Garanti Bank launches “Bonus Economus”, the savings account that gives customers bonus interest
Bucharest, 3 April 2014 – Garanti Bank, one of the most dynamic and innovative banks on the local market, launches a new and flexible savings account, “Bonus Economus”, which rewards recurrent saving behavior.
Lower GDP growth, increased purchasing power, consumption and imports - the main estimations for 2014
Bucharest, 2 April, 2014 – The GDP growth in 2014 is expected to decelerate to 2.6% from 3.5%, mainly due to a lower production in agriculture and the deceleration of export growth due to negative base effect. Meanwhile, some acceleration in imports should come, as the domestic consumption and investments start their recovery. These are the main estimations for Romania’s economic development 2014 made by Garanti Bank, one of the most innovative and dynamic banks on the local market, in its latest Quarterly Macroeconomic Report, corresponding to Q1 2014.
Garanti Bank grants EUR 20 million to NEPI for the refinancing of Shopping City Galati
Bucharest, 24 March 2014 – Garanti Bank, one of the most dynamic and innovative banks on the local market, member of Turkiye Garanti Bankasi, among world’s top 20 strongest financial organizations by Bloomberg, granted a EUR 20 million loan to New Europe Property Investments (NEPI) for the partial refinancing of the investment in Shopping City Galati. The financing was granted in February 2014, for a period of five years.
EIB and Garanti Bank support projects of SMEs, MidCap companies and public sector entities in Romania
Bucharest, 19 March 2014 –The European Investment Bank (EIB) is lending up to EUR 50 million to Garanti Bank Romania, one of the most innovative and dynamic banks on the Romanian market, to finance projects promoted by small and medium-sized enterprises, mid-cap companies and public sector entities in Romania. The EIB loan is focused to foster undertakings with positive impacts on the increase of employment in the country.
Garanti Bank launches the spring campaign "Pedal your own way with Bonus Card"
Bucharest, 17 March 2014 – Garanti Bank, one of the most innovative and dynamic banks on the local market, launches the spring campaign "Pedal your own way with Bonus Card", through which the persons who apply for a Bonus Card between 3rd March and April 17th can win through a lucky draw one of the 8 Dahon folding bicycles. Thus, the cardholders will enjoy the spring while riding a high-quality, lightweight and easy to transport bicycle, but also benefit from Bonus Card advantages.
Garanti Bank and the Group’s FINCO Garanti Mortgage
initiate official merger procedures
Bucharest, March 12, 2014 – Garanti Bank and Garanti Mortgage (Domenia Credit IFN SA) announce today that they have initiated formal procedures for the merger of the two companies in Romania, which are expected to be finalized by the end of this year, following NBR approval and completion of all legal requirements.
Garanti Group continues its sustainable development, registering a net profit of EUR 27 million in 2013
Bucharest, February 11th, 2014 - Garanti Group Romania, one of the most dynamic and innovative financial groups on the local market, registered in 2013 a consolidated net profit of EUR 27 million. The Group's net revenues increased to EUR 118.6 million, an 11% growth compared to 2012. Last year, its total assets reached EUR 1.93 billion, a 7.3% increase year on year.
Bonus Card holders spent most money in 2013 on electronics and food
Bucharest, 24 February 2014 – Garanti Bank, one of the most innovative and dynamic banks on the local market, registered in 2013 a 15% increase of the number of transactions performed with Bonus Card compared to the previous year. The total volume of transactions also grew, by 7%.
Kick-start your banking career through the Learn 2B a Banker Program @ Garanti
Bucharest, 16 January 2014 – Garanti Bank, one of the most dynamic and innovative banks on the local market, is launching the "Learn 2B a Banker" program dedicated to students or fresh graduates with keen interest in the banking sector. Through the partnership with the Academy of Economic Studies (ASE) the young talented people have the chance to kick-start a successful career in the banking and financial sector.
GarantiBank finances Hyperion, the first electrical multiple unit train ever built in Romania
Bucharest, 6 January 2014 – GarantiBank, one of the most dynamic and innovative banks on the local market, member of Turkiye Garanti Bankasi, among world's top 20 strongest financial organizations by Bloomberg, granted a financing amounting to EUR 4,3 million to Softronic Craiova, the only locomotive manufacturer in South-Eastern Europe. The financing was used for the manufacture of Hyperion, the first electrical multiple unit train in Romania.
