Fees for the standard current account in Euro

You have at hand all the information about the fees that are charged for using the main services related to the payment account. Fees may also be charged for the use of account-related services, which are not included herein. Complete information can be found in the Standard Fees and Charges for Individuals

Service Commission
General account services
Administration of account 5 LEI/month (EUR equiv.)*, until 30.06.2024
7.5 LEI/month (EUR equiv.)*, starting with 01.07.2024
Payments (with the exception of card transactions)
In the Bank’s branches:
Credit transfer in favour of a customer of GARANTI BANK S.A. 12.5 LEI (EUR equiv.)
Credit transfer - interbank payments in EUR to countries within the SEPA region (including recurring/scheduled payments):
0 – 5,000.00 LEI (EUR equiv.)
> 5,000.01 LEI (EUR equiv.)

12 LEI (EUR equiv.)
20 LEI (EUR equiv.)
Credit transfer in favour of other bank’s customers - interbank payments in EUR to non-SEPA countries/ in another currency regardless of the country 0.25%, minimum 20 EUR, maximum 2,000 EUR (the OUR type commission depending on the value and/or currency of the transaction shall be added hereto)+ Swift message: 10 EUR/payment
Standing order in favour of another customer of GARANTI BANK S.A. 12.5 LEI (EUR equiv.)
Commissions charged for foreign currency payments made with the OUR option at the bank's cash desks:
a) payments in EUR
0 - 12,500.00
12,500.01 - 25,000.00
25,000.01 - 50,000.00
> 50,000.01
b) payments in other currencies


10 EUR/payment
20 EUR/payment
25 EUR/payment
60 EUR/payment
15 EUR/payment (echiv.)
Through Internet Banking/ Mobile Banking/PISP**:
Credit transfer in favour of a customer of GARANTI BANK S.A. 0 EUR
Credit transfer - interbank payments in EUR to countries from the SEPA area
0 – 5,000.00 LEI ( in equivalent)
> 5,000.01 LEI ( in equivalent)
3 LEI (in echivalent)
5 LEI (in echivalent)
Credit transfer in favour of other bank’s customers - interbank payments in EUR/ other currency irrespective of country (non-SEPA)
Urgent transactions, any amount*** 		75 LEI (EUR equiv.)
135 LEI (EUR equiv.)
Standing order in favour of another customer of GARANTI BANK S.A. 0 EUR
Card and cash
Providing a debit card Not applicable
Providing a credit card Not applicable
ATM/POS cash withdrawals outside Romania Not applicable
Cash withdrawals in EUR from bank counters 1.5%, minimum 5 EUR, until 13.06.2024
2%, minimum 5 EUR, after 14.06.2024
Cash deposits EUR banknotes 0 EUR
Cash deposits in EUR coins (only 1 and 2 EUR coins accepted) 10%
Receipts of amounts from the account opened with another service provider 0 EUR
Overdraft and related services
Overdraft Not applicable
Other services
Activating Internet Banking & Mobile Banking without token 0 LEI
Activating Internet & Banking with token 15 LEI
Internet Banking (administration) 5 LEI (EUR equiv.)
Mobile Banking (administration)**** 0 LEI (EUR equiv.)
Token replacement 50 LEI (EUR equiv.)

* The commission does not apply to the account for minors and the account for students.

** Payment initiation service.

*** The cost shall apply in addition to the standard commission for payments in foreign currency in favour of the clients of other banks.

****The Mobile Banking service can only be accessed through the Internet Banking service.

GLOSSARY OF TERMS

Item no. Categorie de servici
/ servicii semnificative*		 Significant services (trade name practiced by Garanti Bank S.A.) Definition*
1. Administration of Current account Administration of Current account The account provider manages the account for the customer's use.
2. Providing a debit card Bonus Debit Card issuance and renewal The account provider provides a payment card associated with the customer's account. The amount of each transaction made by card is taken in whole or in part from the customer's account.
3. Providing a credit card Credit card issuance (Bonus Card) The account provider provides a payment card linked to the customer's payment account. The total amount of card transactions during an agreed period is taken in whole or in part from the customer's payment account on an agreed date. A credit agreement between the provider and the customer determines whether the customer must pay interest on the loan.
4. Overdraft Overdraft The account provider and the customer agree in advance that the customer can lend money when there is no money left in the account. The agreement sets out the maximum amount that can be lent and whether there are any fees and interest payable by the customer.
5. Credit transfer Payments towards GARANTI BANK S.A. customers/other bank customers The account provider transfers money, based on an instruction given by the customer, from the customer's account to another account.
6. Standing order Standing order The account provider makes regular transfers, based on an instruction given by the customer, of a fixed amount of money from the customer's account to another account.
7. Direct debit Direct Debit The customer authorizes another person (the recipient) to instruct the account provider to transfer money from the customer's account to that recipient. The account provider then transfers the money to the recipient on a date or dates agreed by the customer and the recipient. That amount may vary.
8. Cash withdrawal Cash withdrawal The customer withdraws cash from the customer's account.
9. Cash deposit Cash deposit Depositing cash into the customer's account.
10. Collection of amounts from the account opened with another service provider Cash in for the current account The provider collects money for a client of the bank from an account opened with another payment service provider, based on the latter's instructions.
11. Internet Banking Internet Banking (Garanti BBVA Online) The provider offers a service with the help of which information about the account is accessed, the account statement is viewed, transfers are initiated, direct debit mandates are set, etc. through the internet.
12. Mobile Banking Mobile Banking (Garanti BBVA Mobile) The provider offers a service, through the personal phone, with the help of which information about the account is accessed, the account statement is viewed, transfers are initiated, direct debit mandates are set, etc.
13. Token device replacement Reactivation of Internet Banking (in case of loss/theft of the device) Provider's offering of a token device in the event of loss/destruction/theft of the original token device.

*) the names and definitions of services are taken from GD 39/30.01.2019 for the approval of the List of the most representative services related to a payment account.

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