Services and products

“If someone knows my IBAN, can they access my account?” – This is a common question when receiving money from abroad or making a bank transfer.

In reality, sharing your IBAN does not, by itself, give someone access to your bank account. An IBAN is a bank account identifier that is primarily used to ensure that funds are transferred to the correct account.

What Is an IBAN?

IBAN (International Bank Account Number) is an internationally standardized bank account number used to identify a specific bank account.

When making an international transfer, providing an IBAN allows the sender or financial service provider to know which account the money should be transferred to.

So, if someone needs to send money to your account, providing your IBAN is exactly what it is designed for.

What Can Someone Do With Only Your IBAN?

Knowing your IBAN alone generally does not allow someone to:

• Access your online or mobile banking;
• See your account balance or transaction history;
• Make transfers on your behalf;
• Use your bank card.

Other types of authorization and security information are required for these actions.

However, an IBAN is still banking information, so it is best to share it only with trusted individuals or organizations that genuinely need it to make a payment to your account.

An IBAN and Bank Card Details Are Not the Same Thing

IBANs are often confused with bank card details, but they serve different purposes.

An IBAN is used to identify a bank account and facilitate transfers to it, while card details are used for payments and other transactions involving a specific bank card.

So, if someone only asks for your IBAN to transfer money to your account, that does not mean you need to provide your card details as well.

Which Details Should You Never Share?

While sharing your IBAN may be necessary to receive a transfer, you should be particularly careful with other banking information.

Never share:

• Your online or mobile banking password;
• One-time SMS or app verification codes;
• Your card PIN;
• Your card CVV/CVC code;
• Other online banking login or authorization details.

If someone asks you for this information, especially claiming that it is necessary to transfer money to you, make sure to verify that the request is legitimate.

Why Do You Need an IBAN for International Transfers?

When making international bank transfers, the recipient’s banking details are required to ensure that the money reaches the correct account. The IBAN is one of the key pieces of information used for this purpose.

When making international financial transactions through InexPay, users may need the recipient’s banking details to ensure that the funds are sent to the correct account.

Therefore, when a family member, friend, or another recipient asks you to send money to their bank account, it is important to know which details are actually required and which are not.

In Short: Sharing Your IBAN Does Not Mean Sharing Access to Your Account

The main purpose of an IBAN is simple – to identify where the money should be transferred.

Knowing your IBAN is not the same as knowing your online banking password or card security details. However, as with any financial information, caution is still important – share your IBAN only with the relevant person or a trusted service, and never share your banking authorization details.

Summer is the season for getting out of the city, traveling, and taking a break. Some people head to the seaside, others to the mountains, while some simply leave the city for a few weeks. But wherever we are, financial matters still need to be taken care of.

Payments, sending money, transferring funds to family members, or keeping track of everyday expenses – these are all things we need to manage while traveling too. The good news is that you no longer need to return to the city to take care of your finances.

Financial Services Wherever You Are

Modern digital services allow us to manage many financial operations remotely. This is especially convenient during the summer, when we spend most of our time away from home, the office, and the city.

InexPay is designed to simplify these everyday needs – allowing you to manage your financial operations from one simple financial app, even when you are away from the city.

What Services Can You Use with InexPay?

InexPay allows you to manage important financial operations from a single app.

• Send international money transfers – send money to family and friends in different countries;
• Receive money transfers – receive international transfers directly through the app;
• Currency conversion – manage your funds in different currencies;
• Pay utility bills and other expenses – access essential services from one digital space.

A Simple Financial App

While you travel, you can continue managing your finances as usual – quickly, easily, and without having to return home, using the InexPay mobile app.

Download InexPay and complete the simple registration and verification process.

At InexPay, we’re constantly working to make financial transactions as simple and convenient as possible. That’s why you can top up your wallet directly from your online banking account using the details provided in the InexPay app.

The process only takes a few simple steps, but it’s important to follow each one carefully to ensure your funds are credited to your account without delays.

In this guide, we’ll walk you through the entire process of topping up your InexPay Wallet via online banking.

Step 1 – Open the Top Up Page

Log in to the InexPay app and select Transfers from the bottom menu.

Then open the Top Up page, where you’ll find all available wallet funding methods.

Step 2 – Select Top Up via Online Banking (Free)

From the available top-up methods, choose Top Up via Online Banking (Free).

This option allows you to transfer funds directly from your bank account to your InexPay Wallet without any additional steps.

Step 3 – Choose Your Bank

Next, the app will display the list of supported banks.

Select your bank:

• TBC Bank
• Bank of Georgia

Once you select your bank, InexPay will automatically display all the payment details required for the transfer.

