Information about fees for standard current account in lei

At your fingertips, you have all the available information about the fees charged for using the main services linked to your payment account. You can easily compare the fees charged for other accounts.

It is also important to know that fees may also be charged for the use of account-related services, which are not included in the table below. Full information can be found in Standard rates and fees for Individuals.

Here are the services we offer you and the fees for them:”

Service Comission
General account services
Account administration 5 LEI/month*
Payments (except card transactions)
In bank's agencies:
Credit transfer - intrabank payments 12.5 LEI
Credit transfer - interbank payments:
0 - 5,000.00 LEI
> 5,000.01 LEI
Urgent payments, any amount		 12 LEI
20 LEI
20 LEI
Standing order in favour of another customer of GARANTI BANK S.A 12.5 LEI
Standing order in favour of another bank's customer:
0 – 5,000.00 LEI
> 5,000.01 LEI		 12 LEI
20 LEI
Via Internet Banking / Mobile Banking/ PISP**:
Credit transfer - intrabank payments 0 LEI
Credit transfer - interbank payments:
0 - 5,000.00 LEI
> 5,000.01 LEI
Urgent payments, any amount		 3 LEI
5 LEI
5 LEI
Direct debit - intrabank payment 0 LEI
Standing order in favour of another customer of GARANTI BANK S.A 0 LEI
Standing order in favour of another bank's customer:
0 – 5,000.00 LEI
> 5,000.01 LEI
 3 LEI
5 LEI
Cards and cash
Providing a debit card 0 LEI
Providing a credit card 0 LEI
Cash withdrawals from bank's ATM 0.2%, minimum 0.1 LEI
Cash withdrawals in LEI from ATM/POS of other banks in Romania 1,25%, minimum 7LEI/transaction
Cash withdrawals in LEI from the bank's counter 1,5%, minimum 10 LEI
Cash deposits 0 LEI
Incoming payments from an account with another service provider 0 LEI
Account overdraft and related services
Overdraft Interest rate: IRCC 3M + 7.98%
Other services
Internet Banking & Mobile Banking activation without token 0 LEI
Internet Banking & Mobile Banking activation with token 15 LEI
Internet Banking (administration) 5 LEI/month
Mobile Banking (administration)*** 0 LEI
Token device replacement 15 LEI

*The fee does not apply to minors and student accounts.
** Payment initiation service provider.
***Mobile Banking can only be accessed by accessing Internet Banking.

You can also review below, free of charge, the Glossary of terms used throughout this document

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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