WELCOME IN BONUS CARD WORLD.
A WORLD OF PLUS.

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.

With 3D Secure, you can enjoy extra-secure transactions

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:

  • The details of the payment will be mentioned (the seller, the total price and the date of the transaction, the last 4 digits of the card).
  • You will be able to choose the phone number at which to receive the password for the transaction, from a predefined list of phone numbers you have communicated to Garanti BBVA. Both your phone number and that of the secondary user have to be up-to-date. Afterwards, you will receive the confirmation code for the transaction on your smartphone.
  • In the new page displayed, you will have to type the confirmation code you received and the CVC2 code, according to the instructions.

That’s it! Now you can relax, knowing that you placed a secure transaction.

Pay quickly by simply approaching the card to a POS/ terminal with Contactless functionality without entering the PIN code for transactions up to 100 RON.

To obtain a Contactless Bonus Card, please contact your Garanti BBVA consultant, go to one of the Garanti BBVA agencies or call the Communication Center service 0800 80 1234 toll-free number, callable only from fixed networks or + 40 21 200 94 94, telephone number with normal tariff.

With Bonus Card Platinum you get so many advantages:

  • 1

    Bonus with every purchase

    The more you pay with the card, the more bonus you’re accumulating. Each bonus point is worth 1RON. Don’t forget you also get up to 10% discount on your shopping.
  • 2

    12 fix installments with 0% interest

    Up to 12 fix installments with 0% interest* or even more during the special campaigns. Find out more: https://bonuscard.ro/en/campaigns/
  • 3

    Over 6000 partners

    You have a broad network of online and offline partners. Search for the nearest partner here and enjoy all the advantages Bonus Card has to offer.
  • 4

    Up to 50 days grace period

    You have up to 50 days grace period in which you don’t have to pay any interest at all. You shop now and it doesn’t cost you anything if you pay back the whole amount before the grace period ends. Find out more about the Bonus Card costs here.
  • 5

    Maximum amount

    Between 25.000 lei and 100.000 lei
  • 6

    Refinancing program

    Now you get to refinance any type of credit from another bank, within a limit of 20.000 lei*. Apply for Bonus Card and you can benefit from an advantageous refinancing plan with up to 36 interest free installments**.
    *This option is available for new clients only, those who do not have nor have had a credit card from Garanti BBVA.
    **For the up-to-date payment of the current debt.
  • 7

    Safety and security

    Wherever you are, we issue another card for you urgently, in case yours gets stolen or lost. In addition to this, you get notified through SMS for any online transaction free of charge. This way you’ll always know what amounts are being transacted from your account.
  • 8

    Emergency services

    8. Emergency services - Wherever you are in the world, you benefit from card replacement and cash withdrawal if your card is lost or stolen.
    - You have 24/7 phone support while traveling abroad, in over 140 languages, by calling free of charge MasterCard special phone numbers in over 75 countries (the list of phone numbers is distributed through hotels, it is published in travel guides and can be found on the MasterCard site and on the bonuscard.ro)
  • 9

    Travel insurance

    Click here for more details on Bonus Card Platinum travel abroad insurance.
  • 10

    Mastercard Premium Benefits

    You benefit from discounts in 230 partner locations in Romania. Click here to view the MasterCard Premium features.
  • 11

    Priority Pass

    We offer you access to 500 VIP salons from airports around the world. See the complete list here.
  • 12

    Free access to the Cluj Airport Business Lounge

  • 13

    Free access to MasterCard Lounge at Henri Coanda airports in Bucharest and Vienna.


For more information, phone numbers or the complete list of additional services, contact a Garanti BBVA consultant.

*For the up-to-date payment of the current debt.

