simple financial app. In this blog, we’ll tell you about the convenient conditions InexPay offers for transfers to Turkey.
Why Is Turkey One of the Popular Destinations?
Many customers need to transfer money to Turkey for different reasons. For some, it is to support family members, for others to help friends, and for others business-related transfers. There are also frequent cases when money needs to be sent to a company, supplier or partner organization.
That is why it is important for the service to be fast, simple and reliable.
Transfer to Any Bank in Turkey
With InexPay, you can transfer money to any bank in Turkey. The service is available for both individuals and legal entities, making the process even more flexible and convenient.
Cash transfers can also be received at our partner locations: PTT, UPT, PayPorter, PGpara, Sender.
Funds Received in Turkish Lira
One of the most convenient advantages for transfers to Turkey is that the recipient receives the money directly in Turkish lira.
This means fewer extra steps, more convenience and a simpler process for the recipient. After receiving the funds, there is no need to think about conversion, exchange rates or fees.
Fast Processing and Low Cost
When making international transfers, the most important things for customers are speed and favorable conditions. That is why InexPay offers fast processing and low cost for transfers to Turkey.
The funds are credited to the recipient’s account instantly. You save both time and money.
Everything Without Leaving Home
You can send money directly from your phone, wherever you are. To do this, download the InexPay app, complete simple registration and verification, enter the recipient’s details and transfer money in just a few steps.
Customer Support
InexPay offers customer support in Georgian and English. Assistance is available remotely through official support channels, as well as at IntelExpress branches across Georgia.
Regulation and License
InexPay is an officially registered and licensed payment service provider by the National Bank of Georgia (№0088-2904).
All transactions are carried out in full compliance with National Bank regulations, ensuring the safety, reliability and full protection of customer interests.
From March 1, 2026, the rules for employing foreigners in Georgia have changed.
If you are living in Georgia and planning to work here – whether as an employee, freelancer, or independent contractor, these changes will directly affect you. It is important to understand what is required and how to act under the new regulations.
In this article, we will briefly and clearly explain the main changes and the key details you should pay attention to.
What was the process before?
Until now, the system in Georgia was quite flexible. Foreign nationals legally staying in the country could carry out paid work without any additional permits – no work authorization and no residence permit specifically for employment were required.
Because of this, Georgia was particularly attractive for:
freelancers
IT specialists
remote workers
independent contractors
What changes from March 1?
Under the new rules, any foreigner who wants to work in Georgia either for a local employer or independently must have:
a Work Authorization (issued by the Labour Migration Agency)
a D1 visa or a work / IT residence permit
This means that employment is now formally regulated, and working without proper authorization is no longer allowed.
Who do these changes apply to?
The new rules apply to the following categories:
Labour immigrant – a foreigner employed by a local company (on-site or remotely)
Self-employed foreigner – a person independently carrying out commercial activities (services, trade, contracting, etc.)
Local employer – a legal entity or individual entrepreneur
Service provider / contracting party – anyone entering into agreements with a self-employed foreigner
Who is exempt?
The new requirements do not apply to:
holders of permanent residence or investment residence permits
refugees and individuals with temporary or humanitarian protection
asylum seekers
individuals employed in diplomatic missions, consular offices, or international organizations
accredited foreign journalists
individuals covered by international agreements with different regulations
Where and how to obtain the permit?
For employed foreigners:
The employer publishes a vacancy on worknet.moh.gov.ge
The agency attempts to find a local candidate within 10 working days
If no suitable candidate is found, the employer submits an application on labourmigration.moh.gov.ge
The foreign employee then obtains a D1 visa or a residence permit
For self-employed foreigners:
Submit an application on labourmigration.moh.gov.ge
Complete a video interview with the agency
Obtain a D1 visa or a work residence permit
Required documents
For employees:
employment contract
copy of passport
employer’s confirmed application
For self-employed individuals:
proof of annual income/turnover or
business plan + proof of financial resources (for new activities)
Permit validity
Category
Initial validity
Renewal
Standard
6 months – 1 year
Up to 1 year per renewal (first 5 years)
IT sector
3 years
Up to 3 years per renewal
To extend the permit, an application must be submitted at least 30 calendar days before expiration.
IT sector – special conditions
Foreigners working in the IT sector may obtain an IT residence permit instead of a standard work permit.
