In the plus world, you will benefit from the largest partners network in Romania. We have over 6000 partners with hundreds of online and offline stores. You will definitely find the plus one you need in no time. Bonus Card is Romania's first chip based multi-branded credit card. You can use it to purchase whatever you may need at any merchant in Romania or abroad that has MasterCard’s seal of approval.
Bonus Card offers you extra-secure online shopping, by providing you with an extra-security filter: 3D Secure. This allows you to confirm all online payments, by using a security code which you will receive on your smartphone.
How does it work? In a nutshell, each time you or the user of the secondary card will shop online on a website enrolled in 3D Secure, when confirming the payment, a new web page will be displayed, in which:
That’s it! Now you can relax, knowing that you placed a secure transaction.
For more information, phone numbers or the complete list of additional services, contact a Garanti Bank consultant.
*For the up-to-date payment of the current debt.
* This offer is valid for clients with salary conventions at Garanti Bank SA, who apply for a credit card after 07.02.2011 and only within the period when the Salary Convention is active.
** In the case of Garanti Bank SA ATM's located in agencies, the Fee for using the ATM for cash is 0.
*** Minimum payable amount is formed of 3% of Utilised Credit Line and Due plus 100% interests and fees.
**** The Costs for Bonus Card Classic apply totally to WWF Bonus Card.
Annual Effective Interest Rate is of 34,4% for a Bonus Card Classic with a limit of 5,367 RON, used immediately and reimbursed in 12 monthly equal installments. The interest rate is fixed: 27.6%/ year; Monthly installment: 516.9 RON; Total Payable Value: 6.267,6 RON; Annual card administration Fee: 40 RON; Using ATM for cash commission: 1% from used limit + 5 RON.
According to each client’s profile and type of income, the bank may ask for additional documents.Download the salary certificate
You have a lot of reimbursement methods to choose from!
Simple is always better. That’s why we try to make everything easier even when it comes to reimbursement procedures.
Whenever you want to pay the amount used through Bonus Card, you can choose the most comfortable option from various methods.
In a nutshell, you can make your Bonus Card reimbursements:
Easy, right? From all these options, you’re bound to find the one that fits you. And remember, if you have any questions whatsoever, you can reach us at Alo Garanti 0800 80 1234 or +40 21 200 9494 (regular tariff numbers in any network).
The intensive use of the Internet and smart devices can easily target you and make you a phishing attacks victim. These attacks are illegal attempts of stealing and using your sensitive personal data. Therefore, we kindly ask you not to use unknown source links or take part in online competitions that promise substantial gains.
To keep yourself safe from data theft, we kindly ask you to mind the following tips:
Protect your computer with an official and updated antivirus software and don’t access Garanti Bank applications lest they are from trusted sources.
Handle your credit/debit card sensitive data with great care.
In order to activate your newly released credit card and set up your PIN code, call Alo Garanti toll-free telephone number 0800 80 1234 anytime between 09:00-22:00, reachable to all fixed-lines, or call + 40 21 200 94 94, a normal rate telephone number.
For Romanian, use the short number 1-1-1-1 or 2-1-1-1 for English and you can activate your credit card on the spot.
In case your credit card has been replaced due to deterioration or expired, continue to use the same PIN code. Your credit card is already active, therefore you don’t need to call Alo Garanti anymore. You only need to make a transaction that asks you to use the PIN code.
What should I do if my credit card application has been approved but I didn’t get the card?
To enter into the possession of the credit card, please contact your Garanti Bank consultant or call Alo Garanti toll-free telephone number 0800 80 1234, anytime between 09:00-22:00, reachable to all fixed-lines, or call + 40 21 200 94 94, a normal rate telephone number.
How can I get more details about my credit card application status?
To learn the status of your credit card application, visit any Garanti Bank agency or call the Alo Garanti toll-free telephone number 0800 80 1234, anytime between 09:00-22:00, reachable to all fixed-lines, or call + 40 21 200 94 94, a normal rate telephone number.
I changed my last name - how can I benefit from the updated credit card?