Lower economic growth, inflation at a historical minimum and recovery of the construction sector – the most important forecasts for 2014
Bucharest, December 19th 2013 – In 2014, a GDP growth of 2% is expected, lower than the 2,4% registered in 2013. The GDP growth rate is expected to decelerate in the following year mainly due to a lower production in agriculture and the deceleration of industrial production growth, following fewer exports. This is the main forecast for 2014 in GarantiBank's latest Quarterly Macroeconomic Report. GarantiBank is one of the most innovative and dynamic banks on the local market and owned by Turkiye Garanti Bankasi A.S. (TGB), among world's top 20 strongest financial organizations according to Bloomberg.
Garanti's cardholders receive discounts at the prestigious Acibadem Hospitals Group in Turkey
Bucharest, 28 November 2013 – GarantiBank's clients, debit or credit card holders, receive a 15% deduction from current prices for healthcare services provided in the prestigious Acibadem Hospitals Group in Turkey. This discount applies to most medical procedures and it is offered for card payments made in full.
NETOPIA mobilPay and GarantiBank are launching a 0% fee campaign for online merchants
Bucharest, 13th of November 2013 - Netopia mobilPay, the leader of micropayments in Romania since 2007, together with GarantiBank, one of the most dynamic and innovative banks on the local market, are launching a 0% fee campaign during Black Friday and Winter Holidays period. The Romanian online merchants that will implement Netopia's payment script on their platforms and will open a GarantiBank current account between November 15th and 31st of December 2013 will benefit from 0 costs of registering, as well as 0 processing fee for full payments, regardless of the processed volumes.
Garanti Group Romania registered a net profit of EUR 26.3 million in the first nine months of 2013
Bucharest, November 6, 2013 – Garanti Group Romania, one of the most dynamic and innovative financial group on the local market, more than doubled its net profit in the first nine months of 2013, compared to the same period last year, thus reaching a net profit of EUR 26.3 million. Also, the Group's consolidated revenues reached EUR 91.4 million. Its total assets stood at EUR 1.843 billion at the end of September 2013.
GarantiBank and Seamless introduce SEQR in Romania: the newest mobile payment solution
Bucharest, October 22nd, 2013 – As of today, the mobile payment solution SEQR is active and available for use on the local market. The application is developed by Seamless, one of the world's leading providers of mobile phone payment solutions, and is launched together with GarantiBank, one of the most innovative banks on the market. SEQR is an application that enables customers to pay with their smartphone in stores, restaurants and online. Currently, it is the easiest, safest and most convenient payment solution in Romania.
Garanti continues steady growth in the Romanian market, reporting positive financial results
Garanti Romania registered 19.8 million euro net profit in the first half of 2013
Bucharest, 2 September 2013 – Garanti Romania, one of the most dynamic and innovative financial groups on the local market, continued its healthy growth and doubled its consolidated net profit in H1 2013 compared to the same period last year, thus reaching 19.8 million euro. Also, the Group's consolidated revenues rose to 64.8 million euro, several digits increase from the first half of 2012. Its total assets stood at 1.757 billion euro at the end of June 2013.
Garanti Bank appoints Cagri Memisoglu as Deputy General Manager
Bucharest, 5th August 2013 – Garanti Bank, one of the most dynamic and innovative banks on the local market, appoints Cagri Memisoglu as Deputy General Manager, in charge with Corporate Banking, Transaction Banking, Human Resources, as well as Organization and Process Management Divisions.
A softening monetary policy would stimulate both consumption and investments
BUCHAREST, 19 June 2013 – A softening monetary policy might play an important role in stimulating both domestic consumption and investments through the re-launch of lending activity, Garanti Bank, one of the most dynamic and innovative banks in the local market, estimates in its Quarterly Macroeconomic Report corresponding to the second quarter of this year.
Garanti Romania registered 9.9 million euro net profit in the first quarter of 2013
Bucharest, April 30th 2013 – Garanti Romania, one of the most dynamic and innovative financial groups on the local market, saw consolidated net profit of 9.9 million euro in the first quarter of 2013, an almost 70% rise from the same period last year. Also, the Group's consolidated revenues hiked to 45.4 million euro, a 62% increase from the first quarter of 2012.
