On August 15, 2024, I encountered an exchange rate issue while making a transportation purchase with my Garanti Bank Bonus Credit Card. I used my Garanti Bonus credit card to purchase a plane ticket worth $2,207.63 from Qatar Airways' website. On that day, Garanti Bank's USD exchange rate was 34.2240 (see Attachment 1). Therefore, the transaction should have been 2,207.63 * 34.2240 = 75,554 TL. However, 77,483.80 TL was charged for this purchase made with my Garanti Bonus card (see Attachment 2). This corresponds to an exchange rate of 77,483.80 / 2,207.63 = 35.0981 TL per USD, which has never been seen in a bank before. There was a difference of 1,929.80 TL. I contacted Garanti Bank's Customer Communication Center over the phone, and a complaint was filed under the number 5434686. The following day, I called customer service again. I was told that the department in charge of this issue would process the transaction based on the exchange rate on the day it was moved from provisional to posted. This explanation appeared illogical to me. I was expecting the exchange rate on the day of my transaction, August 15, 2024. My transaction was posted on August 16, 2024. Interestingly, the closing USD exchange rate on August 16, 2024 was 34.66 (see Attachment 3). Even at this exchange rate, the transaction should have totaled 34.66 * $2,207.63 = 76,516 TL. I reported the situation again to customer service, and a new complaint was filed under the number 5434686. I do not want such an incident to shake my trust in Garanti Bank. I request that I be notified of this matter via SMS, and that the excess amount charged be refunded. Sincerely,
On September 10, 2025, at 11:34 AM, I used a cash advance account of ₺250,000 via Garanti BBVA. Although I fully repaid this advance on September 11, 2025, at 06:18 AM, I noticed that the bank charged me 2 days of interest. Even though the transaction duration was less than 24 hours, instead of the ...
I bought something in Dubai, UAE on October 23, 2023. It cost me more than 16,100 dirhams, which should be around 4,359 USD based on the exchange rate of 3.67 dirhams per USD. However, Garanti Bank took 130,353.91 Turkish Lira from my credit card, which is equal to 4,635 US dollars. Based on my calc...
On March 12, 2024, at approximately 10:27 PM, I made a deposit of ₺8,600 at the Garanti Bank ATM. The deposit consisted of ₺200 and ₺100 bills. I used the cash deposit feature on the ATM screen to deposit the remaining amount using ₺50, ₺20, and ₺10 bills. Unfortunately, the ATM encountered an error...
On August 20, 2025, I noticed that a fee of ₺841 was charged to my Garanti Bank Bonus credit card as an annual card fee. After discovering this, I contacted customer service and requested a refund. However, I was told that the fee would only be refunded if I kept my card open for nine months, and ot...
On December 7, 2024, I spoke with Garanti Bank’s customer service over the phone and applied for an American Express credit card. I was informed that the annual membership fee was ₺1800 and that it would be charged on my second statement, which I accepted. However, when I received my statement, I sa...
Comments