Clear and transparent costs

  • Bonus Card Platinum
  • Bonus Card for clients with salary conventions at Garanti Bank SA *
  • Annual administration fee for main card (RON)
  • 360
    (free in the first year)
  • 50%
    discount from the annual fee
  • s
  • Annual administration fee for supplementary card (RON)
  • 180
  • 50%
    discount from the annual fee
  • Fee for card issue / renewal
  • 0
  • 0
  • Reissuance fee at client's request (RON)
  • 300
    (free for the first reissuance)
  • 15
    (free for the first reissuance)
  • Fee for using the ATM for cash **
  • 1%+5 RON
  • 1%+5 RON
  • Fee for checking the balance at the bank's ATM
  • 0
  • 0
  • Fee for checking the balance at a different bank's ATM (RON)
  • 1
  • 1
  • Minimum payable amount ***
  • 3%
  • 3%
  • Credit card interest rate
  • 27,6%
  • 19,2%
  • Interest rate for cash withdrawal
  • 27,6%
  • 19,2%
  • Penalty interest rate
  • 30,6%
  • 22,2%
  • Grace period
  • until 50 days
  • until 50 days
  • Bonus at non partner merchants
  • 0,3%
  • 0,3%
  • Bonus at partner merchants
  • until 10%
  • until 10%
  • Margin of adjustment for exchange rate of transactions in other currencies
  • 1,25%
  • 1,25%
  • DAE Interest****
  • 33,2%
  • 22,9%

* This offer is valid for clients with salary conventions at Garanti Bank SA, who apply for a credit card after 15.12.2019 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.


Calculation example

Annual Effective Interest Rate is of 33,2% for a Bonus Card Platinum with a limit of 100.000 RON, used immediately and reimbursed in 12 monthly equal installments. The interest rate is fixed: 27.6%/ year; Monthly installment: 9.631 RON; Total Payable Value: 116.307,5 RON; Annual card administration Fee: 360 RON; Using ATM for cash commission: 1% from used limit + 5 RON.


Full list of taxes and fees:

Download the list of fees       Print the list of fees


With Garanti BBVA, you are always up to date with what's new and even receive advice for managing your expenses

  • Subscribe to our newsletter in order to receive periodic news and advice for a better management of your card expenses.
  • We've prepared a complete list of suggestions with all you need to know in order to enjoy your Bonus Card correctly.
  • If you have any questions about the management of your expenses and you haven’t found the answer here, you can contact a consultant by using the Customer Communication Center number (+40 21 200 94 94) or contact us online by filling this form.

*Starting with the second issue, a 300 lei fee will be charged.

A card for everyone. Flexible criteria and minimal documentation

Necessary documents:

  • A copy of the solicitant’s ID card
  • A Credit Card Issue request
  • Documents which prove your income

According to each client’s profile and type of income, the bank may ask for additional documents.

Download the salary certificate


Eligibility criteria:

  • the age between 18 and 65 years old
  • a minimum net income of 800 lei.

There are 3 simple ways to apply. The card can be yours in just 48 hours!

Choose the option which suits you best:

  • 1

    Apply online

    Fill this short form with your personal information and you will be contacted by a Garanti BBVA consultant in 48 working hours, at the latest.
  • 2

    Come meet us at one of our agencies

    If you want to apply for a card at one of the Garanti BBVA agencies, here's where you can find the closest location.
  • 3

    We're just a "Hello" away

    Call Customer Communication Center 0800 80 1234 - or +40 21 200 94 94 - regular tariff number in any network, leave your name and phone number and a Garanti BBVA consultant will contact you shortly.

It’s simple to pay in the most comfortable way.

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:

  • In any Garanti BBVA agency
  • At the Garanti BBVA ATMs
  • Through Garanti BBVA Online
  • Through a bank transfer from another bank
  • Through direct debit from your current account
  • By phone call at Customer Communication Center
  • At any PayPoint location, by showing the account statement (the maximum value per transaction is 4.999 lei). If you’re interested, you can find out more about the PayPoint payments.

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 Customer Communication Center 0800 80 1234 or +40 21 200 9494 (regular tariff numbers in any network).

BE INFORMED WHEN IT COMES TO PHISHING ATTACKS

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:

  • Do not confirm any sensitive personal data via SMS or e-mail.
  • Do not share your credit card number, expiry date, authentication code, PIN, password, telephone number etc with anybody.
  • Do not ever note down your PIN code (for credit/debit credit cards) or the passwords you use.
  • Garanti BBVA will never ask for such information via SMS, e-mail, or the accessing of a link.