We will need you to bring with you your new identity card and file an application in the nearest Garanti Bank agency.
How can I increase my credit card limit?
You are being invited to the nearest Garanti Bank agency to apply for an increased credit card limit.
How can I apply for a supplementary card?
You can ask for a supplementary card to be issued in any Garanti Bank agency or call the Alo Garanti toll-free telephone number 0800 80 1234 anytime between 09:00-22:00, reachable to all fixed-lines, or call + 40 21 200 94 94, a normal rate telephone number.
How is the daily supplementary credit card limit set?
Given that you are the primary card holder, you decide the daily credit limit for the supplementary card. Indicate the exact credit amount the moment you ask for a supplementary card.
Can I diminish the daily credit card limit?
Yes, you can. All you need is to visit the nearest Garanti Bank agency and file in the application.
How can I pay the minimum for the supplementary card?
There is no minimum payment for the supplementary card. All transactions that have been performed with the primary credit card and the secondary credit card/s can be found in the primary credit card statement.
How can I learn the Bonus Card PIN Code?
You can set up your PIN code by calling the Alo Garanti toll-free telephone number 0800 80 1234 anytime between 09:00-22:00, reachable to all fixed-lines, or call + 40 21 200 94 94, a normal rate telephone number.
In case I forget the PIN code, how can I learn it again?
You can reset your PIN code by calling Alo Garanti toll-free telephone number 0800 80 1234 anytime between 09:00-22:00, reachable to all fixed-lines, or call + 40 21 200 94 94, a normal rate telephone number.
How can I change the PIN code from my credit card?
Your credit card PIN code can be changed by calling Alo Garanti toll-free telephone number 0800 80 1234 anytime between 09:00-22:00, reachable to all fixed-lines, or call + 40 21 200 94 94, a normal rate telephone number.
What is a grace period?
The grace period is the period in which the Bank does not charge interest for the overall
value of the transactions made to merchants and/or shopping using instalment payment,
highlighted in credit card statement, provided that the current debt/the total of the
current debts are payed in full by the due day.
This benefit doesn’t exist lest the (total of) current debts visible in the credit card statement are not paid in full by the due day.
The grace period can spread up to 50 calendar days, depending on the purchase date, the calendar day number in a month and the due day. To benefit from the maximum grace period of 50 calendar days, you must use your credit card starting the first day of the transaction cycle.
Transactions such as cash withdrawals do not benefit from the grace period.
To benefit from this facility, you have to start the transaction cycle without any debt to the Bank and reimburse the used amount of money in full by the end of the grace period.
For example, let’s consider a credit card with a limit of 3.000 RON and a grace period of 50 calendar days. In September, the transaction cycle starts on the 1st of September and ends on the 30th of September, while the grace period expires on the 20th of October.
On the 5th of September, there is a purchase made in stores of 500 RON, while on the 20th of September there is another one of 500 RON. Hence, at the end of the month, when the credit card statement is drawn up, the client appears with a balance of 1.000 RON.
Given that at the beginning of the month the client did not have any amount of charges owed to the Bank, they can benefit from the grace period. Therefore, should they reimburse the amount of money in full by the 20th of October, they won’t be charged any interest.
However, should they reimburse only 500 RON, the Bank will charge interest for the entire period.
The credit card allows the owner to access a limited amount of money provided by the Bank and have a grace period in which the client is not charged any interest for their purchases. The interest is charged only when the amount of money owed to the Bank is not paid in full until the monthly due day, as well as for the cash withdrawals.
For cash withdrawals, the Bank will charge interest starting from the cash withdrawal date up to when the client reimburses the withdrawed cash, inclusively.
The purchase interest applies to the owed amount of money, excluding the total sum of money coming from cash withdrawals, starting from the day of the last credit card statement up to the day of the first purchase, should the card owner issue by the due day at least the minimum payment, if not the whole debt (the total of the current debts) highlighted in the credit card statement.
For the rest of the calculated period until the next credit card statement, the interest will be applied starting with the unpaid amount of money owed to the Bank.
