Debiting and Conversion of Funds during Card Transactions. 5.3.1. If the currency of the transaction amount is the same as any of the currency in the client’s account (USD, EUR, GEL), the amount shall be debited from the respective currency account.
5.3.2. If the transaction is made in GEL and there are insufficient funds in the GEL account, for the purpose of filling the account, the transaction amount shall be converted from the USD account; if there is an insufficient balance on the USD account, then from the EURO account, according to the commercial rate established by the Bank by the date of processing the financial operation.
5.3.3. If the transaction is carried out in USD and there are insufficient funds in the USD account, for the purpose of filling the account, the transaction amount shall be converted from the GEL account; if there is an insufficient balance in the GEL account, then from the EURO account, according to the commercial rate established by the Bank by the date of processing the financial transaction.
5.3.4. If the transaction is made in EURO and there are insufficient funds in the EURO account, for the purpose of filling the account, the transaction amount shall be converted from the GEL account; if there is an insufficient balance in the GEL account, then from the USD account, according to the commercial rate established by the Bank by the date of processing the financial transaction.
5.3.5. If the transaction currency does not coincide with any of the currencies (USD, EUR, GEL) of the account, the amount shall be deducted from the USD account. If there are insufficient funds in the USD account, for the purpose of filling the account, the transaction amount shall be converted first from the GEL account and then from the EURO account, according to the commercial rate established by the Bank by the date of processing the financial transaction.
5.3.6. The amount from the particular currency account of the multi-currency account shall be utilized within the limits of the approved overdraft (if any) and only after such a limit is exhausted shall the relevant amount be looked for in the other currency account.
