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.
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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.

Ușor de obținut

Online

Pentru acest produs poţi aplica uşor printr-un formular online

În agenții

Poți veni in oricare din agențiile Garanti BBVA

Documents required*:

  • 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:
  • Copy of one of the following utility invoices: fix/mobile phone, electric power, natural gas.

*During file analysis the bank may request supplementary documents

Garanti BBVA face parte din categoria instituțiilor de credit care contribuie la schema de garantare a depozitelor, administrată de Fondul de Garantare a Depozitelor Bancare.

Banii clienților din conturile curente, cei din conturile de economii precum și cei din depozitele la termen Garanti BBVA sunt garantați până la concurența sumei de 100,000 EUR, în echivalent Lei, conform criteriilor menționate în Formularul pentru Informațiile Oferite Deponenților, precum și în Lista Depozitelor Excluse de la Garantare, vezi aici.

Poti vizualiza Documentul de informare cu privire la comisioane pentru Cont curent în EUR aici.

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