When the card owner pays for the entire debt visible in the credit card statement, the Bank does not charge interest for the purchase value made to stores or by using instalment payment.
In case the card owner does not issue at least the minimum payment, the Bank will charge the penalizing interest.
For example, let’s assume we have a credit card with a limit of 3.000 RON and a grace period of up to 50 calendar days. In September, the transaction cycle starts on the 1st of September and ends on the 30th of September, while the grace period expires on the 25th of October.
Case A: On the 5th of September, there is a purchase made in stores of 500 RON, while on the 20th of September there is another one of 500 RON. Hence, at the end of the month, when the credit card statement is drawn up, the client appears with a balance of 1.000 RON.
Case B: On the 5th of September, there is a cash withdrawal of 500 RON from an ATM. Therefore, at the end of the month when the credit card statement is released, the client appears with a balance of 500 RON + the interest resulted from the cash withdrawal, calculated from September 5th up to the credit card statement release day.
How is the interest applied?
For instance, the current interest plan for the Bonus Card is of 27.6%, this being an annual interest.
If we take case B, from the previously provided example, “On the 5th of September, there is a cash withdrawal of 500 RON from an ATM. Therefore, at the end of the month when the credit card statement is released, the client appears with a balance of 500 RON + the interest resulted from the cash withdrawal, calculated from September 5th up to the credit card statement release day”, the interest is applied as it follows:
The cash withdrawal of 500 RON * number of days (September 5th - October 1st, the period in which the client benefits from that amount of money) = 25 days * daily interest (27.6% / 360 days) = 0.077%. The interest the client will have to pay at the end of the month, according to the credit card statement, is 9.6 RON.
How can I automatically issue the minimum payment for Bonus Card?
If you wish to have your minimum payment automatically withdrawn from your bank account at the due day, please go to any Garanti Bank agency to check this option from inside Garanti Online, our Internet Banking service, or call Alo Garanti toll-free telephone number 0800 80 1234 anytime between 09:00-22:00, reachable to all fixed-lines, or call + 40 21 200 94 94, a normal rate telephone number. Please mind that your bank account has the necessary amount of money when the due day comes.
Can I automatically issue the minimum payment for Bonus Card from the confirmed credit card limit?
It is not possible to issue the minimum payment from the confirmed credit card limit. The minimum payment can be automatically retained from your current bank account only, when the due day comes, following the debiting option set up.
What happens if I issue the minimum payment only?
The minimum payment represents the amount of money the client must pay when the due day comes, applied as 3% (1) of the used credit limit owed at the end of a transaction cycle (except future maturity rates) to which the Bank adds (2) 100% credit card costs, plus (3) 100% interests, plus (4) 100% sums resulted from exceeding the credit card limit, plus (5) 100% penalties, plus (6) 100% remaining debts, according to The List of Rates and Commissions for Credit Cards for Individuals displayed in any Garanti Bank agency.
In case you pay the minimum payment only, the Bank will charge interest for the entire period, starting with the purchase day up to the debt payment day.
By issuing the minimum payment only, you cannot benefit from grace period.
In case you don’t issue at least the minimum payment, the Bank will apply the penalizing interest.
What are Bonus points and how can I use them?
1 point = 1 RON
Bonus points are money, actually. You win Bonus points for all the purchases you do with Bonus Card, in every store and to every merchant, either from Romania or from abroad (online or in-store), including instalment payments. There are no Bonus points when you money withdrawals, payments made by Internet Banking and by Garanti Bank ATMs for the utility and/or goods and services invoices. The Bank may decide to modify or stop the Bonus program at any moment.
For all your online or in-store purchases, from Romania or abroad, you will benefit from the following (depending on your previously agreed offer) :
ATTENTION: When you go for checkout or pay for your purchase, ask to make the payments via a Garanti POS (the device that read your credit card). Only then you will benefit from the Bonus points.
