No, the price of the item/service purchased within the offered terms of Mere does not increase by a single cent, meaning you benefit from an effective 0%.

You can use Mere in both physical and online stores, in Georgia and abroad. Additionally, you can cash out or transfer funds with Mere and/or borrow some money before your payday from dear Mere.

You can visit any of our service centers, or go to the desks of our partner companies (TBC, Liberty, etc.), or download the Silk app and get the card digitally, completely remotely.

The credit limit of Mere ranges from 50 to 30,000 GEL.

You can spread the amount at partner locations over 3 to 12 months. At all other locations - up to 45 days.

Yes, you can. The fee for cash withdrawal is 3%, with a minimum of 6 GEL.

If you have already used the Mere card, the debt calculated on the settlement day must be paid on the date you chose as your payment day. You will receive an SMS notification about the debt twice: on the settlement day (13 days before the payment date) and the day before the payment date, indicating the minimum and recommended payments.

The minimum payment is the pre-determined amount set by the bank, which is necessary to avoid overdue debt. Interest will be charged at 36% per year on the difference between the recommended and minimum amounts. For example, if the recommended payment is 500 GEL and the minimum is 300 GEL, interest will be charged on 200 GEL (500 - 300 GEL) calculated to the day.

The recommended payment is the amount suggested by the bank, which allows you to benefit from completely interest-free installments (effective 0%). The recommended payment can be made in full or in stages until the payment date you chose. For example, if your recommended payment is 200 GEL in total, you can pay 200 GEL incrementally from the settlement date to the payment date.

You can repay the debt and refill the limit using the following channels: TBC Pay, from quick payment terminals (choose Silk Bank in financial institutions, then Mere, and make the payment). Making a payment at the bank's cash terminal. Transferring money from another bank (consider work days and interbank transfer hours). Mobile app transfer between accounts.