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        Overdraft Account

        Overdraft Account Calculator

        Apply for an overdraft account easily and swiftly!

        What is an overdraft deposit account (advance account)?

        An overdraft deposit account is the advance account that you can use for your payments at any moment even if you don't currently have funds in your account. Your overdraft deposit account always contains some amount of money for you to use when you need it. You can use the money in this account for making cheque, tax, bill, and emergency payments, as well as withdrawing it in cash.
        What's more, it is now easier than ever to apply for an overdraft! You can apply for an overdraft deposit account via Garanti BBVA Internet Banking, Garanti BBVA Mobile, or garantibbva.com.tr and take advantage of having your overdraft ready without going to a branch.

        • Features

          • The interest charged for the days you use the overdraft in a month is set off against your account balance in the next month.
          • Your debt gets automatically settled and closed out once you deposit money in your account.
          • With an overdraft account, you don't have to worry about failing to pay your cheques when you don't receive your payments on time.
          • You don't delay your bills or other payments when you don't have enough funds in your account.
          • If you use your overdraft limit throughout the month, you will receive an overdraft account statement. No fee is charged for electronic account statements. If the statement is delivered by mail, then a statement fee of TL 1.54 is collected from the customer.
          • Overdraft account statements are issued monthly on the last business day of the month followed by a business day. The last payment date is the overdraft account statement date of the following month.
          • SMEs that are sole proprietors (sole traders) can apply for an overdraft account via Garanti BBVA Internet Banking or Garanti BBVA Mobile.
          • Our SME customers can utilize an overdraft amount of up to TL 12,000 via Garanti BBVA Internet Banking or Garanti BBVA Mobile. To use amounts higher than the stated, our branches may be consulted.
          • If you are using Garanti BBVA Internet Banking or Garanti BBVA Mobile to access your overdraft account for which you made an application at the branch, you will only see your accounts at the relevant branch. If you don't have an account at the relevant branch that is open to be used via Garanti BBVA Internet Banking or Garanti BBVA Mobile, a new current account will be opened.
          • Customers possessing a document showing they are a "Farmer" active in the agriculture sector and corporate SME customers cannot apply for an overdraft account via Garanti BBVA Internet Banking or Garanti BBVA Mobile.