Additionally, companies with international company status or innovative startup status may skip the job vacancy publication stage.
Transition periods
Labour immigrants registered before March 1 must obtain the required permits by January 1, 2027
Self-employed foreigners already operating before March 1 must comply by May 1, 2026
What happens in case of non-compliance?
Penalties are strict:
2,000 GEL – for working without proper authorization (applies to both the foreigner and the employer)
1,000 GEL – for failure to notify authorities about changes or termination of employment
Repeated violations result in increased fines.
Summary
The new legislation significantly changes how foreigners can work in Georgia. While the process used to be simple and less regulated, it is now more structured and controlled.
It is important to understand the requirements in advance and act accordingly to avoid legal issues and financial penalties.
Moving to Georgia can be exciting, but let’s be honest – dealing with money matters in a new country is not always simple.
If you are a Filipino living in Georgia, you probably need a practical way to manage everyday financial tasks – sending money home, exchanging currency, paying bills locally, and finding a service you can actually understand and trust.
Instead of using one service for transfers, another for exchange, and another for utility payments, InexPay gives you everything in one mobile app. It is designed to make financial tasks easier, faster, and more convenient for people living abroad.
One App for Everyday Financial Needs
InexPay is more than just a money transfer app. It helps you manage several important financial services in one place, including:
International money transfers
Bank transfers
Send to GCash in the Philippines
Card-to-card transfers
Currency exchange
Utility and other essential local payments
This means you do not need to waste time comparing different providers or visiting multiple places just to complete simple financial tasks.
Sending Money to the Philippines is Easy
For many Filipino expats in Georgia, one of the biggest priorities is sending money back home safely and conveniently.
With InexPay, you can send money to the Philippines through different available options, depending on what is most convenient for your recipient.
These options include:
Direct bank transfers
Transfers to GCash accounts
Cash pick-up through major partner networks
For bank transfers, recipients may receive money through major banks such as Metrobank, BDO, and PNB. For cash pick-up, available partner networks may include Cebuana and Palawan. This gives your family or loved ones more flexibility in how they receive funds.
A Simple Example
Let’s say Maria is working in Tbilisi and wants to send money to her family in the Philippines.
She downloads the InexPay app, registers her account, and completes verification at the nearest IntelExpress branch one time only. After that, she can send money directly from the app.
If her family wants the money in a bank account, she can send it to a partner bank. If they prefer a mobile wallet, she can choose GCash. If they want to collect cash, that option is also available through partner locations.
So instead of searching for multiple services or dealing with unclear conditions, Maria can handle everything through one app.
She also uses the same app to pay her utility bills in Georgia. For her, it means:
Less stress
Less time spent visiting different offices
More confidence that her family receives the right amount
Create your account directly in the app by entering the required personal information.
3. Complete one-time verification
To get full access to all services, you need to complete identity verification once at an IntelExpress branch in Georgia. This is a one-time step required for security and regulatory compliance.
After verification, you can manage your transactions directly from the app without needing to visit a branch again every time.
5. Send money
Choose the country, select the preferred transfer method, enter recipient details, review the amount and exchange rate, and complete the transfer.
The process is structured to be easy to follow, even if you are using the service for the first time.
Competitive Currency Exchange Rates
Another important benefit is currency exchange. With InexPay, you can convert currency at competitive rates that are:
Better than many banks
Better than microfinance exchange rates
Better than exchange booth rates
This can make a real difference when you send money regularly or need to convert funds for daily use.
Useful for Life in Georgia Too
InexPay is not only for sending money abroad. The app is also useful for daily life in Georgia because it supports utility and other essential payments. So whether you need to send money home or manage local expenses, you can do both in one place.
That makes it especially practical for expats who want one simple financial solution instead of several separate services.
Available in Filipino Language
One more important benefit for Filipino users is accessibility. The InexPay app is also available in the Filipino language, which makes the experience easier and more comfortable for users who prefer navigating financial services in their native language.
This is especially helpful during registration, checking transfer details, and using the app with more confidence.
Customer Support When You Need It
If you need help, InexPay offers customer support in Georgian and English through official support channels and IntelExpress branches.
Whether you need assistance with registration, verification, transfers, or transaction details, support is available when needed.