Garanti Group Romania registered EUR 106.9 mil. consolidated revenues in 2012, seeks further growth in the local market
01.02.2013 - Garanti Romania, one of the most dynamic and innovative financial groups in the local market, registered EUR 106.9 mil. consolidated revenues in 2012, an increase of over 8% compared to 2011. Last year, Garanti Group Romania's consolidated assets reached EUR 1.8 bln.
Fitch Ratings upgrades the Long Term Issuer Default Rating for Garanti Bank Romania, to "BBB-"with a stable perspective
24.12.2012 – The financial evaluation agency Fitch Ratings upgraded the Long-term Issuer Default Rating for Garanti Bank Romania to "BBB-" from "BB+" with a stable outlook.
Garanti Bank launches the first online loan application platform in Romania
04.12.2012 – Garanti Bank, one of the most dynamic banks on the local market, continues the innovation series and launches "iLoanU", the first online platform in Romania where clients and potential clients can directly apply for loans, no matter where they are located, without having to go to one of the bank's agencies.
Romania's economy, only 0.3% yearly growth in 2012, set back on negative agriculture results
03.12.2012 – Romania's GDP growth will see a slight improvement in the fourth quarter of this year, that will result in a 0.3% yoy growth in 2012 and accelerating to 2% in 2013, following a more intense domestic demand - Garanti Bank, one of the most dynamic and innovating banks on the local market, estimates in its Quarterly Macroeconomic Report on Romania, conducted starting this year.
Fitch Ratings reconfirms the "BB+" Long Term Issuer Default Rating with a stable perspective granted to Garanti Bank Romania
15.11.2012 – Garanti Bank, one of the most dynamic and innovative banks in Romania, keeps the "BB+" Long Term Issuer Default Rating, with a stable perspective, and a "b" Viability Rating from the financial evaluation agency Fitch Ratings.
Turkiye Garanti Bankasi brings EUR 20 million for Garanti Bank's growth through a capital increase
12.11.2012 – Garanti Bank Romania increased its share capital by EUR 20 million through cash subscription, the total equity investment of Turkiye Garanti Bankasi A.S. (TGB), in development in the local subsidiary reaching EUR 245.7 million.
Ufuk Tandoğan is starting his mandate as General Manager of Garanti Bank Romania
07.11.2012 – The National Bank of Romania has approved the appointment of Ufuk Tandoğan as General Manager of Garanti Bank Romania.
Garanti Bank switches its debit cards from Maestro to MasterCard brand and adds the chip technology
24.10.2011 – Garanti Bank started to switch its debit cards from Maestro to MasterCard brand, also applying the chip technology. The new card, called Bonus Debit Card, will have as main feature the accumulation of a bonus for all the purchases paid using the card.
Garanti Bank successfully completed the first bill issue on the Turkish market
08.08.2011 – Garanti Bank, present on the Romanian market since 1998, successfully completed its first bill issue on the Turkish market. The issue was carried out to test the appetite of Turkish investors for the Romanian market and it has a maturity of 6 months and a value was 100 million Turkish Lira (approximately 40 million Euro). The issue was carried out during 03-04 August 2011.
Garanti Turkey registered a consolidated net profit of more than EUR 820 million in the first half of 2011
04.08.2011 – Garanti Turkey, the mother bank of local Garanti Bank, registered a consolidated net profit of EUR 824 million and consolidated total assets of EUR 65.9 billion in the first six months of 2011.
Garanti Bank, awarded by Global Finance for its internet banking bill payments system
29.07.2011 – Garanti Bank internet banking service, Garanti Online, was awarded "The Best Bill Payment & Presentment" in Central and Eastern Europe within the annual award ceremony organized by the renowned magazine Global Finance.
Garanti Bank extended the partnerships for collecting the invoice payments
18.07.2011 – Garanti Bank concluded new partnerships for collecting invoice payments issued by the energy suppliers Enel and Electrica Furnizare Transilvania Nord. Thus, the two companies' subscribers may pay their energy invoices through more channels: Garanti Bank ATMs and agencies networks, the internet banking service Garanti Online and the direct debit service, available for Electrica Furnizare Transilvania Nord.
The internet banking service of Garanti Bank, Garanti Online, has overpassed 50.000 users
02.05.2011 - Garanti Online, the internet banking service of Garanti Bank, has overpassed 50,000 users at the end of the first quarter of 2011, by 70% more as compared to the same period in 2010. Garanti Online was launched in October 2007 for retail customers and starting with May 2008 is also available for legal entities.
