Garanti BBVA Romania (Garanti Bank S.A., NBR code RB-PJR-40-066) is part of the Garanti BBVA group, in which the Spanish BBVA group is the majority shareholder.
The exact shareholder structure should be checked in the bank's official reports; we do not reconstruct it from secondary sources.
The essentials
For the customer, the relevant entity is the one in the agreement: Garanti Bank S.A., a bank listed in the NBR register of credit institutions. Check the legal name and register code before signing.
What is on offer in 2026
Garanti BBVA's retail offer in June 2026 rests on four distinct lines.
Bonus cards
The Bonus programme is, alongside FX loans, the bank's signature. Bonus Classic: zero issuance fee, monthly cost 7 RON, 1.2% cashback on dedicated categories, monthly cap 87 RON. Bonus Premium: monthly cost 28 RON (free at 2,350 RON turnover), 2.3% cashback on dedicated categories, monthly cap 247 RON. Dedicated categories are updated quarterly but consistently include supermarkets, fuel, pharmacies.
Personal loan
The published personal loan limit is 250,000 lei, with a standard term of up to 60 months. Extended refinancing of certain older loans has separate conditions. The bank confirms interest and total cost after assessing the profile; an ended campaign tariff does not automatically describe the current offer.
FX loans
Garanti BBVA remains one of the few banks offering EUR and USD loans to individuals with income in the same currency. The product implicitly targets the Romanian community abroad (Germany, Italy, UK), buying or renovating homes in Romania.
Mortgage loans
Mortgage terms (down payment, term, rate after the fixed period) are confirmed in the personalised offer and the ESIS. We do not publish a mortgage APR here without a verified official source.
Interest rates and APR in 2026
For a broader view of cashback offers on the market, see our guide on choosing a cashback credit card in 2026.
Alternatives to Garanti BBVA for 2026
For cashback cards, BCR Mastercard Gold and Banca Transilvania STAR are real alternatives. For EUR loans, Raiffeisen and ING still offer the option, with slightly different conditions. For Romanian clients with income abroad, BT and BCR run diaspora-specific processes. Check our personal loan comparison for amounts and terms.
Editorial disclaimer
This article presents an independent analysis, not personalised financial advice. Data on rates, conditions and the Bonus programme reflects the Garanti BBVA Romania list offer as of 13 June 2026 and is subject to change without notice. Kreditano earns affiliate commissions for applications routed via the platform, without affecting editorial independence. For an exact offer, request a personalised simulation directly with the bank.
Editorial verdict
Garanti BBVA in June 2026 has a clear identity: mid-sized bank, focus on the Bonus card programme and the FX-income segment. For clients actively using a credit card in the dedicated categories, accumulated cashback can partially offset loan interest. For Romanians with foreign income who want an EUR loan to invest at home, the offer stays among the more accessible on the market. For the standard employee with no interest in the Bonus programme, other mid-sized banks deliver comparable APR with less paperwork. I would compute the total cost (loan plus card fees plus estimated cashback) before deciding.
Related articles
How to choose a cashback credit card in 2026, EUR loans: the legal conditions and the traps, Loan refinancing comparison 2026.
Verified data for this institution
Checked: · Garanti BBVA
Registered entity: Garanti Bank S.A. · Registrul Instituțiilor de Credit · RB-PJR-40-066
The example belongs to the cited product and assumptions. It does not describe every product from the institution.