Studying MBBS in Georgia has become a dream for thousands of Indian students who aspire to pursue quality medical education abroad at affordable costs. Georgia, with its globally recognized medical universities, English-taught programs, and safe environment, attracts students from across the world.
One of the major concerns that parents and students face during the admission process is payment of tuition fees and other charges. Since the majority of students and families manage transactions from India, a common question arises:
“Is payment from an Indian bank safe for Georgia MBBS fees?”
This article will answer this question in detail, covering:
How the payment process works.
Safety aspects of Indian bank transfers.
Common challenges faced during fee payments.
Tips to make secure and hassle-free payments.
Alternatives and backup solutions.
Before discussing payment methods, it is important to understand the types of fees students are required to pay:
Tuition Fees – Paid annually or semester-wise to the university in Georgia.
Hostel Fees – Paid directly to the university or hostel management.
One-time Charges – Registration, admission, visa, or documentation fees.
Living Costs – Food, mess, transport, and daily needs (handled locally after arrival).
Most universities in Georgia accept international payments directly from Indian banks through authorized channels.
Indian students have multiple secure ways to transfer MBBS fees to Georgian universities.
The most common method used for paying international university fees.
Indian banks transfer money directly to the Georgian university’s official bank account.
Requires university bank details such as SWIFT code, IBAN, and beneficiary name.
Processing time: 2–5 business days.
Students can request a foreign currency demand draft from their Indian bank.
The DD is couriered or carried to Georgia and deposited in the university’s bank account.
Safer than carrying large amounts of cash.
Some banks and forex platforms provide digital portals for international tuition fee transfers.
Transactions are quick and trackable.
If a student has taken an education loan, the bank directly disburses fees to the university.
Adds an extra layer of safety since the bank verifies details before transfer.
The short answer is yes, it is safe, provided the payment is made through authorized and official channels. Let’s break this down:
Indian banks are regulated by the Reserve Bank of India (RBI), which ensures that all international transfers follow strict guidelines to prevent fraud and misuse.
Most Georgian universities provide official bank accounts for fee payments. As long as students pay directly into these accounts, the transaction is secure.
Every bank transfer comes with a transaction reference number, receipt, and SWIFT copy, which can be shared with the university for confirmation.
If a transfer is delayed or stuck, Indian banks have international desks that assist in resolving issues.
Even though bank transfers are safe, students and parents may worry about certain issues. Let’s address them:
In reality, money cannot disappear if sent through official SWIFT transfers.
At worst, it may be delayed due to compliance checks or incorrect details.
Both Indian and Georgian banks can trace the transaction.
Yes, if students share money with unauthorized agents instead of paying directly to the university account.
Solution: Always confirm payment details on the university’s official website or offer letter.
Indian banks apply daily forex rates when sending fees.
Students may pay slightly higher due to conversion charges, but it is safe.
Bank transfers generate official receipts, which are accepted for visa documentation.
Receive Admission Confirmation – Ensure that you have an official admission or offer letter from the university.
Get Bank Details – Collect the university’s official bank account details (IBAN, SWIFT code, etc.).
Visit Your Indian Bank – Request an international transfer using these details.
Pay Using SWIFT Transfer or DD – Choose the method depending on convenience.
Collect Proof – Always ask for a transfer receipt, SWIFT copy, or DD acknowledgment.
Share with University – Email the proof to the university finance office for confirmation.
Track Payment – Use transaction ID to track the progress.
Students should also budget for transaction-related costs:
Bank Service Fees – ₹500–₹2,500 per transfer depending on the bank.
Currency Conversion Charges – Banks add a small margin on the exchange rate.
GST on Transaction Fees – Standard GST applies to bank charges.
While these add to the overall cost, they ensure safety and accountability.
Never Pay in Cash to Agents – Always transfer fees directly to the university account.
Cross-Check Bank Details – Verify on the official university website before sending.
Keep Multiple Copies – Save both digital and printed copies of receipts.
Use Parents’ Bank Accounts – Safer and easier for compliance compared to third-party accounts.
Plan Early Transfers – Avoid last-minute rush to reduce stress and exchange rate fluctuations.
Notify the University – Always email the payment proof immediately.
Consider Education Loan – Banks directly transfer fees to universities, adding an extra safeguard.
In rare cases, if students face issues with direct transfers, there are alternatives:
International Forex Platforms – Services like Flywire or PayMyTuition are specialized in tuition fee payments.
Forex Cards – Pre-loaded with foreign currency, useful for smaller payments like hostel fees.
Wire Transfer via Private Forex Agencies – Licensed agencies can send payments abroad, but charges are slightly higher.
First-Year Students – Most prefer bank transfers for tuition since it offers proof and security.
Senior Students – Some use forex cards or online platforms for smaller monthly expenses.
Parents’ Concern – Peace of mind comes from having official receipts, which only banks and authorized platforms can provide.
Over the six years of MBBS in Georgia, a student will make multiple payments for tuition and hostel. Consistently using Indian banks ensures:
Record-Keeping – Every transaction is documented.
Visa Proofs – Payments can be used as financial proof for renewals.
No Legal Risks – Avoids issues with tax or currency regulations.
So, is payment from an Indian bank safe for Georgia MBBS fees?
Yes, it is absolutely safe as long as students follow the right process:
Transfer directly into the official university bank account.
Use regulated methods like SWIFT transfers or bank demand drafts.
Keep all receipts and proofs.
While minor issues like delays or extra charges may occur, the security and peace of mind outweigh the risks.
For Indian students heading to Georgia for MBBS, bank payments are not just safe but also the most recommended method. It ensures accountability, proof of payment, and compliance with both Indian and Georgian regulations.
Parents can confidently rely on Indian banks, knowing their child’s future is financially secure and their money is reaching the right destination.