Overdraft
Unexpected expenses can occur anytime! Build a safety net to manage necessities and desires with the Overdraft.
- Sometimes, the secret of being happy is to keep the balance between the money spent on things you like and the money spent on necessities. Be more flexible with the Garanti BBVA Overdraft! Get one just in case you need a safety net between bills going out, payments coming in and desires.
Product features
- You can get up to 3 salaries but not more than 3,000 EUR in Lei equivalent or up to 6 salaries but no more than 10,000 EUR in Lei equivalent, if your employer has signed a salary convention with Garanti BBVA
- You have the possibility of refinancing overdraft limits from other banks
- At the end of the month, the amount to be paid will consist only of the interest calculated for the used amount
- If you’re not using the overdraft, no fees will be paid
See all the loans interests rates and commissions here.
Overdraft is easy to get
- Identity card
Documents attesting the income from salaries, rents, service provision, freelance activities, dividends, pensions, etc (more details at Garanti BBVA agencies);
- If your salary is reported to ANAF we only need your approval to check ANAF database, no income statement required in this case;
- If your salary is not reported to ANAF the following documents are required:
Income statement for the last 3 months
*During file analysis the bank may request supplementary documents
We are waiting for you in one of the Garanti BBVA agencies, which you can find here.
- Complete the process and enjoy your Garanti BBVA account
You might also be interested in
Loan calculator
Loan calculator – Housing and Personal Needs Calculate your housing loan or personal needs loan rate What do you dream about when no one can
Find out more
Energy efficient house loan
We’re here to introduce you the new Energy efficient house loan. Some things happen naturally, in their own time. And there is no better moment
Find out more
Personal loan with mortgage
What are the conditions for obtaining a personal needs loan with mortgage
Find out more
- Persoane fizice
- Loans
- Overdraft