Step 4 – Copy the Transfer Details

After selecting your bank, you’ll see all the information you need to complete the transfer:

• Recipient’s account number (IBAN)
• Recipient’s name
• Payment Details (Transfer Reference)

Use these details when creating a new bank transfer in your online banking platform.

To avoid typing errors, we recommend copying the information directly from the InexPay app.

Step 5 – Complete the Transfer in Your Online Banking

Log in to your online banking account and create a new bank transfer.

Fill in the required fields using the information provided in the InexPay app:

• Recipient’s account number
• Recipient’s name
• Transfer amount

Make sure every detail matches exactly what is displayed in the InexPay app.

Make Sure to Enter the Payment Details Correctly

This is the most important step of the process.

When completing the transfer, you’ll find a field called Payment Details, although the exact field name may vary depending on your bank.

You must paste the exact text generated by the InexPay app into this field.

In most cases, this text contains your unique account identifier, allowing the system to automatically recognize which InexPay Wallet should receive the funds.

If this information is missing or entered incorrectly, your transfer may not be credited automatically and could require additional verification.

Example – TBC Bank

If you’re transferring funds from TBC Bank online banking, fill in all recipient details exactly as shown in the InexPay app.

Pay special attention to the Payment Details field and paste the generated reference exactly as provided, without making any changes.

Example – Bank of Georgia

If you’re using Bank of Georgia online banking, the process is exactly the same.

Enter the recipient information provided by InexPay and make sure to copy the Payment Details into the appropriate reference field.

What Should You Double-Check?

Before confirming the transfer, make sure that:

• The recipient’s account number has been copied correctly.
• The recipient’s name matches the information displayed in InexPay.
• The Payment Details have been entered exactly as provided.
• All required fields have been completed.

Taking a moment to verify these details will help prevent delays and ensure your funds are credited to your wallet as quickly as possible.

Top Up Your InexPay Wallet with Ease

With just a few simple steps, you can securely transfer funds to your InexPay Wallet directly from your online banking account.

Entering the payment details correctly ensures that your transfer is automatically matched to your wallet, making the process fast, secure, and hassle-free.

Simply follow the instructions above, and your balance will be topped up in no time.

Maligayang Araw ng Kalayaan! 🇵🇭 

128 years of freedom, pride, and resilience – the Philippine Independence Day is more than a national holiday. It’s a celebration of everything that makes the Filipino spirit extraordinary: family, community, and the strength to build a better life no matter where in the world you are. This year, InteliExpress in partnership with InexPay was proud to be part of that celebration.

To make the holiday celebrations even brighter for the community, InteliExpress offered a special holiday exchange rate of 23.00 PHP / GEL from June 12 to June 14, helping our users keep the festive spirit alive and support their families back home with the best value in town.

Our team was thrilled to co-host and sponsor the massive Philippine Independence Day celebration in Italy, which brought together Filipinos from all across the country.

A Perfect Blend of Official Ceremony and Festive Fun

The event was a beautiful mix of formal tradition and informal joy. The formal part gave us a wonderful opportunity to officially introduce InteliExpress and InexPay services, share information about our convenient office locations, competitive fees and seamless money transfer options.

A special thank to every single person who visited our booth during the event. InteliExpress and InexPay are always happy to be closer to the vibrant communities we serve.

Beyond the official agenda, the atmosphere turned into a lively, informal celebration. Our guests thoroughly enjoyed the festive activities, connected with one another, and shared smiles, laughter, and high spirits throughout the day.

Seamless Digital Transfers with InexPay

The highlights of the day weren’t just the celebrations, but also the real-time financial empowerment we brought to the community. Many attendees took the opportunity to register on our simple financial app, InexPay, right at the event. They tested out the money transfer features on the spot and expressed immense satisfaction with how fast, easy, and reliable the digital experience is.

Want to experience the same comfort? If you also need to send money back home, InteliExpress and InexPay have got you covered with unmatched rates. For bank transfers to the Philippines of up to 5,000 GEL, the transfer fee is only €1!

How to Send Money

You can easily access this service and send money to your loved ones in two convenient ways:

• In-Branch: Find and visit your nearest InteliExpress branch.
• Fully Online via InexPay: Enjoy the comfort of managing your transfers from home using the InexPay mobile app. To get started, all it takes is a quick, one-time visit to an InteliExpress branch for account verification, and you’re set for all your future remote transfers!

Keep supporting your family back home with ease. Find your nearest branch or download the InexPay app to get started today!

