FX Current Account

• With your FX Current Account, you can deposit and withdraw your foreign currency by using Garanti BBVA ATMs whenever you wish.

• You can invest your savings in USD, EUR, GBP, JPY, AUD, CAD, CHF, DKK, MTL, NOK, SAR, SEK, and RUB.

• You can transfer money in a foreign currency.

• You can perform your banking transactions via Garanti BBVA Mobile, Internet Banking, and Customer Communication Center, and keep track of your account.
  

Account Management Fees in 2nd Half of 2019

*Regarding FX current accounts, the exact fee equivalent to 125 TL will be determined at the time of fee collection according to the most recent exchange rate announced by the Central Bank of Turkey.

BITT is included. The account management fee is collected twice a year, in 6-month periods. All current accounts that are opened in Cyprus (Northern Cyprus) and do not meet exemption criteria are subjected to and thus have to pay the account management fee.

*Statements are sent upon the customer's request.

The account management fee is charged twice a year (in January and July). For payments that cannot be collected in January and July, the collection of the account management fee can be made on a partial basis by checking the account balance in other months.

The account management fee for 2nd half of 2019 is collected as of January 2020.
No account management fee will be collected from the accounts meeting the exemption criteria specified hereinbelow. The accounts that you don’t want to use can be closed before the fee collection date without any additional cost. The account closure can be performed through Garanti BBVA branches, Garanti BBVA Internet Banking, and Garanti BBVA Customer Communication Center.
No account management fee is collected from the accounts having the features specified below:

• Current accounts to which the salaries of our customers are deposited through a salary agreement.

• Accounts from which companies make their employees' salary payments.

• TL/USD/EUR current accounts through which standing payments of customers holding an accumulating/saving account are made.

• Current accounts that are opened for Guaranteed Future Account and are only used within the scope of the said product.

• Student Accounts held by customers who are 25 years of age or younger.

• Foreign currency accounts through which standing payments for foreign currency-linked personal loans are made.

• TL current accounts to which the Fund Basket product is linked.

• Current accounts at Private Banking and Malta branches that belong to Private Banking customers.

• Current Gold Accounts.

• Accounts for the payment of non-performing loans that have been restructured (change of payment plan or issuance of new loan).

• Current accounts that are only used for personal loan transactions.

• Current accounts that are only used within the scope of the Installment Money product in credit cards.

• Current accounts that are only used for credit card payments.

• Current accounts that are only used for time deposit extensions.

• Current accounts that are only used for loan- or credit card-related insurance payments.

• All current accounts of customers whose accounts show no account activity for 180 days as of the accrual date of the account management fee.

• Current accounts that are opened in the last month.

• Current accounts showing no activity throughout the account management period.

• Accounts for the payment of non-performing loans that have been restructured (change of payment plan or issuance of new loan).

• On accounts for which there are 5 business days or less until the execution of bill payment, standing payment, private school tuition payment, or personal loan installment payment, the account management fee is reflected after the aforesaid payments are made.

• Loans with overdue installments are considered as pending payments, and the account management fee is reflected after the payment is made.

• The exemption criteria specified above are determined by the Bank and may be updated in the future.