Regulation and Licensing
InexPay is officially registered and licensed by the National Bank of Georgia as a payment service provider (License №0088-2904).
All transactions are conducted in full compliance with the regulations of the National Bank of Georgia. This ensures service security, reliability and full protection of customer interests.
For expats living abroad, working with a licensed and regulated provider is essential. It guarantees transparency, compliance and financial protection under Georgian law.
Final Thoughts
Living abroad already comes with enough adjustments. Managing your finances should not be one of the hardest parts.
For Filipino expats in Georgia, InexPay offers a practical way to handle money transfers, currency exchange, local payments, and everyday financial needs – all in one app.
If you are looking for a simpler and more flexible way to manage your money in Georgia and support your family back home, InexPay can be a useful solution.
You might be surprised to learn that the first money transfers were not done through banks, apps, or telegraphs, but through trust and word. This all began back in the 8th century, when humanity still traveled by horse and even paper money didn’t exist.
It was during this period that a system called Hawala emerged – simple yet brilliant in concept:A person in one country would give money to an agent and ask them to deliver the same amount to their friend or family member in another country.
The money itself didn’t actually move – the agents simply trusted each other and settled their balances later.
And that’s how the history of international transfers began.
There were no banks, no apps, but there was one core value: trust. And that trust was so strong that the Hawala system functioned for centuries, from India to North Africa.
When Words Were Contracts
Hawala agents didn’t store money in safes or sign papers, their contract was their word and integrity.
Today, that might sound strange, but at the time, it was enough – money could freely move from person to person, without any banking system.
Simply put, Hawala was the first “fintech” – one that didn’t need Wi-Fi.
What Changed Almost 1300 Years Later?
Since the 8th-century Hawala, humanity has gone through many stages: telegraphs, money transfers with high fees, long queues and cash-out issues. Eventually, we reached the point where sending money or performing card and bank transfers can be done with just a few taps in the InexPay app – right from home.
You simply open the app, go through a quick registration and authorization and send international remittances via the InteliExpress system to 50+ countries or make bank and card transfers across Europe and Asia, with the best fees and conversion rates.
From Word to License – The Evolution of Trust
In the 8th century, trust meant a personal word. Today, trust means regulation, transparency and security standards that protect every user transaction.
The word-based contract has been replaced by a license, but the idea remains the same – reliability.
This means every transfer is protected by law, your funds are kept in special nominal accounts in a bank, and the system fully complies with international financial standards.
Even though we live in a digital world, pawnshop loans have long remained a “traditional, physical” process — branch visits, paper receipts, queues, and a lot of wasted time.
Now, you can repay your InteliExpress pawnshop loans directly from the InexPay app, with zero commission.
That’s why we decided to make using InteliExpress pawnshop services even easier for our customers and introduced a new feature in the app. With it, you can manage your loans without leaving home — quickly, securely, and at no extra cost.
Why connect your InteliExpress pawnshop loan with InexPay?
Beyond being extremely simple — just a few clicks — the new feature gives you flexibility and full control:
Real-time loan monitoring – instantly view your outstanding balance, pledged items, and payment history directly in the InexPay app.
Fast and easy payments – pay principal, interest, or penalties in just seconds, without visiting a branch. You can also repay your loan in full.
Save time and money – the service is available 24/7, so you can manage your loans whenever it’s most convenient for you.
How does it work?
Download the InexPay app
Complete a simple registration and verification
Connect your InteliExpress loan – only your consent is required, no additional data needed
Once your loan is connected, the Pawnshop Loans page will display:
Your active loans
Interest to be paid
Due date
Remaining principal
Available limit
For more details, click “View Details.” To proceed with a payment, click “Continue,” and a window will open where you can pay interest, penalties, or repay the loan in full.
Simply choose the account you want to pay from and confirm the transaction.
Now, you can manage all your InteliExpress pawnshop loans easily from one place.
Regulation & License
InexPay is officially registered and licensed by the National Bank of Georgia as a payment service provider (№0088-2904).
All transactions are carried out in full compliance with NBG regulations, ensuring the security, reliability, and complete protection of customer interests.
If you’re living in Georgia and you’re not from here, you’ve probably asked yourself:
How do I exchange currency easily? Where can I pay my bills without queues? How do I top up my balance or send money home?
