Garanti BBVA Online – Your account (2023)

Pay your regular bills

It’s so simple to forget about paying the bills, but it’s hard to handle a restricted phone or electricity service. Stop worrying every month about paying your bills when you can simply pass this responsibility to your bank. It’s super simple. You may authorize the bank to make these payments on your behalf via a Direct Debit mandate, based on previous agreements concluded with certain suppliers.


All you have to do is choose "Direct Debit" from "Utility Payments" sub-menu and select the provider with whom you want to conclude a new electronic mandate. Thus, Garanti BBVA will withdraw from your account each month, at the due date, an amount equal to the invoice value and will automatically transfer it to the respective provider’s account.

The payments can be made from your current account or from your Bonus Card limit, depending on the settings previously made. You can easily manage your Direct Debits, either by changing their features (maximum amount, current account or Bonus Card from which to debit the money) or by cancelling them whenever you want.

If you want to keep track of each of your monthly payments, you may choose another option from "Utility Payments" sub-menu, called "Invoice Payment", where you have to insert only your phone number or subscriber code, in order for the payment to be made instantly.

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Pay for your plane tickets

The first step is always the hardest even when planning a holiday, but after you take it, it all comes natural. With Garanti BBVA Online everything becomes easier because you can start planning a new trip by buying a plane ticket only with a click, online. Think about a place, pick a date, open your laptop, access your Garanti BBVA Online account and buy it. It’s that simple!


  • Click on the “Payments” menu, select “Bill Payments” and choose the “Others” category
  • Add VOLA RO SRL in the Name section
  • Insert the ticket number, letters included
  • You can use both EUR and Lei accounts and also Bonus Credit Card

The payment happens instantly and you can visualize it in your bank account regardless of the way you choose to pay.

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Pay your insurance policies

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Life is full of unexpected surprises and you don’t want to be unprepared when in need of a fast and simple solution. Fortunately for us, insurance policies can bring this comfort to our lives and we are free to choose the best way to pay for them. Try Garanti BBVA Online and everything will be easier.


You can pay for your insurance premium (Allianz Tiriac, Grawe, Metropolitan Life, MB Europa Broker de Asigurare, EXA Broker) by introducing the name of the subscriber and the insurance policy number/reference/slip by case, depending on the insurance provider.

The payment happens instantly and you can visualize it in your bank account regardless of the way you choose to pay.

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Payments to Providers

The secret of happiness is spending time doing things you really like. But wasting your time standing in line to pay your monthly invoices is not such a pleasure. Get rid of it with Garanti BBVA Online. With Garanti BBVA Online’s help you can pay your fees to EOS KSI, Garanti BBVA Credit Consum Ralfi, Garanti BBVA Leasing Motoractive and Kruk Clienti only by using the Internet.


Select the “Bill Payments” category from the “Payments” menu. Enter the subscriber name, the CNP/unique payment code according to the financial institutions requirement.

Click for the complete providers list

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Domestic and international transfers

There is nothing more satisfying than resolving a problem fast or helping a friend in need without postponing. Use Garanti BBVA Online and you will always be ready to properly face any situation, because with Garanti BBVA Online you can easily transfer money to any bank account.

  • Transfers in Lei and foreign currencies
  • Frequent payments
  • Standing payment orders
  • Foreign exchanges


For making regular payments even easier, enter the “Frequent payments” menu and save a template for the payment that can be used later. Then every time you wish to make a payment to that respective beneficiary, all you have to do is select the template and just update the transfer amount and the explanations. You can save frequent payments for any transfer, no matter the beneficiary’s account and currency.

From the “Standing orders” menu you can initiate a payment order for the recurrent payments with a predefined amount, by selecting the frequency (daily, weekly, monthly), processing date, amount, explanation and the account to be used for the payment, so you won’t have to do it again in the future. Afterwards, all you need is to ensure the necessary funds for the payment to be performed.