Protect your computer with an official and updated antivirus software and don’t access Garanti BBVA applications lest they are from trusted sources.

  • We are continuously monitoring and are ready to prevent such phishing attacks. Protect your PC, laptop, tablet, and smartphone by using a strong password and antivirus and anti-spyware softwares.
  • The only official download sources for our mobile banking and Mobile ME applications are App Store and Google Play, and they can easily be found using the “Garanti BBVA” keyword.

Handle your credit/debit card sensitive data with great care.

  • Buy products and services from trusted sources. For online purchases, make sure the 3DSecure protocol is used.
  • Check your credit card statement at least monthly to see all the transactions made with your credit card.
  • Protect your credit card data (number, expiry date, CVV code) and don’t post them on social media.
  • Ask for a receipt every time you make a transaction with your credit/debit card, regardless it is approved or denied.
  • Whenever you pay with your credit card, make sure you always have it in your visual field and, where needed, ask for a mobile POS or go to fixed one yourself.

Steps in activating your newly released credit card

In order to activate your newly released credit card and set up your PIN code, call Customer Communication Center 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.

Steps in activating your renewed credit card

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 Customer Communication Center 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 BBVA consultant or call Customer Communication Center 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 BBVA agency or call the Customer Communication Center 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 BBVA agency.

How can I increase my credit card limit?

You are being invited to the nearest Garanti BBVA 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 BBVA agency or call the Customer Communication Center 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 BBVA 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 Customer Communication Center 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 Customer Communication Center 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 Customer Communication Center 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.

  • If the client reimburses only 500 RON till the 20th of October, the Bank will charge interest for the entire period, meaning from September 5th to October 20th, for the 500 RON and from September 20th to October 20th for the other 500 RON.
  • If the client reimburses 1.000 RON until the 20th of October, the Bank will not charge interest.

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 BBVA agency to check this option from inside Garanti BBVA Online, our Internet Banking service, or call Customer Communication Center 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 BBVA 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 withdraw money from the ATM.

For all your online or in-store purchases, from Romania or abroad, you will benefit from the following (depending on your previously agreed offer) :

  • 0.3% from the purchase value made from Garanti BBVA non-partnering traders
  • Up to 10% from the purchase value made from Garanti BBVA partnering traders

ATTENTION: When you go for checkout or pay for your purchase, ask to make the payments via a POS Garanti BBVA (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 BBVA 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.The available bonus can be used in Bonus Card network of physical stores which can be found in Partners list.

Can I see how many collected Bonus points I have?

  • When you proceed to checkout in Garanti BBVA partnering shops, ask the salesclerk to check how many Bonus points you have on your credit card;
  • Call Customer Communication Center 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;
  • Use Internet Banking – Garanti BBVA Online;
  • Via the monthly credit card statement.

Pay quickly by simply approaching the card to a POS/ terminal with Contactless functionality without entering the PIN code for transactions up to 100 RON. Activating or deactivating the Contactless functionality can be done by calling the Communication Center service or by going to the Garanti BBVA agencies.
The cumulative limit for contactless transactions is 700 RON.
The cummulative ammount that can be spent for contactless transactions is 700 RON, once you surpass this threshold the PIN will be required.

Faster payment by simply holding your card very close to a POS/card terminal with a contactless functionality without having to enter the PIN code for transactions up to 100 RON. Only for the first transaction card inserting in POS device and PIN code will be required. The activation or deactivation of a contactless functionality can be done by simply calling the Customer Relations Service or by going to one of the Garanti BBVA agencies.

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 Customer Communication Center 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 Customer Communication Center 0800 80 1234 or + 40 21 200 94 94.

In order to authorize online payments with any card issued by Garanti BBVA, you can choose one of the following methods to authorize the transactions:

  • Authorize by Touch ID and Face ID - will be available to clients who use iPhone devices with Touch ID (fingerprint) or Face ID (face recognition) and who have the Garanti BBVA Mobile Banking app;
  • Authorize with password and a unique verification code received by SMS - will be available to all clients.