The Bonus points you collect can be used in the Garanti Bank partnering shops. The bonus can neither be withdrawn from an ATM, nor can it be used to pay for the used credit on your card; the bonus points value is made available in the monthly credit card statement. For instance, you can use the bonus points to buy a birthday present for your friend or child.
Before going for shopping, go to https://bonuscard.ro/parteneri/ and check what special campaigns Bonus Card provides you with and spot the trader you are interested in.
Can I see how many collected Bonus points I have?
What should I do when I lose my credit card or it is stolen from me ?
In the event of losing and getting your credit card stolen, call Alo Garanti toll-free telephone number 0800 80 1234 anytime between 09:00-22:00, reachable to all fixed-lines, or call + 40 21 200 94 94, a normal rate telephone number and immediately report your loss in order to block it and benefit from the necessary guidance.
The Bank will proceed to blocking the access to your credit card immediately after receiving your call regarding the loss/stealing of your credit card or suspicious transactions.
Call the telephone number provided on the back of your credit card for any doubt you have regarfing the use of the credit card in an ATM/POS.
In case you suspect a credit card fraud, contact the Bank immediately and call Alo Garanti 0800 80 1234 or + 40 21 200 94 94.
Processing of personal data within Garanti Bank SA
This document presents the types of personal data collected and processed within GARANTI BANK SA, the purposes and the reasons for such processing, the recipients of the data, the storage periods, the rights of the persons subject to the data processing.
GARANTI BANK SA is a company headquartered in Bucharest, no. 5 Sos. Fabrica de Glucoza, Novo Park 3, Business Center, Building F, 5th and 6th floors, sector 2, with order number in the Trade Register J40 / 4429/2009, fiscal registration code 25394008, registered in the credit institutions register no. RB-PJR-40-066 / 2009, Registered in FSA Register with no. PJR01INCR/400019, hereinafter referred to as "the Bank".
This information is intended for individuals, such as:
Note: The information presented below differs according to the quality of the person concerned, to the types of products and services chosen or benefited by the data subject, the nature of the purpose of the request addressed to the bank by the data subject, the purpose of the processing, the data recipient.
Personal data processed: name, surname, personal numeric code (CNP), health status, citizenship, address, fixed and mobile phone number, e-mail address, profession, workplace, family, economic and financial situation, preferences / payment / saving / debt behavior, image, voice, information about fraudulent activity, information regarding the inaccuracies found in the documents / statements submitted to the Bank, obtained on the basis of the forms, statements and documents submitted, drafted or completed, data taken from a telephone conversation;
The purposes and bases of the processing. Recipients of personal data
(i) for the purpose of concluding and performing a contract to which the data subject is a party or to take action upon their request prior to the conclusion of a contract, the Bank will process the personal data as follows:
o for the conclusion and execution of the current account contract and, depending on the banking services chosen by the data subject, of the savings account contract, of the deposit contract, of the internet / mobile banking services, the payment of the related payment services and the carrying out of the contractual relation with the Bank, for this purpose the latter being able to perform the following activities (as an example):
- carrying out payment operations, cashes, transfers, foreign exchange, direct debit services, scheduled payment orders, etc. (the recipients of the payment data may be recipients of payment transactions, the corresponding banks, interbank trade clearing services providers - eg TRANSFOND SA, the national payment system paid in Ron offered by BNR-ReGIS, etc. .);
- Transmitting data to Turkyie Garanti Bankasi A.S., a Turkish company, an indirect shareholder of the Bank, which manages its IT system, and to any of its legal successors;
- Transmitting data to the contractual partners of the Bank (from Romania or abroad) in order to provide outsourced services, made for and on behalf of the Bank for the purpose of concluding and performing the current account contract (eg sending notifications, archiving, clients services, etc.);
- the transfer to the payers of the monetary rights (salaries, allowances, pensions, etc.) for me, of the name and surname, CNP and IBAN codes of the current accounts opened in my name, in order for such institutions (employer / Paying Agency / Pension House, etc.) to be able to pay the relative rights in their current account opened with the Bank
o for the conclusion and performance of the credit agreement, of the credit card contract, of the overdraft and of the guarantee contracts, and for this purpose the Bank may perform the following actions (as an example):
- Automatically assessing the eligibility of the person concerned for granting the credit and the issuing of an automated exclusive decision; to the extent that the decision is negative, the credit request will be rejected. To the extent that the decision is a positive one, the Bank will continue the analysis of the possibility of granting the credit, the final decision not being based solely on automatic processing. The above mentioned automatic rating is based on a score calculated at the level of each credit applicant indicating the probability of repayment or non-repayment of the credit, a score developed based on both the socio-demographic characteristics of the applicant and on the behavioral characteristics of the applicant, with the aim of separating the applicants with high potential to be good payers, from those with inappropriate payment behavior;
- analyzing the credit repayment capacity;
- assessment of the goods registered as guarantee (in which case the recipient of the data is the Assessor);
- analysis of the documents related to the real estate proposed as guarantee (in which case the recipient of the data is the notary office);
- the transmission of notifications regarding the modification of the contractual clauses, notifications regarding the delay in payment of the installments, etc.
