Prin ce modalități pot transfera bani în țară sau în străinătate, prin BT?

If you want to make a quick transfer anywhere, use the BT Pay app. You can download it for free from Google Play and the App Store. After adding your card to the app, select the “Transfer Money” section ➭ then the “Send” option. If this is your first time doing this, don’t worry! Sending money via BT Pay is super easy! 😉

În cât timp ajung banii în contul persoanei la care fac transferul în străinătate?

➤⠀If you make a transfer in euros within the SEPA zone, the funds will arrive within 48 hours / 2 business days;➤⠀and if the transfer is in another currency or outside the SEPA zone, the funds will arrive within 3–5 business days.The countries included in the SEPA zone can be grouped into three categories to make them easier to find:Eurozone CountriesNon-Eurozone CountriesEEA Member States / EEA*AustriaBulgariaSwitzerlandBelgiumDenmarkIcelandCyprusLatviaLiechtensteinCroatiaLithuaniaMonacoEstoniaUnited KingdomNorwayFinlandPoland–FranceCzech Republic–GermanyRomania–GreeceSlovakia–IrelandSweden–ItalyHungary–Luxembourg––Malta––Netherlands––Portugal––Slovenia––Spain––*EEA = European Economic Area

Cum se pot adăuga persoane împuternicite pe cont?

Each of us can perform any transactions through our own account. However, there are certainly situations where you can’t do this yourself, or perhaps you want a loved one (spouse, partner, etc.) to have access to your account. 😉 In these situations, you can grant your loved ones the right to perform various transactions on your account. To make this possible, we’re waiting for you at any BT branch—you and the loved one you want to grant access to your account. It’s important to bring your IDs with you! 💳If you’re unable to come to the bank in person, you can visit a notary to draw up a power of attorney naming the person you’re authorizing to request account access rights on your behalf, as well as the person to whom you’re granting these rights, and listing them all. For example: to withdraw money, make transfers and payments, etc. This way, you no longer need to come to the bank; instead, the person you named in the power of attorney will come to make the request on your behalf, along with the person to whom you are granting the account access rights, both bringing their IDs. And if it’s the same person, it’s even simpler.

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Q: Dacă obțin venituri în străinătate pot aplica la un credit?

Yes, you can, if you opt for 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 taking out a loan:➤⠀you can calculate your monthly payments online using the BT loan simulator;➤⠀and then call to find out if you qualify for the amount you want. 😃

Q: Cum activez cardul pentru plăți online?

The 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 requesting that you 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’ll receive this password via SMS;❸⠀The payment will be completed quickly after the password is verified.🆕 Now you can confirm any online payment directly from your phone using your fingerprint or the BT Pay unlock method. This ensures that every online transaction is secure. 🔥

Q: Cum imi actualizez datele daca sunt in strainatate?

If you are abroad and are using a CI-type ID, but are currently abroad, you can update your information on the BT website, in the "Residents over 18" section. If you use a CY and/or PT ID, you can update your information on the BT website in the “Non-residents over 18” section. 😉

Q: Ce pot face cu BT Pay dacă stau în străinătate?

Everything you could want! 😊 No matter where you live, you can use all the app’s features—send and request money, access savings and deposit accounts, pay bills, view your transaction history in real time, get virtual cards, and soooo much more. ⚡Plus, there are zero fees for opening and maintaining your account and card.

100 EURO CASHBACK IN YOUR ACCOUNT

Are you living abroad? Open a BT Pay account online, pay with your Eurocard, and get 5% cashback, up to 100 euros.

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+5,000,000 ROMANIANS

They have an account with BT, Romania's largest financial group

Free account in RON and EUR

Complete control in a single app. For income abroad and expenses in Romania.

Free card, delivered to your home

For Italy, Spain, Germany, the United Kingdom, and Moldova or you pick it up in Romania from a BT location within 90 days.

Payment of bills in Romania

Directly from BT Pay, for phone, gas, electricity, and other utilities. Pay right away or scan your bill in the app.

Competitive interest rates on LEI and EURO

Save money directly from BT Pay through guaranteed deposits, with interest rates of up to 6.5% per year on RON deposits.

To receive cashback:

Download the BT Pay app for free
Open an account 100% online and get your euro card—from the home page, click “+”
Do you use your card for payments?
You'll receive 5% cashback, up to 100 euros, on your purchases

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Send money anywhere in the world

Make instant transfers using just a phone number or via BAN. Stay connected with your loved ones at all times.

Foreign exchange

You get the most accurate exchange rate, depending on your card and the currencies you want to trade. What's more, in BT Pay you can open an account and have your virtual card in LEI, EUR or USD.

eSIM from BT Pay

Choose the internet plan that's right for you. You'll receive notifications when you reach 75%, 90%, and 100% of your data allowance, so you always know where you stand.

Vignette for home

You can buy it through the app for yourself or your loved ones. It’s valid in Romania, and you choose the duration: from 1 day to 12 months

Insurance, right from the app

You can purchase your one-year travel insurance or auto liability insurance through the app.

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 countries	Non-EURO area countries	EEA Member States*
Austria	Bulgaria	Switzerland
Belgium	Denmark	Iceland
Cyprus	Latvia	Liechtenstein
Croatia	Lithuania	Monaco
Estonia	United Kingdom	Norway
Finland	Poland	-
France	Czech Republic	-
Germany	Romania	-
Greece	Slovakia	-
Ireland	Sweden	-
Italy	Hungary	-
Luxembourg	-	-
Malta	-	-
Netherlands	-	-
Portugal	-	-
Slovenia	-	-
Spain	-	-

*EEA = European Economic Area

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. 🔥

All you need is an ID card (issued in Romania) and to be over 18—that’s it! ✨

Yes! 🙌

Just select the country code and make sure you've entered the phone number correctly.

If you are abroad and are using a CI-type ID, but you are currently abroad, you can update your information on the BT website, in the "Residents over 18" section. If you use a CY and/or PT-type ID, you can update your information on the BT website in the “Non-residents over 18” section. 😉

Everything you could want! 😊 No matter where you are, you can use all the app’s features—send and request money, access savings and deposit accounts, pay bills, view your transaction history in real time, get virtual cards, and soooo much more. ⚡

Plus, there are no fees for opening or maintaining your account or card.

See all questions

open account 100% online

In about 10 minutes, using the BT Pay app, you can open an account in lei or euros with BT and start using your instant card right from the app. You’ll receive 5% cashback, up to 100 euros, on payments made with your euro card.

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Banking Without Borders

100 EURO CASHBACK IN YOUR ACCOUNT

Free account in RON and EUR

Free card, delivered to your home

Payment of bills in Romania

Competitive interest rates on LEI and EURO

To receive cashback:

Send money anywhere in the world

Foreign exchange

eSIM from BT Pay

Vignette for home

Insurance, right from the app

RAPID HELP

If I earn income abroad, can I apply for a loan?

How can I transfer money home or abroad via BT?

How long does it take for the money to arrive in the account of the person I transfer to abroad?

How to add proxies to the account?

How do I activate my card for online payments?

What do I need when I open an online account with BT Pay from abroad?

Can I become a BT customer through BT Pay even if I have an international phone number?

How do I update my information if I'm abroad?

What can I do with BT Pay if I'm living abroad?

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