Cardless Transactions


Garanti BBVA Customer or not, enjoy the comfort of performing cardless transactions on ATMs!

No need to worry if you have left your card at home. You can perform many transactions on ATMs by only pressing the “GİRİŞ” button.

You can perform many transactions such as money transfers, debt payments, bill transactions and counter top-ups without using a card. What’s more, you don’t even have to be a Garanti BBVA customer!

Money Transfer/Withdrawal without Bank Account

Through the “Money transfer without Bank Account” step on ATMs, you can send money to any mobile phone number that you want:

  • All you have to do is to enter your own T.C. Identity Card number, date of birth, mobile phone number, and the receiver’s T.C. Identity Card number and mobile phone number.
  • You can withdraw the money sent to you with a “Money transfer without Bank Account” transaction from any Garanti BBVA ATM by entering your T.C. Identity Card number, date of birth, the mobile phone number of the person that has sent you the money and the amount information.
  • Money Transfer without Bank Account is only possible via ATMs in Turkey.

Credit Card Debt Payment by entering Card or Customer Number

You can easily pay your credit card debt through Garanti BBVA ATM:

  • Your payment will be in effect as of the day you perform the transaction.
  • If the amount you deposit is more than your credit card debt, this amount is credited to your card as payment.
  • You can view your payment through the “Current Billing Cycle Transactions” step within 2 days.

Depositing Money into a Current Account by entering Account Number or Paracard Number

  • You can deposit money into a Garanti BBVA account without using your Paracard. All you have to do is to enter the branch code of the relevant account and the account number or the Paracard number.

CepBank Money Withdrawal

  • From ATMs, you can immediately withdraw the money sent via CepBank with the informative SMS that comes to your mobile phone.

Money Withdrawal by using Mobile Signature

  • From ATMs, by using your Mobile Signature and approving it with your mobile phone, you can withdraw up to TL 800 daily from your current account.

Money Withdrawal with Şifrematik/Cep Şifrematik

  • From ATMs, with your customer number, registered mobile phone number and the PIN generated by Şifrematil/Cep Şifrematik, you can withdraw up to TL 800 daily from your current account.

General Purpose Loan Application

  • You can apply for a General Purpose Loan through Garanti BBVA ATMs without having to wait in line at the branch.

Bill Payment

  • You can pay your bill without having to wait in line at the branch and receive the change as coins.

University-ÖSYM Payments

  • You can make your University or ÖSYM payments through any ATM without having to wait in line at the branch and receive the change as coins.

Mobile Top-Up

  • Whether you are a Garanti BBVA customer or not, you can top-up TL amount to your Turkcell Prepaid, Avea and Vodafone lines through Garanti BBVA ATM.
  • You can also buy TL amount for D-Smart through Garanti BBVA ATM.

Games of Chance Payments

  • Through Garanti BBVA ATM, you can deposit money to be immediately transferred to your or account.


Much more than money withdrawalMuch more than money withdrawal

Much more than money withdrawal

Help and AdviceHelp and Advice

  • How Can I Define Garanti BBVA Internet Banking?

    If you have a valid Garanti Credit Card or Paracard, it can be defined through, 444 0 333 Garanti BBVA Customer Communication Center or Garanti BBVA ATM. If you do not have valid mentioned products, it can also be defined via our branches. Find out more

  • How Can I Log in to Garanti BBVA Internet Banking?

    In order to log in to internet banking safely, your Customer Number or National ID number of TC must be entered prior to *password. You can complete your login via *pin which is a disposable number to use while logging in to internet banking after you enter your password and it is sent to your mobile phone by SMS. Find out more

  • Which transactions can I perform through ATMs?

    You can perform the following transactions with your Paracard. Find out more

  • CepBank ile nasıl para gönderebilirim?

    Para göndermek istediğiniz kişinin cep telefonu numarasını ya da Paracard/Paracard Trink numarasını yazıp bir boşluk bırakın ve 1 TL ve katları olmak üzere göndermek istediğiniz tutarı yazarak tekrar boşluk bırakın. CepBank şifrenizi ekleyerek cep telefonunuzdan 3333'e kısa mesaj (SMS) atabilirsiniz. Find out more