The PASSWORD is the same a client uses for identification in connection to the Bank; this password is requested of clients for activating the card (setting the PIN for the card) or in other cases when a client calls Customer Communication Center for personalized information;
The unique verification code received by SMS will be sent on the phone declared by the client in connection to the Bank.


Very important!


Make sure you remember your password you defined in connection to the Bank.
If you cannot remember this password, you will need to set a new one. This password is essential for your identification, so setting up a new one will require you to visit any Garanti BBVA agency.

GARANTI BANK SA, with headquarters in Bucharest, Sos. Fabrica de Glucoza No. 5, Novo Park 3, Business Centre, Building F, floors 5 and 6, district 2, with order number in the Trade Registry no. J40 /4429/2009, fiscal code 25394008, registered in the Credit Institutions Registry with no. RB-PJR-40-066 / 2009 and in the ASF Registry with no. PJR01INCR/400019/28.03.2019, hereinafter referred to as the "Bank” shall process my personal data, provided in relation with this request, as follows:

 

Processed personal data can be the following type: surname, name, phone number, e-mail address, Personal Identification Number (CNP), home address, profession, work place,  marital, financial and economic status, habits, preferences, payment/debt/saving behavior and any other data I provided through the dedicated form on the Bank website or which will be disclosed during the telephone conversation to be carried out with the Bank representative as a result of this request.

 

The purposes and aims of the processing. Recipients of personal data.

 

    (i) to analyse the possibility of entering into a loan agreement to which I will be a part of or to take steps at my request before entering into this agreement, the Bank shall process the data as follows:

  • sending notifications / information in connection with my request for analyzing the possibility of concluding a loan agreement;
  • sending data to Garanti BBVA Turkey (and to any of its legal successors), a Turkish company, an indirect shareholder of the Bank, which manages its IT system;
  • sending the 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.).

 

    (ii) for the Bank to comply with its legal obligations, such as:

  • establishing my identity in order to fulfil the legal obligations of the Bank in the field of customer knowledge, money laundering prevention and terrorism fighting;
  • sending information on current accounts to the authorities authorized by the law to request and receive such information, e.g. the National Authority for Tax Administration (ANAF), the National Office for Prevention and Control of Money Laundering (ONPCSB), the courts of law, prosecutors, official receivers, notaries, supervisory and control authorities in the banking field, etc;
  •  

    (iii)   for the Bank to exercise a legitimate interest, as such:

    • sending the personal data to the entities that are part of Garanti BBVA group (all affiliated entities, as well as all the direct and indirect shareholders of GARANTI BANK SA), made up currently of: Garanti Holding B.V. and G Netherlands B.V.(The Netherlands), Garanti Bilisim Teknolojisi ve Ticaret T.A.S., Garanti BBVA Turkey(Turkey), Banco Bilbao Vizcaya Argentaria SA(Spain), Ralfi IFN SA, Motoractive IFN SA, Motoractive Multiservices SRL(Romania), for internal administrative purposes (for the lawful purpose of carrying out consolidated supervision at a group level, for instance the analysis of the financial situation of the entities in the group, the identification of the risks relative to the group activity, etc.)
    • using the data by the Bank for statistical purposes, under the condition of their pseudonymization.

     

    The transfer of personal data abroad

    In fulfilling the above purposes, Garanti Bank SA will be able to transfer personal data abroad only if an adequate level of personal data protection recognized by a European Commission decision is ensured in the recipient country.

    In the absence of such a decision issued by the European Commission, the Bank may transfer personal data to a third country only if adequate safeguards according to the law are provided in order 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 personal data storage period

In the event I conclude a loan agreement with the Bank, the Bank will store the personal data for the duration of our contractual relations and after the termination of such relations for a period of maximum 10 years, taking into account: the banking legislation provisions on customer knowledge, the prevention of money laundering and the financing of terrorism, the provisions of the Accounting Law regarding the keeping of the supporting documents underlying the records in the financial accounting, the need to defend / preserve the Bank's rights in a possible litigation regarding the conclusion, performance or termination of the credit contract.

 

In the event that I will not conclude a loan agreement with the Bank, the Bank will store the personal data for a period of 5 years from the date of the request, taking into account the banking legislation on customer knowledge, money laundering prevention and terrorist financing and the need to protect / preserve the Bank's rights in a possible litigation.