From “Foreign exchange” menu you will be able to perform foreign exchange transactions between the accounts of the company: Lei – foreign currency, foreign currency – Lei, arbitrage, at a better rate than the one at the bank’s counter.

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Living without a mobile phone in our times is impossible. That is why to run out of credit on your mobile phone feels like being let alone on a deserted island. Use Garanti BBVA Online and you will never feel the drama again, because you can top-up your credit online, wherever you are.


  • Select „Mobile Top-Up” option from „Payments” menu
  • Insert the mobile phone number for which you wish to add extra credit, as well as the top-up value (minimum 4 EUR)
  • The top-up value will be withdrawn from your current account or from your Bonus Card limit.

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Piggy banks are so cute that it’s a shame you always have to break them. Save the piggy banks and start saving money like a real pro with Garanti BBVA Online, a must have for people who want to become more provident. Why? Because it works just like a manager for your money.


  • You can use it to open a savings account
  • You can establish a monthly saving amount and date according to your budget that will automatically be transferred from your current account into your saving account
  • You can change the date and amount of money established anytime
  • If you decide to use the collected savings you can decrease or close your deposit account or your savings account, depending on your needs.
  • You can see the interest rates and our Deposit Interest Calculator will display the amount that you will receive at the maturity of your deposit (the amount saved + interest related).
  • And if you have different goals to achieve, by using Garanti BBVA Online you can create, name and manage multiple saving accounts at the same time.

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Banks are like friends. They should help you whenever you need their help and they should be sincere in order to trust them. With Garanti BBVA Online you enjoy transparency related to all details of your loan.

Use Garanti BBVA Online to visualize and print the repayment plan, the loan amount and the debt-to-date.

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Bonus Card

You can find all the information you need about Bonus Card stored in one place: Garanti BBVA Online.

Are you interested in a Bonus Card? Garanti BBVA Online is the shortest way to get it. All you have to do is access your account, apply for a Bonus Card and follow your application status.

Do you already own a Bonus Card? With Garanti BBVA Online you can see your available limit, the accumulated bonus and the history of your transactions. Also, you can pay for your credit card debt.

Use Garanti BBVA Online and keep up to date with:

  • Payment of the debt
  • Cash Advance
  • Withdrawal Limits Changes
  • Transactions
  • Blocked Amounts
  • Your Bonus Card status
  • PIN Settings
  • Cards Requests
  • And if you have different goals to achieve, by using Garanti BBVA Online you can create, name and manage multiple saving accounts at the same time.

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Transaction limits Garanti BBVA Online

Operation typeMaximum per transaction Daily Maximum LimitMinimum per transaction
Internal payments in Lei100.000 Lei 100.000 Lei1 Leu
Payments to other banks in Lei100.000 Lei 100.000 Lei1 Leu
Payments in other currency except Lei100.000 Lei 100.000 Lei10 Lei
Foreign Exchange100.000 Lei 100.000 Lei1 Leu
Arbitrage75.000 USD 75.000 USD 1 USD

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Deadlines for receiving the payment instructions by Garanti BBVA Online

Operation typeDeadlines for receiving the payment instructions by Garanti BBVA Online
EUR payments to other banks with same day value date 9:00-12:00
USD payments to other banks with same day value date 9:00-14:00
Payments in other currency except Lei to other banks with future value date 9:00-17:00
Low value payments in Lei to other banks (under 50.000 Lei)9:00-13:45
High value payments in Lei to other banks (over 50.000 Lei)9:00-15:45
Urgent payments in Lei to other banks (any amounts)9:00-15:45
Internal payments in any currencyNon stop


1. Instructions sent by the client on the same day, but after above mentioned time limits, will be considered received by the Bank the next working day.

2. Maximum execution terms of the instructions received by the Bank are for payments in RON: T+1;

Where: T- time when Bank accepts the payment instruction

T+3, T+2, T+1 – period expressed in working days from the payment instruction acceptance date till the moment the beneficiary’s bank account is credited.


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