Frequently Asked Questions

General questions

If the courier doesn’t find you at home, the card is returned to the bank. In order to reissue the card, you have to call Customer Communication Center 0800 80 1234 toll-free number, in any fixed line or +40 21 200 94 94 – regular tariff number in any network, daily schedule between 9.00 and 22.00.

In order to find out the stage of the Credit Card Issue Request approval, you can visit any Garanti BBVA agency or call Customer Communication Center BBVA 0800 80 1234 toll-free number, in any fixed line or +40 21 200 94 94 – regular tariff number in any network, daily schedule between 9.00 and 22.00.

If that should happen, please call Customer Communication Center BBVA 0800 80 1234 toll-free number, in any fixed line or +40 21 200 94 94 – regular tariff number in any network, daily schedule between 9.00 and 22.00, and let us know right away that your card got lost or stolen. By doing this, you will bear no legal responsibility for the transactions made with your card after reporting it lost or stolen.

Please bring a copy of your new ID and a signed request to the nearest Garanti BBVA agency.

Questions regarding the supplementary cards

You can request a supplementary card by visiting any Garanti BBVA agency or by calling 0800 80 1234 toll-free number, in any fixed line or +40 21 200 94 94 – regular tariff number in any network, daily schedule between 9.00 and 22.00.

You, as the main holder of the card, will decide the daily limit of the supplementary credit card. Please mention this percentage when you request the issue of a supplementary card.
Yes, you can do this by visiting your closest Garanti BBVA agency and filling out the dedicated form.
The payments made with the supplementary card are mentioned separately from those made with the main card. The minimum paying amount shown in your account statement includes the payments made with the supplementary card.

Questions about the PIN Code

You can find out your PIN code after activating your card, by calling Customer Communication Center BBVA 0800 80 1234 toll-free number, in any fixed line or +40 21 200 94 94 – regular tariff number in any network, daily schedule between 9.00 and 22.00. If after activating your card you can’t obtain your PIN code, it will be sent to you by courier.

You can find out your PIN code by calling Customer Communication Center BBVA 0800 80 1234 toll-free number, in any fixed line or +40 21 200 94 94 – regular tariff number in any network, daily schedule between 9.00 and 22.00.

The PIN code can be changed by calling Customer Communication Center BBVA 0800 80 1234 toll-free number, in any fixed line or +40 21 200 94 94 – regular tariff number in any network, daily schedule between 9.00 and 22.00.

Questions about the installment plan / credit limit

The account statement offers detailed information about the credit card limit, bonus, balance, payments and other transactions made with the credit card during the month it refers to.
You can visit us at the nearest Garanti BBVA agency, where you can request a credit limit increase on your credit card.

In order to modify this date, you must call Customer Communication Center BBVA 0800 80 1234 toll-free number, in any fixed line or +40 21 200 94 94 – regular tariff number in any network, daily schedule between 9.00 and 22.00. You can only change the issue date of the account statement once a month, for a maximum of two times a year.

If you wish for your minimum payment amount to be automatically withdrawn from your account at the due date, please notify the Garanti BBVA agency where your account was open or call 0800 80 1234 toll-free number, in any fixed line or +40 21 200 94 94 – regular tariff number in any network, daily schedule between 9.00 and 22.00. It is absolutely necessary that you have the requested amount in your account at the time of the automatic withdrawal.

No, it is not possible to do this. The minimum payment amount can be automatically withdrawn only from your account at the due date.
It’s the period in which no interest will apply to your commercial payments, if the used amount, is fully paid by the due date for which the account statement has been requested. It can be up to 50 days: 30 days for the transaction cycle, plus 20 days for the minimum payment amount.
No, if the used amount is fully paid by the due date, then no interest will apply to your commercial payments. If you opt for the partial payment of the used amount, then the interest will apply from the date of that particular transaction until the due date. In case of cash withdrawals, the interest will apply from the date of the transaction until the due date.

For your monthly installments, you have the following payment options: 

  • at the Garanti BBVA ATMs;
  • Using Garanti BBVA Online
  • at any Garanti BBVA agency; 
  • through a phone call at Customer Communication Center BBVA; 
  • through a bank transfer from other banks; 
  • through Direct Debit.

You can pay you monthly installments at any Garanti BBVA agency or by calling Customer Communication Center BBVA 0800 80 1234 toll-free number, in any fixed line or +40 21 200 94 94 – regular tariff number in any network, daily schedule between 9.00 and 22.00.

Questions about cancellation of the installments

Installments plans can be canceled at any time either by contacting the Customer Communication Center BBVA service or by written request in one of Garanti BBVA agencies.
In case of reimbursement / repayment in advance of the installments for the transactions performed with Bonus Card, on next statements will be emphasized both the initial installments and refunded / reversal installments, until the last posting installment applicable to each transaction. Also, on following account statements can occur a gap between initial posting installments and due refunded / reversal installments from data perspective in which the poster installment and posting reimbursement / returned installment were performed. Thus, some statements can be decreased with the amounts from offset installments and others statements may be increased by the amounts representing pairs of offset transactions and previously recorded.

The simple transfer of certain amounts that exceed total current debt on card account does not imply automatically cancellation of the installments plans. In case you want to pay in advance, partial / total, of future installments, either you contact Customer Communication Center service or request in writing, in one of Garanti BBVA agencies.
In this case the amounts of the reimbursed installments, paid in advance will be posted, representing a current debt. Otherwise, the available amounts from credit card account will be automatically transferred to the card at the time the future installments will be posted for payment or if other transactions will be performed with instantly posting.

Questions about contactless technology

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.

Questions about the bonus

The bonus you earn can easily be used at any Bonus Card Partner Store, at any time. No need for waiting. No need for phone calls. You get to decide when and what to buy, free of charge! 1 Bonus point = 1 RON. You can choose to use only part of the earned bonus in order to fully or partially pay for your shopping at any Bonus Card Partner Store. All you have to do is remind the seller at the time of the payment that you wish to pay by using the accumulated bonus. The available bonus can be used in Bonus Card network of physical stores which can be found in Partners list.

Each time you buy something, anywhere in the world, you earn 0.3% bonus in the non-partners stores. Plus, in the Bonus Card Partner Stores, you can earn up to 10% bonus. All you have to do is ask the seller to use the POS Garanti BBVA. Buy more, earn more!
The bonus never expires! It is stored on your card chip and can be used for free shopping anytime you want!

Yes, you earn bonus even if you choose an installment plan.

During Special Campaigns the standard bonus for installments is not granted and the campaign conditions apply. For an updated list of campaigns click here.

Partner stores can run Special Campaigns for a fixed period in which installments and / or bonus are granted in addition to the standard conditions. For an updated list of campaigns click here.

Write to us and a Garanti BBVA consultant will contact you as soon as possible.

You also have at your disposal the phone numbers where you can call Customer Communication Center BBVA at 0800 80 1234 toll-free number, in any fixed line or +40 21 200 94 94 (regular tariff number in any network), daily schedule between 9.00 and 22.00.