Frequently Asked Questions

The SWIFT code you should use to make money transfers from abroad to domestic Garanti BBVA branches: TGBATRISXXX

You can perform your transaction by including the name and surname of the recipient, IBAN of the recipient, or the branch code along with the account number.

You can update your address, home or business phone number, fax, e-mail address, or internet information via Garanti BBVA Internet Banking, and you can change your mobile phone number from Garanti BBVA ATMs and branches. To update your personal details and ID information, you can visit the nearest branch.

You earn bonus on all purchases you make abroad and in Turkey. If you shop at Bonus Card program partners, you earn even more bonuses whether you pay in installments or make a one-time payment. You can see the amount of accumulated bonuses within a payment period under the "Earned bonuses" section on your Bonus card statement. You can use your accumulated bonuses to shop for "free" at any Bonus Card program partner whenever you wish. You can spend your bonuses earned on purchases at Bonus Card merchants right away while you have to wait 1 day to spend bonuses earned from shopping at other stores. Your accumulated bonus amount is indicated under the "Earned Bonuses" section on your card statement. The amount of your accumulated bonuses is as shown on the latest card statement.

When you want to spend your bonus, you don’t have to get approval, wait for a gift voucher, or wait to reach a limit. You can immediately spend your accumulated bonus at Bonus Card program partners.

When you don’t spend the bonus you earn on your purchases, it continues to accumulate in the chip on your card for you to spend it for free shopping whenever you wish. These bonuses have no expiration date. You can use them anytime you want.

A credit card is a long-term credit relationship where the cardholder receives several services from the bank. Annual credit card membership fees, in this regard, are required from the cardholder once a year in accordance with the relevant legislation as compensation for the operational activities and various services carried out by the bank from the time of the card request until the cancellation of the card.

Funding your purchases, credit cards are not just a payment tool made of plastic but a high-tech product with many cost and investment items. Adopted as a standard practice across the world, the credit card membership fee is not exclusive to Turkey and has a legal basis as per Turkish laws and the agreements we have entered into with you as the cardholders. Our bank has different credit card programs such as Bonus Card, Miles&Smiles credit card, Flexi, and American Express to meet the different needs of our customers, and annual card membership fees differ according to the services offered.