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Utility Bill Overdraft Account

The account that pays bills even if there is no money in the account.
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If you have a Utility Bill Overdraft Account at Garanti, your bills are paid on time even if you don't have money in your account. The Utility Bill Overdraft Account prevents you from paying overdue charges for your bills.

To see the bill payments that you can make with your Utility Bill Overdraft Account, click here.

If you don't have a Utility Bill Overdraft Account, all you have to do to open an account is to visit the nearest Garanti branch.

  • Features and Benefits
    • The Utility Bill Overdraft Account limit is only used towards the payment of bills that have automatic payment orders on their payment due dates.
    • Cash withdrawal from this account is not possible.
    • The interest rate for the credit amount you use within a month is automatically debited from your account the following month. Your debt is paid off the moment you deposit money into your account. So, you don't pay unnecessary interest for your bills.
  • FAQs

    We found the following questions in our Help & Advice which might be useful for you...

    How can I apply for a General Purpose Loan? What are the required documents?

    You can apply for a loan at the nearest Garanti branch with the documents.

    Find out more

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