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Live this summer on plus!
Get a personal loan online
and receive 200 RON bonus
after a transaction of
at least 50 RON

Aplică direct online folosind aplicația mobilă

  • Descarcă-ţi aplicaţia de Mobile Banking de la Garanti BBVA şi începe să o foloseşti!
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About the Campaign

  • The campaign is valid during: 11 July 2026 – 31 August 2026.
  • The campaign is aimed at individuals, new or existing customers, with a minimum age of 18 years, who cumulatively meet the following conditions:
  • obtain through Mobile Banking a personal loan without collateral 100% online with the Standard destination (without refinancing) of at least 5,000 lei and carry out at least one transaction through Mobile Banking in the amount of at least 50 lei among those provided for in art. 4.2 of the official campaign regulations available below;
  • have income reported to ANAF;
  • meet the Bank's eligibility conditions for opening an online account and granting online loans.

The benefits of the Campaign do not cumulate with the benefits of other ongoing campaigns. Details about the eligibility conditions for contracting the bank’s products and the cost structure (interest, commissions) can be found on the website www.garantibbva.ro.

  • In addition to the above conditions, until September 15, 2026:
  • the Mobile Banking application, Garanti BBVA Mobile, must be active;
  • the 100% online personal loan contracted during the campaign must be ongoing.

Individuals who are employees or collaborators of Garanti Bank SA, Motoractive IFNSA, Pro Human APT Resources SRL and PRO Human APT Broker SRL are not eligible to participate in the Campaign.

The bank reserves the right not to grant, cancel or recover the bonus related to the campaign in case of identifying situations that contravene the purpose, conditions or regulations of the campaign.

About the Bonus

  • The Campaign consists of granting a Bonus worth 200 lei to clients who meet the conditions of the Campaign . The gross value of the bonus is 222.22 lei for Clients tax residents in Romania and, respectively, 238.10 lei for Clients tax non-residents in Romania.
  • The Bonus will be paid by September 15, 2026 for clients who meet the conditions of the Campaign. It will be paid into the client's RON-denominated current account opened at GARANTI BANK SA. The RON-denominated current account must be active until the Bonus payment related to the Campaign is made.
  • Only one bonus will be granted per Customer regardless of the number of 100% online personal loans without real estate collateral for Standard purposes purchased during the Campaign period.
  • If, on the date of granting the bonus, the account in which its payment is to be made is unavailable, this amount will be subject to the legal conditions resulting from the conduct of any recovery and/or forced execution procedures, the Organizer being in this case exempted from any liability as a result of fulfilling legal obligations.

See the full campaign rules below.

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Costs and fees

Instalment value:

Period:

Monthly commission:

Commission analysis:

Evaluation commission:

Interest rate:

Total payment amount:

Effective annual interest rate:

Exchange rate information

All of the domestic and international market tables and graphs appearing on the www.garantibbva.ro website have been obtained from outside parties that provide services on such matters and have been prepared for the purpose of providing information in a general sense without any benefit being derived from them by Garanti BBVA. The validity of the tables or graphics appearing on our website is in no way guaranteed by Garanti BBVA and this information is not being provided for the purpose of securing any particular gain.

For this reason, Garanti BBVA cannot be held responsible for any direct or indirect material or moral losses or expenses that may arise on account of errors or deficiencies in the information contained in these tables and graphs or on account of transactions based on this information, or on account of any losses or expenses that outside parties may occur in any way whatsoever.

The communications/messages in electronic format do not include the essential elements to conclude a valid contract; do not represent an offer to conclude a contract or a binding intention for granting a financing facility, another product or for providing a service. The recipient’s acceptance of the terms and conditions available in electronic mail shall not be considered as a valid conclusion of a contract.

For the valid conclusion of a contract it is necessary to determine all essential elements by the competent approval authority of the bank and the written form of the contract signed by the parties involved.