Within the 8th edition of e-Finance Gala Awards, organized on March 2011, Garanti BBVA was awarded within “e-Payments” category for the real-time payment system developed at the end of 2010. This system has been implemented on the ATMs within Garanti BBVA network and Vodafone shops and allows the following instant transactions: invoice payment and top-up for Vodafone. Another benefit of this payment system, unique on the Romanian market, is its extended accessibility, being used by anyone, either a Garanti BBVA customer or not and irrespective of the chosen payment method: with any debit card or with cash.