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    Keep up to date with what matters to you - simple banking, wherever you are in the world. News, How To, Resources, Human Banking.

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    Open an online account directly from BT Pay and use it immediately, wherever you are. Send money to your family, pay bills, or save money quickly and easily. Remember that there are no fees for opening and managing your account and card.

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    MORE THAN BANKING

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    Home insurance in Romania, for you or your loved ones, from BT Pay
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    Trends in the real estate market
    Trends in the real estate market

    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.

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    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.

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    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.

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    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?

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    RAPID HELP

    Yes, you can, if you choose a mortgage-backed loan. 

    You must be a Romanian citizen and have income from permanent employment contracts abroad that have been in effect for at least one year. 


    ❗⠀If you're thinking about getting a loan:

    ➤⠀You can calculate your monthly payments online using the BT loan simulator;

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

    If you want tomakea quick transfer anywhere, use the BT Pay app. You can download it for free from Google Play and the App Store. Once you add your card to the app, select the “Transfer Money”➭ the “Send” option;

    If this is your first time doing this, don't worry! The process of sending money via BT Pay  is super simple! 😉

    ➤⠀if you make a transfer in euros within the SEPA zone, the money arrives within a maximum of 48 hours / 2 business days;

    ➤⠀and if the transfer is in a different currency or outside the SEPA zone, the funds will arrive in 3–5 business days.

    The countries included in the SEPA zone can be grouped into three categories to make them easier to find:

    EURO area countriesNon-EURO area countriesEEA Member States*
    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 replace your physical card, you'll need to remove the existing card from BT Payandregister 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 grant your loved ones the right to perform various transactions on your account. To make this possible, please visit any BT branch, along with the person you want to grant access to your account. It’s important to bring your IDs 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⠀After selecting the product or service you wish to pay for, you will need to enter your card details when making the online payment: 

    ➤⠀card number; 

    ➤⠀expiration date;

    ➤⠀CVV2 / CVC2 code. 


    At merchants displaying the“Verified by Visa”and“MasterCard ID Check”logos, an additional page will appear asking you to enter a password. 👀
     

    ❷⠀The ID Check password has been replaced with a dynamic password (OTP—one-time password), which is different for every online transaction; you will receive this password via text message;

    ❸⠀Payment will be processed quickly after the password is verified.


    🆕 You can now confirm any online payment directly from your phone using your fingerprint or your phone's unlock method via BT Pay. This way, every online transaction will be secure. 🔥

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    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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    Ask BT is Banca Transilvania's largest online financial education program, with over 2,000 banking questions and answers.
    Frequently Asked Questions
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    AI Search provides automatically generated responses using GPT-5 technology and an advanced agent orchestration mechanism. The responses may contain inaccurate or potentially offensive content, which does not reflect the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service. Read .
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    AI Search is a pilot project—currently in beta—that uses GPT-5 technology to simplify the process of searching for 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.