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    WE ARE
    • EUR
    • USD
    • GBP
    • CHF
    See the exchange rate in your account

    Send money on the spot

    You're always close to home

    Open an online account directly from BT Pay and use it on the go, wherever you are. Send money home, pay bills or save money quickly and easily. What's more, you get ZERO account and card opening and administration fees.

    MORE THAN BANKING

    See all articles

    EVERYTHING FROM BT PAY

    SAVE AT YOUR OWN PACE

    School, trips, new clothes... or whatever's on your wishlist. It's good to have money set aside just in case. With a savings account you can have it all and stay relaxed. You'll also get progressive interest that you earn monthly, depending on how much you have in your account.

    Investing can be really simple

    With BT Pay, your money can do more than just sit in your account. You can invest directly from the app in 14 funds, simply and quickly. Start small without being a financial expert.

    SEE WHICH CREDIT IS RIGHT FOR YOU

    The apartment of your dreams, a spacious home or an eco-friendly building. Choose the mortgage that's right for you, depending on your plans.

    BANK OF ROMANIANS ABROAD

    WE ARE
    BANCA TRANSILVANIA

    Banking is about people and trust. Every one of our more than 700,000 overseas customers is a story about courage, and we at BT believe in courage. And we also believe that through banking, a small part of Romania is always with you, in your wallet.

    Keep your eyes on 4!

    ONLINE SAFETY

    Money security and data privacy are essential for us. Online banking comes with advantages, but also risks. Are you vigilant enough and do you know how to protect yourself from fraud?

    Read more

    RAPID HELP

    Yes, you can, if you opt for a mortgage-backed loan. 😉

    You only need to have income from work contracts carried out abroad for at least one year. 📆


    ❗ If you're thinking of getting a credit:

    ➤ you can calculate your monthly installments online in BT loan simulator;

    ➤ and then find out over the phone if you qualify for the amount you want. 😃

    We've prepared 2 fast transfer methods for you. 😊

    ❶ If you want to send money abroad, you can opt to:

    ➤ platform BT24 Internet Banking: log in with your details and then access the "Transfer" ➭ section "Payments" ➭ option "Currency payment";

    ➤ coming to any BT unit with your identity card.

    ❷ And if you want to make a quick transfer anywhere in the country, you can opt for:

    BT Pay appwhich you can download for free from Google Play and App Store. Once you enroll your card in the app, select the "Transfer money" "Send"* option;

    ➤ platform BT24 Mobile Bankingby going to "Payments" ➭"Send money" ➭"To someone else (currency payment)".


    * If this is your first time, don't worry! The process of sending money via BT Payis extremely simple! 😉

    ➤ if you make a transfer in euro in the SEPA area*, the money arrives within 48 hours / 2 working days maximum;

    ➤ and if the transfer is in another currency or outside SEPA*, the money will arrive in 3-5 working days.

    *Statesincluded in the SEPA area can be grouped into three categories to make them easier to find:

    EURO area countriesNon-EURO area countriesMember States S.E.E. / E.E.A**
    AustriaBulgariaSwitzerland
    BelgiumDenmarkIceland
    CyprusLatviaLiechtenstein
    CroatiaLithuaniaMonaco
    EstoniaUnited KingdomNorway
    FinlandPoland-
    FranceCzech Republic-
    GermanyRomania-
    GreeceSlovakia-
    IrelandSweden-
    ItalyHungary-
    Luxembourg--
    Malta--
    Netherlands--
    Portugal--
    Slovenia--
    Spain--


    **EEA= European Economic Area

    If you change your physical card you will need to delete your existing card from BT Pay and enroll the new one in the app.

    If you already have the new card and want to add it to the app, please see the question "How do I enroll a card in BT Pay?". 🤩

    Each of us can make any operations through our own account. But, indeed, there are situations when you are not able to do it personally or you may want to have access to the account for someone close to you (spouse/partner/partner etc.) 😉 😉

    In these situations, you can give people close to you the right to carry out various operations on your account. To make this possible, you can do this in any BT establishmentand the person close to you that you want to give access to your account. It is important that you have your identity papers with you! 💳

    If you are still unable to go to the bank in person, then you can go to the notary and make a power of attorney naming the person you are authorizing to apply for account operating rights on your behalf, the person for whom you are granting these rights and listing them. For example: to withdraw money, make transfers and payments, etc. 

    So you no longer have to come to the bank, instead, the person you have nominated in the power of attorney will come to make the application on your behalf, together with the person to whom you grant the operating rights, also with the identity documents. And if it's the same person, it's even simpler.

    Steps to enroll in Mastercard ID Check are as follows: 

    ❶ Once you choose the product / service you want to pay for, you need to enter your card details when paying online: 

    ➤ card number; 

    ➤ expiration date;

    code CVV2 / CVC2


    Merchants displaying the "Verified by Visa" and "MasterCard ID Check" logos will additionally display a page asking you to enter a password. 👀
     

    ❷ The ID Check password has been replaced by a dynamic password (OTP-one time password), different for each online transaction, which you will receive by SMS;

    ❸ The payment will be completed quickly after password verification.