Garanti Bank extends the channels for paying Romtelecom invoices
18.04.2011 – Garanti Bank extended the payment methods for Romtelecom invoices, by adding the following collecting channels: direct debit service, Garanti Bank ATM network, the internet banking service Garanti Online, as well as inter-banking transfer in Garanti Bank agencies.
The share transfer to BBVA at Garanti Bank Turkey is completed
28.03.2011 - BBVA has completed the acquisition of the 6.2902% stake of Doğuş Holding A.Ş. in Garanti Bank Turkey and the 18.60% stake of GE Capital Corporation in Garanti Bank Turkey, after securing all the regulatory approvals related to the deal, effective as of today.
Garanti Bank developed a dedicated package for entrepreneur women
16.03.2011 – Garanti Bank offers a special package for companies within which women hold a significant shareholding position. The package includes multiple benefits related to costs: elimination of operational fees for RON inter-banking payments and external payments operational fees reduced by 50% during the first 6 months from account opening, elimination of granting fee for any type of loan used by the company, as well of the activation fee for the internet banking service, Garanti Online.
Garanti Bank continues to register growth in 2010 and aims for profitability this year
8.03.2011 – Garanti Bank, one of the most dynamic and innovative banks present on the local market for over 12 years, has registered a steady growth in 2010, with significant increases all across the board, following the strategy of strengthening the market position as a local universal bank.
At the end of 2010, Garanti Bank's assets registered over 70% growth compared to 2009, reaching a total of more than 1.4 billion Euros. The bank's loan portfolio rose to 786 million Euros, a 45% increase from 2009. Furthermore, the number of customers grew by 40%, surpassing a total of 200,000. Deposits increased by 100%, reaching 560 million Euros, while the number of debit and credit cards exceeded 200,000. Garanti Bank has a national network of 74 units, having expanded by 25 new agencies since 2009.
The credit card, Bonus Card, has a reduced interest rate for those who receive their salary in a current account opened with Garanti Bank
21.02.2011 – Garanti Bank launches a special offer for individuals who receive their salary through a current account opened with the bank: 19.2% preferential annual interest rate for the credit card Bonus Card.
On Valentine 's Day, electronic products, clothing and shoes - top credit card expenditures
17.02.2011 – Similarly with the same period of last year, on Valentine's Day (February 14th) top credit card transactions included electronic goods, clothing and shoes, according to an analysis of more than 100,000 Bonus Card holders, conducted by Garanti Bank. In the top credit card transactions the restaurants are also included, being the favorite place for spending Valentine's Day. The cosmetics, home supply products and jewelries have also been included in the Romanians' acquisition preferences on this day.
Bonus Card offers its customers the first hypermarket partner: Real store
03.01.2011 – Garanti Bank and Real hypermarket have concluded a partnership allowing Bonus Card holders to benefit from special conditions when paying with the credit card in all Real hypermarkets. Within the network of 25 Real stores, Bonus Card customers may purchase electronic products in 10 free installments and any other products in 4 free installments. In addition, they obtain 0.5% bonus of the value of purchases paid with this credit card and may use at the same time the bonus previously earned for making free purchases.
Garanti Turkey registered a consolidated net profit of more than EUR 1.3 billion in the first nine months of 2010
02.11.2010 – Garanti Turkey, the mother bank of Garanti Bank subsidiary, posted after the third quarter of 2010 a consolidated net profit of EUR 1.34 billion and consolidated total assets of EUR 62.86 billion.
Garanti Bank, awarded "The Best Consumer Internet Bank in Romania" by Global Finance for the second time in a row
29.07.2010 – GE Garanti Bank was awarded "The Best Consumer Internet Bank in Romania in 2010", within the annual award ceremony organized by the renowned magazine Global Finance. The distinction was granted based on a complex analysis carried out by the editorial team of Global Finance magazine and was based on multiple criteria: web-design and complexity of functionalities offered, growth of online customers, usage degree, as well as the strength of the strategies for attracting new online customers.