- sending data to Turkyie Garanti Bankasi A.Ş. (and any of its legal successors), a Turkish company, an indirect shareholder of the Bank, which manages its IT system;
- Transmitting data to the contractual partners of the Bank (from Romania or abroad) in order to provide outsourced services, made for and on behalf of the Bank (eg transmission of notifications, archiving, customer service, etc.).
- if the loan requested by the client is guaranteed by the National Credit Guarantee Fund for Small and Medium Enterprises - FNGCIMM IFN SA or by the Rural Credit Guarantee Fund - FGCR IFN SA, the Bank shall transmit to the latter non-bank financial institutions the data necessary for the approval and execution of the guarantee related to the respective credit facility
o for the conclusion of the insurance contract, if the conclusion of the insurance is a condition for the granting of the credit or the credit product has an insurance attached, in which case the Bank will transmit the data to the insurance companies;
o for the refinancing of the loan, if the person concerned requests this service to another financial institution, in which case the Bank will send to the latter the data necessary for the refinancing.
(ii) for the Bank's performance of legal obligations, such as:
o establishing the identity of the person concerned in order to fulfill the legal obligations of the Bank in the field of customer knowledge, money laundering prevention and combating terrorism;
o Transmitting information to law enforcement authorities to request and receive such information, for example courts of law, prosecutor's offices, bailiffs, the National Office for the Prevention and Control of Money Laundering (ONPCSB), tax authorities, notaries, authorities with supervisory and control role in banking, etc .;
o the transmission by the Bank of information about the credit granted to the Credit Risk Center, the database functioning at the National Bank of Romania;
o transmitting mandatory notifications based on legal provisions, for example, but not limited to notifications of starting the forced execution procedure, the notification of the debt assignment;
o the transmission by the Bank to another credit institution of the information required for the provision of the account change service, based on the legislation on the comparability of commissions related to the payment accounts, the change of payment accounts and the access to the basic services payment accounts, in case the holder will require the provision of such a service;
o the transmission by the Bank to the payment service providers and to the information service providers of the information required for the provision of such services under the payment services legislation, if the holder requests the provision of such services. The Bank will not be able to refuse the transmission of personal data in such situations; consequently, if the data subject does not agree to the transmission of the data to a particular provider / providers, I assume that the Bank will not initiate information operations on accounts or on payment transactions through them.
o video surveillance of the Bank's premises, representing access areas, both from the outside and from the inside, working areas with the public, driving routes and access to the storage areas of the values.