 

For the purposes of data archiving according to the National Archives Act and taking into account the National Archives (approved by the National Archives) applicable at the Bank level and for the data processing by the Bank for statistical purposes, the data may be stored for periods longer than those indicated above.

My rights

I will be able to exercise, in the cases and under the conditions provided for by the law, the following rights with respect to the personal data processed by the Bank:

 

  • the right of access
  • the right of opposition
  • the right to data portability
  • the right to rectify the data
  • the right to deletion of the data (the "right to be forgotten")

 

There may be cases when the Bank will not be able to positively respond to the data deletion request, namely:

 

i. in cases where the Bank has a legal obligation to store personal data;

 

ii. where data are stored for the 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.

 

● the right to restrict the data processing;

 

The above-mentioned rights may be exercised by sending a request to GARANTI BANK SA, its headquarters, to any of the branches of the Bank, as well as by electronic means, to the e-mail: dpo@garantibbva.ro, providing sufficient data to allow the Bank to identify the applicant.

 

  • the right to file a complaint with a supervisory authority for personal data processing. In Romania, the complaint will be filed with the National Supervisory Authority for Personal Data Processing (ANSPDCP), headquartered in Gheorghe Magheru Blvd. 28-30, District 1, postal code 010336, Bucharest, under the form of a written notice, at the headquarters of the institution, or electronically, at the e-mail address anspdcp@dataprotection.ro.


By validating this form I declare that I have been informed and I agree with the processing of my personal data as it is described above.

* READ THE DOCUMENT TO AGREE WITH PERSONAL DATA PROCESSING.

 

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:

 

  • transmitting notifications / information in connection with the settlement of the complaint/request
  • 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.).

 

(ii) for the Bank's performance of legal obligations, such as:

  • establishing the identity in order to fulfil the legal obligations of the Bank in the field of customer knowledge;
  • transmitting information to the authorities certified by the law to request and receive such information, for example Courts of Law, Prosecutor's offices, official receivers, the National Office for the Prevention and Control of Money Laundering (ONPCSB), tax authorities, notaries, authorities with supervisory and control role in the field of banking, etc .;

 

(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 direct and indirect shareholders of GARANTI BANK SA), formed on this date by: Garanti Holding B.V. and G. Netherlands B.V. (The Netherlands), Garanti Bilişim Teknolojisi v Ticaret TAS., Turkye Garanti Bankasi AS (Turkey), Banco Bilbao Vizcaya Argentaria SA (Spain), Ralfi IFN SA, Motoractive IFN SA, Motoractive Multiservices SRL (Romania) for internal administrative purposes (for the legitimate purpose of consolidated supervision at group level, for example, analysing the financial situation of the entities in the group, identifying the risks associated with the group's activity, etc.)
  • the use of data by the Bank for statistical purposes, subject to their pseudonymization.

 

 

 

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.

 

My rights

 

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:

  • the right of access
  • the right of opposition
  • the right to data portability
  • the right to rectify the data
  • the right to delete the data (the "right to be forgotten")

There may be situations where the Bank will not be able to respond to the data deletion request, namely:

  1. in cases where the Bank has a legal obligation to store personal data;
  2. in cases where data is stored for purposes of archiving in the public interest or for statistical purposes;
  3. in cases where the data are necessary for the establishment, exercise or defence of a right in Court.
  • the right to restrict the data processing

 

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 dpo@garantibbva.ro, providing sufficient data to allow the identification of the applicant by the Bank.

  • The right to submit a complaint with the Personal Data Processing Authority in Romania; the complaint shall be submitted at the National Authority for the Surveillance of Personal Data Processing (A.N.S.P.D.C.P.), with headquarters in B-dul G-ral Gheorghe Magheru 28-30, 1st District, postal code 010336, Bucharest, under the form of a written notification, at the headquarters of the institution, or electronically, at the e-mail address anspdcp@dataprotection.ro.

  

 

* READ THE DOCUMENT TO AGREE WITH PERSONAL DATA PROCESSING.
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