    🆕 You can now confirm any online payment directly from your phone using your fingerprint or phone unlock method via BT Pay. This will make any online transaction secure. 🔥

    open account 100% online

    It takes as little as listening to two songs to open a BT account with BT Pay - access your account and card on the go and enjoy banking, straight from your phone.

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    BT AI Chat
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    Intreb BT logo
    Ask BT is Banca Transilvania's largest online financial education program, with over 2,000 banking questions and answers.
    Search tips
    Powered by Azure OpenAI GPT-4o
    AI Search provides automatically generated answers, using GPT-4o technology, which may contain inaccurate or potentially offensive content that does not represent the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service. .
    Terms and conditions

    Disclaimer

    AI Search is a pilot project - in beta - that uses GPT-4o technology to simplify the process of finding and understanding banking products.

    AI Search is trained to answer questions that relate exclusively to the banking products offered by BT, but in certain situations and depending on the questions asked, it may also answer general questions. The answers provided are automatically generated and should be used for information purposes only. The Service may sometimes provide inaccurate or potentially offensive content that does not represent the views of Banca Transilvania. You are solely responsible for your use of content generated by this service in any way. Do not rely on this service for financial, legal or other professional advice and do not enter any personal data or other confidential information into this service.

    Use of AI Search implies acceptance of the Terms and Conditions.

    By accessing and using the service you accept these terms and conditions without reservation. If you do not agree to them, please do not use this service. By accepting the terms and conditions to use this service provided algorithmically by an artificial intelligence model, you assume the entire risk as to the quality, safety and performance of this service.

    Banca Transilvania does not provide any guarantee regarding the answers provided by this service.

    AI Search provides answers algorithmically and these may sometimes contain inaccurate information or potentially offensive language. This information does not express the position of Banca Transilvania and cannot be held responsible for the content provided.

    AI Search does not provide answers to personalized questions, so by using AI Search you agree not to provide and not to enter any personal data or other confidential information in the messages/questions you submit. In case you do not comply with this obligation, by inserting personal data/confidential information into AI Search, you consent to the processing of such data for the purpose of providing the service (answers to the questions you submit), as well as for the improvement of the algorithmic model of the robot by its developer.

    Any information provided by users during their interaction with AI Search will be treated confidentially and will be disclosed only to recipients who have a right and need to know.

    The content provided by AI Search is for information purposes only.

    Users are responsible for the questions and messages asked when using AI Search. Any abuse or inappropriate language may result in termination of the interaction.

    AI Search does not provide financial, legal or professional advice and is not a substitute for consultation with human experts or professionals specializing in the field. Users should not rely on the information provided by AI Search for decision making.

    The Bank reserves the right to discontinue the AI Search service at any time without prior notice.

    Terms and conditions may be revised/updated at any time.

    BT AI Chat
    The system is experiencing problems. Try again a little later.
    Intreb BT logo
    Ask BT is Banca Transilvania's largest online financial education program, with over 2,000 banking questions and answers.
    Search tips
    Powered by Azure OpenAI GPT-4o
    AI Search provides automatically generated answers, using GPT-4o technology, which may contain inaccurate or potentially offensive content that does not represent the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service. .
    Terms and conditions

    Disclaimer

    AI Search is a pilot project - in beta - that uses GPT-4o technology to simplify the process of finding and understanding banking products.

    AI Search is trained to answer questions that relate exclusively to the banking products offered by BT, but in certain situations and depending on the questions asked, it may also answer general questions. The answers provided are automatically generated and should be used for information purposes only. The Service may sometimes provide inaccurate or potentially offensive content that does not represent the views of Banca Transilvania. You are solely responsible for your use of content generated by this service in any way. Do not rely on this service for financial, legal or other professional advice and do not enter any personal data or other confidential information into this service.

    Use of AI Search implies acceptance of the Terms and Conditions.

    By accessing and using the service you accept these terms and conditions without reservation. If you do not agree to them, please do not use this service. By accepting the terms and conditions to use this service provided algorithmically by an artificial intelligence model, you assume the entire risk as to the quality, safety and performance of this service.

    Banca Transilvania does not provide any guarantee regarding the answers provided by this service.

    AI Search provides answers algorithmically and these may sometimes contain inaccurate information or potentially offensive language. This information does not express the position of Banca Transilvania and cannot be held responsible for the content provided.

    AI Search does not provide answers to personalized questions, so by using AI Search you agree not to provide and not to enter any personal data or other confidential information in the messages/questions you submit. In case you do not comply with this obligation, by inserting personal data/confidential information into AI Search, you consent to the processing of such data for the purpose of providing the service (answers to the questions you submit), as well as for the improvement of the algorithmic model of the robot by its developer.

    Any information provided by users during their interaction with AI Search will be treated confidentially and will be disclosed only to recipients who have a right and need to know.

    The content provided by AI Search is for information purposes only.

    Users are responsible for the questions and messages asked when using AI Search. Any abuse or inappropriate language may result in termination of the interaction.

    AI Search does not provide financial, legal or professional advice and is not a substitute for consultation with human experts or professionals specializing in the field. Users should not rely on the information provided by AI Search for decision making.

    The Bank reserves the right to discontinue the AI Search service at any time without prior notice.

    Terms and conditions may be revised/updated at any time.