(iii) in order for the Bank to exercise a legitimate interest, as follows:
o the transmission of personal data to the entities belonging to the Garanti group (all affiliated entities, as well as all the direct and indirect shareholders of GARANTI BANK SA), formed at this time by: Garanti Holding B.V. and G Netherlands B.V. (The Netherlands), Garanti Bilişim Teknolojisi ve Ticaret TAS., Turkyie Garanti Bankasi AS (Turkey), Banco Bilbao Vizcaya Argentaria SA (Spain), Ralfi IFN SA, Motoractive IFN SA, Motoractive Multiservices SRL (for the legitimate purpose of consolidated supervision at group level, for example, analyzing the financial situation of the entities in the group, identifying the risks associated with the group's activity, etc.)
o the use of the data by the Bank for statistical purposes, subject to their pseudonymization;
o transmitting information to debt recovery companies in order to collect outstanding amounts on credit;
o periodical reporting and consulting of data (identification data: name, surname, personal identification number, home address / residence and mailing address, fixed / mobile phone number, date of birth, country code and passport series/ number for non-resident persons; employer's name and address; data concerning the credit-type products required/granted: the type and name of the Participant, the type of product, the status of the product / account, the date of granting, the grant period, the amounts granted, the amounts due, the maturity date, currency, payment frequency, amount paid, monthly installment, outstanding amounts, number of outstanding installments, number of days of delay, delay category, date of closing of the product; data about events occurring during the course of the credit product, such as those relating to restructuring / refinancing, payment, assignment of the credit agreement, assignment of the claim; data concerning the relations with other accounts: information on credit type products to which I am the co-debtor and / or guarantor; insolvency data: information on the data persons against whom an insolvency procedure has been opened; number of queries: the number of Credit Reports issued by the Credit Bureau, at the request of one or more Participants) to the Biroul de Credit SA, headquartered in Bucharest, no. 29 Sfanta Vineri Street, 4th floor, sector 3, a private law entity administering the Credit Bureau System, in which personal data are processed in relation to the lending activity of the Participants (credit institutions, non-banking financial institutions, insurance companies and debt recovery which signed a Participation Contract with Biroul de Credit) for the carrying out of a responsible crediting activity companies under the protection, facilitation of access to credit and prevention of excessive indebtedness of the data subjects, under compliance with the legal framework for the assessment of creditworthiness and of the credit risk diminishing, and of preventing the use of the financial and banking system in order to carry out activities contrary to the law; The Bank has the obligation, in accordance with the legal regulations in force, to assess the ability of the data subject to repay the loan before concluding a credit agreement and during the course of the credit. For this purpose, the Bank processes the above-mentioned information, registered on your name in the Registries, and transmits it to the Credit Bureau for the purpose of processing by this institution and for the purpose of consulting it by any Participant for the purpose of initiating or conducting a credit relation, and for credit-type insurance.
The above-mentioned personal data may be processed by the Credit Bureau, also with the purpose to calculate, at the Participant's request, the FICO® Score from the Credit Bureau.
The Bank and the other Participants use the FICO® Score from the Credit Bureau to reduce the credit risk associated with a debtor / potential borrower. FICO® Score from the Credit Bureau is a number between 300 and 850 obtained from the statistical process that processes the information recorded by the Participants in the Credit Bureau System and indicates the likelihood that the data subject will pay his interest rates in the future. The main causes of the FICO® Score decrease from the Credit Bureau are displayed under the form of reason codes. FICO® Score from the Credit Bureau takes into consideration the following elements that give predictability: payment history, current debt, duration of the account / credit accounts (the average number of months from the granting of credits), the demand for new credits (the number of queries and credits granted over the past 6 months), credit mix (types of credits granted), age of the data subject. The influence of these elements on the FICO® Score from the Credit Bureau may vary depending on the information recorded at the Credit Bureau for each data subject. FICO® Score from the Credit Bureau is a highly predictive analytical tool that, along with the Credit Report data and the information obtained from the Participants from other sources, competed for the correct assessment of the creditworthiness of the data subject for the conclusion/ performance of the contract credit.
