Garanti BBVA Unveils Fully Redesigned BonusFlaş Platform Bringing Contactless Payments Offers and Card Controls Into One Ecosystem

Garanti BBVA Unveils Fully Redesigned BonusFlaş Platform Bringing Contactless Payments Offers and Card Controls Into One Ecosystem

(IN BRIEF) Garanti BBVA has launched a completely redesigned version of its BonusFlaş mobile application, transforming it into an integrated digital wallet that combines payments, rewards, personalized offers and card management in one platform. The new version features a modern interface, faster NFC and QR payment processes, improved card management tools and advanced personalization powered by data analysis and artificial intelligence. Developed with strategic input from Mastercard Advisory Services, the updated platform creates a unified ecosystem that brings together loyalty programs and digital payment functionality. Users can manage multiple cards, activate offers instantly and track spending through sector-based analytics while completing a wide range of digital transactions such as GarantiPay payments, bill payments, tax payments and international card transfers without needing a physical card. The upgraded application builds on BonusFlaş’s original 2015 launch and reflects Garanti BBVA’s broader strategy to deliver more personalized and integrated digital financial services while continuing to expand its payments and rewards ecosystem.

(PRESS RELEASE) AMSTERDAM, 13-Mar-2026 — /EuropaWire/ — Garanti BBVA has introduced a fully redesigned version of BonusFlaş, transforming the long-standing mobile application into a more advanced digital platform that integrates payments, rewards, card management and digital wallet services in a single environment.

The renewed BonusFlaş offers a modern interface and upgraded functionality aimed at improving the everyday payment experience for users. The updated application introduces faster NFC mobile contactless and QR code payment processes, improved card management capabilities and expanded digital wallet features. Users can also access personalized promotions and rewards through a more streamlined and intelligent platform designed to simplify financial interactions.

The redesign was developed with support from Mastercard through its Mastercard Advisory Services team, which contributed strategic advisory, project coordination and front-end design expertise. The collaboration helped shape a new ecosystem that combines payment tools and reward programs in a unified platform, delivering a more responsive and personalized user experience.

BonusFlaş originally debuted in 2015 as an application that consolidated card information and promotional offers within a single mobile interface. Since then it has become one of Garanti BBVA’s most widely used digital banking tools. The latest version has been rebuilt on a new technological infrastructure designed to better meet evolving user expectations and enable more advanced personalization features.

Garanti BBVA Deputy CEO Ceren Acer Kezik highlighted that the transformation reflects the bank’s broader approach to digital banking. She explained that the goal is to create services that simplify everyday financial activities while delivering more relevant and timely experiences. According to Kezik, the AI-enabled BonusFlaş evolves beyond a loyalty application to function as a smart digital wallet that brings together spending management, savings opportunities and intelligent recommendations.

Kerem Orbay emphasized the role that the Bonus and BonusFlaş brands have played in shaping the country’s payment ecosystem. With the updated platform, customers can manage multiple cards in a single interface, activate promotions with one tap and monitor spending through category-based charts. The platform now uses advanced data analysis to deliver hyper-personalized offers based on individual spending habits, while the home screen dynamically adjusts to each user’s behavior and preferences.

Onur Faydacı noted that digitalization is reshaping payment experiences beyond traditional card usage. Mastercard supported the renewal project by contributing both technology and strategic advisory capabilities, working closely with Garanti BBVA to enhance product design and development. The goal was to create a platform capable of delivering the right offers and shopping opportunities at the right time for users.

The refreshed BonusFlaş application introduces a cleaner and faster interface that provides easier access to commonly used features. Users can activate promotional offers with a single tap, instantly view reward balances and receive recommendations tailored to their purchasing patterns.

The payment experience has also been streamlined. Android users can quickly switch between saved cards before making payments. Services such as GarantiPay transactions, 3D Secure online payments, credit card and bill payments, motor vehicle tax payments and international card-to-card transfers can all be completed digitally without the need for a physical card. For customers holding multiple cards, the app displays total credit limits, remaining limits and balances within one consolidated dashboard. Spending analytics further allow users to review transactions by sector with daily, weekly and periodic breakdowns.

Garanti BBVA plans to continue enhancing its digital payments ecosystem in the coming months, with additional features aimed at strengthening the integration of payments, rewards and personalized financial services.

Media contact:
press@garantibank.eu

SOURCE: Banco Bilbao Vizcaya Argentaria, S.A.