Garanti Bank and WWF launch WWF Bonus Card, the first eco affinity credit card in Romania
28.07. 2010 - Garanti Bank, together with the environmental organization WWF (World Wide Fund for Nature), launch WWF Bonus Card, the first eco affinity credit card on the Romanian banking market. WWF Bonus Card is addressed to all people who want to contribute to the environmental protection in Romania. Garanti Bank will direct 0.5% of the value of the purchases made with WWF Bonus Card, to support WWF projects in Romania, aiming to protect nature conservation and protected areas in the Carpathians, along the Danube and the Danube Delta, but also aiming to promote a sustainable socioeconomic development and a low environmental impact lifestyle.
Garanti Bank awarded "Highest growth of assets in Top 11-20 banks"
21.07.2010 – Garanti Bank was awarded "Highest growth of assets among Top 11-20 banks in Romania" during the third edition of "Top Bankers Gala". "Top Bankers" awards, organized by Finmedia, were attributed based on an ample analysis of the banking system at the end of 2009.
Garanti Turkey was awarded "Best Bank in Turkey" for the 10th time
19.07.2010 – Garanti Turkey, the mother bank of the local subsidiary Garanti Bank, was awarded "Best Bank in Turkey" for the 10th time by Euromoney, one of the world leading international financial publications.
Garanti Bank offers fast money transfer services via Western Union
24.06.2010 – GE Garanti Bank offers Romanian customers access to Western Union fast money transfer services through the bank's network. The customers will be able to use the service for making international and domestic money transfers in USD, EUR and RON within all Garanti Bank locations.
Bonus Card has a new partner, eMAG
15.06. 2010 – GE Garanti Bank and eMAG have concluded a partnership allowing Bonus Card holders to acquire IT and home appliances products with special conditions when paying with this card in eMAG online shop, as well as in the showrooms in Bucharest, Iasi, Ploiesti, Cluj and Timisoara. These special conditions, available during June 15th – September 15th 2010, consist in the possibility of purchasing any product in 12 interest free installments, benefiting from a 3-month grace period.
www.BonusCard.ro website has a new graphic design
09.06.2010 - Bonus Card, the credit card offered by Garanti Bank, has a new website, with a more accessible information structure and a complex graphic design allowing a better navigation and interaction. www.bonuscard.ro is an interactive and dynamic website that introduces its visitors into a virtual world where they may find complete information regarding all Bonus Card merchant partners, ongoing campaigns and special offers. The ongoing campaigns are being displayed in an original manner, on the outdoor panels located on a street in this virtual world, changing its appearance depending on the season and various holidays.
Garanti Bank celebrated Child's Day together with the children of Concordia Humanitarian Organization
02.06.2010 - GE Garanti Bank offered presents on Child's Day and took to a movie more than 100 children cared by Concordia Humanitarian Organization of Ploiesti. The children could enjoy a day dedicated to them and a special projection of the animation movie Princess and the Frog. The animation presents to the public a new type of princess in the history of Disney creation, a young lady coming from a modest family but who succeeds in her life through the ambition and determination she shows.
Garanti Bank will become operational on 29th of May 2010
27.05.2010 – GE Garanti Bank, a new credit institution authorised by the National Bank of Romania, will become operational on 29th of May 2010. Garanti Bank has a strong shareholding structure, its major shareholder being Garanti Turkey, who holds 70% of the shares. Garanti Turkey is the second largest private bank in Turkey, with assets exceeding EUR 54.4 billion and a consolidated net profit of EUR 1.45 billion as of 31 December 2009, running a network of 800 branches, employing more than 16,000 people and servicing more than 9 million customers. The remaining 30% stake is held by General Electric Capital Corporation, one of the world's leading companies.
Garanti Turkey registered a consolidated net profit of more than EUR 530 million in Q1 2010
17.05.2010 – Garanti Turkey, the mother bank of the local Garanti Bank registered in the first quarter of 2010 a a consolidated net profit of more than EUR 530 million and reached consolidated total assets of EUR 56.6 million. Garanti continued its contribution to real economy, reaching an amount of cash and non-cash loans granted of approximately EUR 36 billion. The return on average assets (ROAA) was 3.8% and the return on average equity (ROAE) registered a level of 31% in Q1 of 2010.
Garanti Bank has a new registered office
19.04.2010 – Starting April 19th 2010, the head office of Garanti Bank International N.V. – Romania Branch moved to a new address, within Novo Park office building: Şos. Fabrica de Glucoză nr. 5, Novo Park, Clădirea F, Etajele 5 şi 6, Sector 2, Bucureşti.
