Less stress, more time and energy! Use the Internet for all your transactions anytime you want with Garanti Online.

The Internet is more than “like”, “share” and “comment”. It’s a world full of information, the place to be when you want to know what’s new. But if you really want to be fashionably smart on the Internet, you have to use Garanti Online, a must have to easily manage your money wherever you are 24/7.

Garanti Online turns the Internet for you into the best tool for saving time and energy related to money, paying the bills or any other bank transaction.

Moreover, through Garanti Online you can make any banking transaction that doesn’t involve deposit or cash withdrawal, in full safety, simply by using the Ciframatic.

With Garanti Online you can get so many benefits

  • It doesn’t matter if you are on holiday abroad, at work or at home. You have non-stop access to your financial situation
  • You no longer have to leave the house for paying your bills. You can do it for free only by using the Internet
  • Besides saving time you also save money because you pay with 50% less than at the counter for your transfers
  • Don’t worry about foreign payments. You will get a lower fee than at the counter, regardless the amount of money you want to transfer.
  • Pay your regular bills

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


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

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

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

    Pay for your plane tickets

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


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

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

    Pay your insurance policies

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


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

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

    Payments to Providers

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


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

    Click for the complete providers list

    Domestic and international transfers

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

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


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

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

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


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


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


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

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


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

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

    Bonus Card

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

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

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

    Use Garanti Online and keep up to date with:

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

    Transaction limits Garanti Online
    Operation type Maximum per transaction Daily Maximum Limit Minimum per transaction
    Internal payments in Lei 100.000 Lei 100.000 Lei 1 Leu
    Payments to other banks in Lei 100.000 Lei 100.000 Lei 1 Leu
    Payments in other currency except Lei 100.000 Lei 100.000 Lei 10 Lei
    Foreign Exchange 100.000 Lei 100.000 Lei 1 Leu
    Arbitrage 75.000 USD 75.000 USD 1 USD


    Deadlines for receiving the payment instructions by Garanti Online

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


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

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

    Where: T- time when Bank accepts the payment instruction

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