Join Our WhatsApp Community & Stay Tuned! 

This celebration is just the beginning. We enjoyed this event so much that we are already planning more community gatherings, exclusive features, and special financial offers tailored just for you.

To make sure you are always the first to know about our upcoming events, latest rates, and surprises, join our official WhatsApp Community. Let’s stay connected and build a stronger community together!

Join Our WhatsApp Community

If you are planning to transfer money to Canada, don’t bother looking for an IBAN, because it isn’t used there at all! Unlike European standards, the Canadian financial system operates under its own rules, which often confuses many users.

However, with the user-friendly InexPay financial app, solving this “puzzle” is simple. You don’t need to navigate the labyrinths of banking systems; the funds will be credited directly to the recipient’s account in Canadian Dollars (CAD).

What Information You Will Need

To complete the transfer, you only need the following basic details:

• First and Last Name
• Citizenship
• Account Number
• Bank Name
• Routing Number

This information is fully sufficient for the transaction to be processed accurately and securely.

Why InexPay?

InexPay gives you the opportunity to send money to Canada easily, quickly, and at truly the best exchange rates. The app is designed to make international transfers accessible and uncomplicated-without unnecessary bureaucracy.

Download InexPay and send funds through the trusted InteliExpress system – smoothly, quickly, and conveniently.

Customer Support

InexPay offers customer support in both Georgian and English. You can receive assistance remotely through official support channels, as well as in-person at InteliExpress branches across Georgia.

Regulation and Licensing

InexPay is a payment service provider officially registered and licensed by the National Bank of Georgia (No. 0088-2904).

All transactions are carried out in full compliance with the National Bank’s regulations, ensuring the safety, reliability, and complete protection of our customers’ interests.

You can verify the license in the official registry here: https://nbg.gov.ge/payment-system/providers

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.

You can verify the license in the official registry: https://nbg.gov.ge/payment-system/providers

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?

1. Download the InexPay app
2. Complete a simple registration and verification
3. Connect your InteliExpress loan – only your consent is required, no additional data needed

1. 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.

You can verify the license in the official registry: nbg.gov.ge/payment-system/providers And don’t forget — the InexPay app is available on both the App Store and Google Play.

Paying utility bills is a monthly routine we all manage based on our finances. While we can’t eliminate this boring task, we can change the way you pay — helping you save more along the way.

With InexPay, you can now pay all your utility bills with zero commission.

What does the offer include?

• Electricity, gas, water and city cleaning
• Internet, TV and FIX phone
• Mobile balance top-up and packages

Why is this offer valuable for anyone who pays utility bills?

On average, each utility payment includes a service fee of 0.5–1 GEL. Since most users pay 3–4 utility bills monthly, avoiding those fees is a smart way to save money.

How to take advantage of InexPay’s offer?

Paying utility bills with no commission takes just a few minutes:

1. Download the InexPay app
2. Register and verify your account or simply log in
3. Select “Utilities” and choose a category
4. Select your provider and enter your subscriber number
5. Enter the desired amount and confirm the transaction

Why choose InexPay?

InexPay is a simple financial app that allows you to manage various financial operations from the comfort of your home — including paying utility bills with no extra fees.

An unprecedented promotion has started at InteliExpress Gold Pawnshop, giving everyone a chance to receive a guaranteed cash gift and participate in the draw for super prizes.

What does Inteliexpress Gold Pawnshop offer?

As part of the promotion, every customer who uses Inteliexpress Gold Pawnshop services and deposits gold items worth more than 300 GEL will receive a guaranteed cash gift and a chance to win super prizes.

Super Prizes

A special surprise awaits the lucky ones!

• 1,000 GEL
• 2,000 GEL
• 5,000 GEL

How to receive your gift?

To receive the gift, just follow a few simple steps:

• Use the Gold Pawnshop service – deposit gold items worth more than 300 GEL and receive the corresponding amount.
• Register on InexPay – register in the InexPay app within 3 days after receiving the pawn loan.
• Complete verification – go through the simple account verification process.
• Receive your gift – the cash gift will be credited to your InexPay account on the next business day after verification is completed.

Why InteliExpress Gold Pawn Shop?

InteliExpress Gold Pawn shop stands out with the highest appraisal value and the possibility of transferring from other pawn shops. We offer:

• Fast and flexible service
• Top valuation for gold items
• Competitive interest rates
• Convenient repayment terms

InteliExpress Gold Pawn Shops offer is valid until May 31, 2025. Take advantage of this opportunity and receive a cash gift to your InexPay account – guaranteed from 10 GEL up to 5,000 GEL!