Credit Card Debt Payment

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Make your credit card debt payments from anywhere you want.

With CepBank, you can pay your or someone else's Garanti Bank credit card debt with just a single SMS.

To pay your own Garanti credit card debt:

  • Type KART, leave a space,
  • Enter the “last 4 digits” of your relevant credit card and leave another space,
  • Enter the amount in TL and leave another space,
  • Enter your CepBank PIN and send it to 3333 via SMS from your mobile phone.

Sample SMS: KART 4765 500 1234

To pay someone else's Garanti credit card debt:

  • Type KART, leave a space,
  • Enter the “16-digit” number of the relevant credit card and leave another space,
  • Enter the amount in TL and leave another space,
  • Enter your CepBank PIN and send it to 3333 via SMS from your mobile phone.

Sample SMS: KART 5406601223456789 500 1234

* The SMS charge, payable by the sender, is 1 SMS for invoiced and prepaid lines.

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Help and AdviceHelp and Advice

  • Can I change my Cep Bank PIN? What happens if I enter it incorrectly or I forget it?

    You can change your Cep Bank PIN through the Cep Bank menu in Internet Banking. Find out more

  • How and from which Garanti Paramatik ATMs can I withdraw the money sent via Cep Bank?

    The money sent via Cep Bank can be drawn from any Garanti Paramatik without using a card. Find out more

  • Is there a fee for Cep Bank? Will I be charged for the Cep Bank SMSs?

    The transaction fee for sending money via Cep Bank is TL 1. Find out more