o Enrollment of the Real Estate Guarantees Electronic Archive (A.E.G.R.M.) of the real estate guarantees established for the Bank, for the guarantee of the credit, in order to carry out the pratices for advertising thereof and to ensure the Bank's priority in the performance;
o transmitting data to the assignors of the receivables, if the Bank will assign the receivables related to the credit contract / agreements in which the data subject is / was a party;
o transmission of data to the judicial executors in order to execute the guarantees and to recover the debts related to the credit contract;
o video surveillance of bank machines in order to prevent fraud and to solve any complaints
(iv) processing of personal data on the basis of the consent of the data subject:
o for the purpose of consulting the information registered with the Biroul de Credit SA on behalf of the data subject, such as information about the credit products, similar or insurance products, or other commitments that which they benefit from or benefited from, such as the credit limit, the duration of the credit, payment history, current balance, outstanding value and any information related thereto, for the purpose of assessing solvency, of reducing the credit risk, and of determining the indebtedness degree.
o for the purpose of consulting the information registered in the database of the National Agency of Tax Administration (ANAF), regarding the quality of the person targeted by the taxpayer and of the level of the income thereof, for the purpose of evaluating the eligibility for granting the requested loan (Agreement on Interrogation and Processing of Information). The Bank may request on behalf of the taxpayer, tax information about the applicant for the period of the last 2 completed tax years, including the information related to the period between the last fiscal year ended and the date of their request.
o for the purpose of consulting, in order to initiate the credit relationship, the banking risk information, such as the situation of the global risk and the situation of the outstanding loans recorded at the Credit Risk Center, the structure functioning at the National Bank of Romania, in relation to the data subject
o for publicity, marketing and advertising purposes, profile creation and personalized offers (according to the person's options).
The processing of personal data required by Garanti Bank SA to initiate a business relationship / by other forms / channels is mandatory, except as a rule, where the processing of the data is based on the consent of the person concerned (eg. In case of marketing or automated decision making that produces significant legal effects or significant similar effects and which are not necessary for the performance of a contract or the fulfillment of a legal obligation). In other cases, the refusal of the data subject will cause Garanti Bank SA to be unable to provide services or financial-banking products.
The Transfer of Personal Data Abroad
In fulfilling the above purposes, Garanti Bank SA will transfer the personal data abroad only if, in the recipient country, is ensured an adequate level of personal data protection recognized by a European Commission decision such as the countries of the European Economic Area (EEA).
In the absence of such a decision of the European Commission, the Bank may transfer personal data to a third country only if the person processing the data on behalf of the Bank offered adequate safeguards provided by the law to protect personal data.
The Bank may be contacted to obtain additional information on the guarantees offered for the protection of personal data in case of any transfer of data to foreigners through a written request to do so.
The period for personal data storage
The Bank will store personal data for periods of up to 10 years from the termination of the contractual relationship / transaction / data provision (depending on the quality of the data subject, of the products and services they benefit from, of the relationship thereof with the bank, etc.) given the banking legislation provisions on customer knowledge, money laundering prevention and terrorism financing, the provisions of the Accounting Law, the need to defend / preserve the rights of the Bank in a possible litigation, the provisions of the legislation regarding the guarding of objectives, goods, values and protection of persons, the legitimate interest of the Bank to perform video surveillance of the bank machines in order to prevent fraud and to resolve any complaints.
For the purpose of archiving the data under the National Archives Act and taking into account the Archival Nomenclature (approved by the National Archives) applicable at the level of the Bank and for the data processing by the Bank for statistical purposes, the data may be stored for periods longer than those indicated above.
As far as the processing for marketing purposes is concerned, it will cease at the moment of withdrawal of the consent granted to the Bank for this purpose, regardless of whether the above-mentioned storage periods have been fulfilled or not.
Rights of the person concerned
The person concerned has the possibility to exercise, under the conditions and in the cases provided by the law, the following rights regarding the personal data processed by the Bank:
(i) the processing of personal data is based on basis of the consent granted for processing or is based on the performance of a contract; and
(ii) the processing is carried out by automatic means;
(i) the personal data are no longer required for the purposes for which they were collected or processed;
(ii) I withdraw the consent on the basis of which the processing takes place and there is no other legal basis for the processing;
(iii) I exercise my right of opposition with regard to the processing of personal data and there are no legitimate reasons to prevail in the processing;
(iv) I exercise my right of objection with regard to the processing of personal data for the purposes of direct marketing;
(v) the personal data were processed unlawfully;
(vi) the personal data must be deleted to comply with a legal obligation of the Bank.