Whether you’re from India, France, Indonesia, UK, Ukraine or anywhere in between – handling money in a new country isn’t always easy. That’s exactly why InexPay was created.
What is InexPay?
InexPay is a Georgian financial app for people who live, work or study in Georgia but aren’t Georgian citizens.
It helps you handle your daily financial tasks – quickly, affordably, and without paperwork. All you need is your smartphone.
One important note:If you don’t have Georgian documents, you can complete the verification process at any InteliExpress branch.
In fact, thousands of expats from countries like: Andorra, Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, India, Indonesia, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Monaco, Nepal, Netherlands, Norway, Pakistan, Philippines, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sri Lanka, Sweden, Switzerland, Turkey, Ukraine, United Kingdom, and Uzbekistan already trust InexPay every day.
What Can You Do with It?
With InexPay, you can:
Exchange currencies directly in the app
Top up your wallet with cash, card or bank transfer
Pay utility bills (electricity, gas, water, mobile, internet and more)
Send money abroad
Manage everything in one app, available in English
How to Top Up Your Account
You can add money to your InexPay wallet in three simple ways:
2. Bank Transfer: Send money from your Georgian bank account – commission-free
3. Card Payment: Top up instantly with your Visa or Mastercard
Why Expats Choose InexPay
Fast and real-time transactions
No hidden fees
Great exchange rates
Full English interface
One app for everything
Simple, Reliable, Stress-Free
Whether you’re in Georgia for work, study, or travel, InexPay makes your financial life easier. Download the InexPay app today and manage your money in one space. Get the app!
If you’re an Indian expat living in Georgia – whether you’re a student, employee or entrepreneur – chances are you’ve looked for a fast, secure and cost-effective way to send money back home.
InexPay makes this process easy, transparent and surprisingly affordable.
Below is your step-by-step guide to transferring money from Georgia to India using InexPay – plus a smart tip to help you save even more.
Why Use InexPay for Transfers to India
Fast and reliable international transfers
Competitive exchange rates (GEL/USD/EUR/GBP to INR)
Fully secure and regulated
100% digital – no paperwork, no queues
Transparent pricing with no hidden fees
Cash pick-up is available at over 15,000 Muthoot Finance branches across India
Cash pick-up and bank transfers can also be made to corporate accounts
Recipient identification is done via IFSC code
What You’ll Need
Before you begin, you’ll need to:
Download the InexPay app (available on iOS and Android)
Register and complete KYC
If you don’t have document issued in Georgia (ID, Passport or Residence Permit), you can complete verification at any InteliExpress branch
Top up your InexPay wallet using one of the following methods:
Bank transfer from any Georgian bank (no commission)
Visa or Mastercard payment
How to Send Money to India: Step by Step
Open the InexPay app and log in
Select “Bank Transfer” and choose “India” from the list of recipient countries.
Enter the recipient’s information:
Full name
Select recipient’s bank
IFSC code
Mobile number
Bank or card account number
Purpose of transaction (optional)
4. Choose the desired currency (GEL, USD, EUR, or GBP)
5. The app will automatically show the equivalent amount in Indian Rupees (INR)
6. Review all details and confirm the transfer
Processing time:
Cash pick-up: Instant
Bank transfer: from 10 minutes up to 1 business day
Partner Banks in India
InexPay allows transfers to leading banks in India, such as:
State Bank of India
HDFC Bank
Punjab National Bank
Union Bank of India
Axis Bank
Additionally, transfers are possible to over 50 other banks across India.
A Smarter Way to Avoid Hidden Fees
Some expats try sending money directly from their Georgian bank card to an Indian card. While this may seem convenient, it often results in:
Hidden currency conversion fees
Delays due to multiple banking systems
Higher total costs
A Better Alternative Using InexPay
Top up yourInexPay wallet for free using:
Cash at a branch
Bank transfer from your Georgian account
Send money to your Indian card or bank account viaInexPay
Lower commission fees than other services
This method reduces your overall costs, avoids hidden fees and speeds up delivery.
Limits
Cash Pick-up: max. 2,500 USD
Bank/Card Transfer: max. 10,000 USD (equivalent in INR)
If the transfer amount exceeds 50,000 INR, it will be credited only to a bank account.