Garanti Bank registered in 2009 more than 5 times users for Garanti Online
16.04.2010 – Garanti Bank registered at the and of 2009 approximately 30,000 users for its internet banking service, Garanti Online, a level by more than 5 times higher as compared to the same period of 2008. At the same time, the number of active users increased by more than 8 times in 2009 versus 2008.
Supermarket products, electronics and gasoline are in the top of credit card shopping in Romania
12.04.2010 - According to Garanti Bank statistics, most frequently Romanians use their credit cards for shopping at supermarkets, electronics shops and gas stations, followed by do-it-yourself and clothing stores.
Bonus Card - "The best sold credit card in 2009"
30.03.2010 - Bonus Card Clasic was awarded "The best sold credit card in 2009" within No-Cash Awards Ceremony, organized on March, 30th, 2010. Bonus Card was launched by Garanti Bank in November 2007 under MasterCard license and represents the first multi-branded loyalty credit card with EMV chip in Romania. Bonus Card is a multi-functional card which rewards consumers with bonuses for each purchase they make, and makes shopping easy and smart by offering free installments and ready-to-use loan facilities.
Garanti Bank launches Bonus Card with mirror, the credit card designed for women
03.03.2010 - In March, Garanti Bank celebrates women's month by launching a product dedicated to ladies - Bonus Card with mirror credit card, an innovative product on the local market. The new product, issued under MasterCard logo, combines all the functionalities of a credit card, offering in addition a mirror as accessory.
Bonus Card customers made free purchases worth RON 1 million in 2009
22.02.2010 - The holders of Bonus Card, the credit card issued by Garanti Bank, made free purchases worth RON 1 million in 2009, using the bonus collected from the transactions paid with this card.
Garanti Bank extends the working schedule on Saturdays for two agencies
18.02.2010 - Garanti Bank launched a pilot project for extending agencies' working schedule on Saturdays. The first stage of this project is carried out during February 15th - May 15th 2010 and includes Magheru and Pipera agencies. These two agencies will keep their normal working schedule during the week (9:00 - 17:00) and will be also opened on Saturdays, between 11:00 - 16:00 hrs.
Garanti Bank Turkey registered a consolidated net profit of EUR 1.45 billion in 2009
15.02.2010 - Garanti Bank Turkey, the mother bank of the local Garanti Bank, registered excellent results also at of the end of 2009. Its consolidated net profit increased by more than 60% versus the same period of 2008, up to EUR 1.45 billion*, while consolidated total assets reached EUR 54.2 billion, registering an increase of 17% as compared to the end of 2008. Garanti continued its contribution to real economy, reaching an amount of cash and non-cash loans granted of EUR 32 billion. The return on average assets (ROAA) was 2.9% and the return on average equity (ROAE) registered a level of 27% in 2009.
Garanti Bank decreased by 1.08% the interest rates for all loans in RON
02.02.2010 - Garanti Bank decreased by 1.08% the interest rates for all loans in RON granted to individuals. The decrease applies for both existing loans, as well as for the new loans granted starting February 1st, 2010.
Garanti Bank Romania reports increase in assets and loans in 2009
28.01.2010 - Garanti Bank Romania, one of the most dynamic and innovative banks on the market, nearly doubled its assets and registered growth of over 50% for loans in 2009, compared to the previous year, following its strategy of providing consumers with offers that responded to their needs within the difficult economic context.
Garanti Bank decreased the interest rates to all secured loans for individuals
21.01.2010 - Garanti Bank decreased by up to 1.8% the interest rates to all secured loans granted to individuals in EUR starting January 22nd, 2010. "In 2010 also, one of the main objectives of Garanti Bank is to encourage lending of both individuals and companies. Following this first interest rates decrease of this year, we offer ones of the best lending conditions currently existing on the market. Depending on the market trend, we estimate other subsequent decreases for loans both in RON and EUR.", Murat Atay, General Manager of Garanti Bank, stated.
Garanti Bank launched the cash payment service for Romtelecom invoices.
07.01.2010 - Garanti Bank launched the cash payment service for Romtelecom invoices at the bank's counters. This new service is offered without any extra charge to Romtelecom subscribers, individuals or entities, customers of Garanti Bank or not, who have now the possibility of paying both their own invoices, as well as the ones issued to other subscribers. The payment may be carried out easily and quickly, based on the invoice.