There may be situations where the Bank will not be able to respond to the data deletion request, namely:
(i) in cases where the Bank has a legal obligation to store personal data;
(ii) in cases where data are stored for purposes of archiving in the public interest or for statistical purposes;
(iii) in cases where the data are necessary for the establishment, exercise or defense of a right in Court.
(i) where the data subject challenges the accuracy of the processed data; the restraint will operate for a period that will allow the Bank to verify the accuracy of the data;
(ii) if the processing is illegal and the data subject will object to the deletion of personal data, requesting instead the restriction of their use;
(iii) The Bank no longer requires personal data for processing, but the data subject will request them for the establishment, exercise or defense of a right in Court,
(iv) if the data subject has exercised his right to oppose data processing, unless the processing is for direct marketing purposes; the restraint will operate / will apply for the period of time to verify that the legitimate rights of the Bank override the rights of the data subject.
The above-mentioned rights may be exercised by sending a request to GARANTI BANK SA, at its headquarters, to any of the branches of the Bank, as well as by electronic means, to e-mail firstname.lastname@example.org, providing sufficient data to allow the applicant to identify the applicant by the Bank.
The contact details of the Data Protection Officer are:
GARANTI BANK SA, with headquarters in Bucharest, Sos. Fabrica de Glucoza nr. 5, Novo Park 3, Business Center, Building F, 5ht and 6th floors, 2nd District, number in the Trade Registry J40/4429/2009, tax registration number 25394008, registered in the Credit Institutions Registry with no. RB-PJR-40-066/2009, hereinafter referred to as the „Bank”, , shall process your personal data provided in relation with this request, as follows:
Personal data processed: surname, name, personal code (CNP), address, phone number, e-mail address and any other data provided to the Bank based on this suggestions and complaints form;
Processing purposes. Personal data recipients.
(i) In order to register your suggestion / complaint and to take steps to resolve it, the Bank will process your personal data as follows:
(ii) for the Bank's performance of legal obligations, such as:
(iii) in order for the Bank to exercise a legitimate interest, as follows:
Transfer of personal data abroad
In fulfilling the above purposes, Garanti Bank SA will transfer the personal data abroad only if an adequate level of personal data protection recognized by a European Commission decision such as the countries of the European Economic Area (EEA) is ensured in the recipient country.
In the absence of such a decision of the European Commission, the Bank may transfer personal data to a third country only if the person processing the data on behalf of the Bank offered adequate guarantees provided by the law to protect personal data.
The Bank may be contacted to obtain additional information on the guarantees offered for the protection of personal data in case of any transfer of data to foreigners through a written request for this purpose.
The period of personal data storage
As long as you are a customer of the Bank, the Bank will store the personal data for the duration of our contractual relations and after the termination of these relationships for a period of maximum 10 years, taking into account: the banking legislation on customer knowledge, the provisions of the Accounting Law on keeping the supporting documents underlying the records in financial accounting, the need to protect / preserve the Bank's rights in a possible litigation;
Unless you are a Bank customer, the Bank will store your personal data for a period of 3 years considering the need to protect / preserve the Bank's rights in a possible litigation.
For the purpose of archiving the data under the National Archives Act and taking into account the National Bank Archival Nomenclature (approved by the National Archives) applicable by the Bank and for the data processing by the Bank for statistical purposes, the data may be stored for periods longer than those indicated above.
You will be able to exercise, in the cases and under the conditions provided by the law, the following rights regarding the personal data processed by the Bank:
There may be situations where the Bank will not be able to respond to the data deletion request, namely:
The above-mentioned rights may be exercised by sending a request to GARANTI BANK SA, at its headquarters, to any of the branches of the Bank, as well as by electronic means, to e-mail email@example.com, providing sufficient data to allow the identification of the applicant by the Bank.