Fees (USD)
Cash Pick-up
From
To
Fee (USD)
$0
$100
$3
$100
$200
$4
$200
$300
$6
$300
$400
$7
$400
$500
$8
$500
$750
$10
$750
$1,000
$15
$1,000
$1,250
$20
$1,250
$1,500
$25
$1,500
$2,500
$30
Bank Transfers
From
To
Fee (USD)
$0
$100
$3
$100
$200
$4
$200
$300
$6
$300
$400
$7
$400
$500
$8
$500
$750
$10
$750
$1,000
$15
$1,000
$1,250
$20
$1,250
$1,500
$25
$1,500
$5,000
$30
$5,000
$8,000
$45
$8,000
$10,000
$55
Regulation & License
InexPay is officially registered and licensed by the National Bank of Georgia as a payment service provider (License №0088-2904).
All transactions are carried out in full compliance with the National Bank’s regulations, ensuring the safety, reliability, and full protection of customers’ interests.
InexPay’s support team is available in both English and Georgian. You can also visit any branch if you need assistance.
Start Sending Smarter
With real-time exchange rates, low fees and fast delivery, InexPay is the most convenient and cost-effective way for Indian expats in Georgia to send money home.
When sending money abroad, the most important factors for users are the transfer fee, processing speed, and simplicity of the process.
InexPay offers transparent and exclusive rates for money transfers to Ukraine. All transfers can be completed fully online through the mobile app —quickly, securely and without hidden fees. There are several available methods for sending money to Ukraine.Let’s take a closer look:
Card Transfer to Ukraine – 0.5% Fee
Funds are transferred directly to the recipient’s Ukrainian card. The process is simple — all you need is the recipient’s card number.
Bank Transfer to Ukraine – 0.5% Fee
Funds are credited to the recipient’s bank account in the shortest time possible. The service is transparent, secure, and competitively priced.
Cash Pickup in Ukraine – 0.7% Fee
A convenient and affordable option across the country through partner banks including: PrivatBank, OschadBank, A-Bank, Accordbank, CominBank, Cominvestbank, Globus Bank, Industrial Bank, MIB, Motor Bank, UkrGasBank, UnexBank. For full details: https://inteliexpress.com/ka/georgiatoukraine/
Why Choose InexPay?
InexPay is a simple and secure financial app that allows users to complete any type of transfer — card, bank, or cash pickup — entirely online and without leaving home.
The service meets international security standards and ensures fast, reliable, and transparent transactions.
Transferring money abroad or sending a cash remittance often comes with one big question — “What is the actual commission fee?”
The exact fee is often hidden somewhere at the bottom of the page — or not mentioned at all.
At InexPay, not only do we offer the best rates for any destination — whether for card transfers, bank transfers, or money remittances — but our service is also fully transparent. You’ll always know exactly how much the commission is, what exchange rate will be used, and how long the transaction will take. In this blog, we’ll walk you through our special rates for transfers to Armenia, Turkey, Uzbekistan, and Ukraine.
Money Transfers to Armenia
Money remittances in Armenia – 0.7% commission. Cash can be withdraw instantly from any of the following partner banks: Ardshinvestbank, AmioBank, Armeconom Bank, Artsakhbank, InecoBank, Ararat Bank, UniBank, IDBank, EvokaBank. More info: https://inteliexpress.com/armeniatogeorgia/
Money Transfers to Turkey
Direct Bank Transfer – 0.8% commission. Send money to any bank in Turkey, whether to individuals or businesses. Fast processing and low fees. Money remittances in Turkey – 1% commission. Send money in the most convenient form. The recipient can collect funds instantly from the following partners:Send-R, UPT, Payporter BRQ LINK PGPARA, PTT.
Money Transfers to Uzbekistan
Card Transfer – 1% commission. Transfer funds directly to Humo and Uzcard — the most common cards in Uzbekistan. All you need is the card number.
Money Transfers to Ukraine
Card Transfer – 0.5% commission The lowest fee for sending money to Ukrainian cards.
Bank Transfer – 0.5% commission Funds are credited directly to the recipient’s bank account in the shortest time.
Money remittances – 0.7% commission Great rates and instant availability across Ukraine via partner banks: PrivatBank, OschadBank, A-Bank, Accordbank, CominBank, Cominvestbank, Globus Bank, Industrial Bank, MIB, Motor Bank, UkrGasBank, UnexBank.
