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    We are currently experiencing a very high number of calls in our Call Center. If you have an urgent problem, call now, otherwise we'll wait for you later. For quick answers try Ask BT or BT Visual Help.

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    0264 308 308 028 or *8028 The number is available from any national network.
    0264 303 003 Hotline for all Romanians who are out of the country, including assistance in English.
    Fraud assistance
    If you suspect fraud on your account, quickly call 0264 308 055.

    Search with AI Search

    AI Search on Ask BT answers all your banking questions.

    BT Visual Help

    Quickly view your account details, call 0264 308 000 and receive an SMS with the access link.

    If you are not already a BT customer, open a 100% online account with BT Pay, apply using the form below, make payments with your euro card, and receive 5% cashback, up to €100.
    OPEN AN ONLINE ACCOUNT

    Banking without borders

    If you are not already a BT customer, open a 100% online account with BT Pay, apply using the form below, make payments with your euro card, and receive 5% cashback, up to €100.

    Open account

    Hello, BT Pay!

    • Download the BT Pay app for free and open an account 100% online. Don't forget to register on the website and use the same details in the form, as well as when you open your account in the app.
    • From the app's home page, tap "+" and issue the Euro card that suits you. You can also choose a virtual card.
    • Use your new euro card to make payments until May 31, 2026.
    • That way, you can be among the first 2,000 lucky ones to receive 5% cashback, up to a maximum of €100.
    Download BT Pay
    Hello, BT Pay!
    BT Pay Italy

    Do you live in Italy?

    Ciao! You have a dedicated version of the app at your fingertips. With BT Pay Italia, you can open an account with an Italian IBAN, even using your Romanian ID card. All you have to do is select Italy as your country of residence after downloading BT Pay. 😊

    Come to BT Pay Italy

    Send money on the spot

    You're always close to home

    You can open an online account directly from BT Pay and use it wherever you are. If your loved ones don't yet have BT Pay, you can send them money using your IBAN instead. Plus, there's ZERO account and card set-up and administration fees.

    Open account

    A better way to take care of acasă

    All cards, no worries

    If you live in Italy, Spain, Germany, UK or Moldova, we deliver your card for free. If not, you can receive it at an address in Romania or pick it up from a BT location within 90 days.

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    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.

    0.00

    Put money aside easily

    Save easily for the things you want, benefiting from a monthly progressive interest rate depending on the amount in your account.

    Manage your invoices

    Easily manage your phone, gas, electricity and other bills, with automatic payments from your BT card or by scanning directly into the app.

    safe travel

    You tell us how you like to travel and we'll find the best insurance for you. You do it in advance , straight from the app, for 1 full year.

    BT PAY kiddo

    Banking For the cool kiddos

    Read more

    Choose your banking subscription

    Different people, different needs. So you have five subscription options to choose from. ✨

    Open account
    Hi
    0 lei / month
    • ZERO commission on interbank interchange fees
    • Mobile banking with BT Pay
    Student
    0 lei / month
    • ZERO commission on interbank interchange fees
    • Mobile banking with BT Pay
    • Free travel insurance
    RECOMMENDED
    365
    7 lei / month
    Gold
    17 lei / month
    • Access to business lounges in Bucharest and Cluj-Napoca airports
    • Free travel insurance
    • Mastercard Gold
    Gold+
    20 lei / month
    Make your way in BT Pay

    Make your way in BT Pay

    If you are a resident in Romania and are 18 years old or over, you can open an account online in less than 10 minutes. All you need to do is download the app, confirm your identity with your ID and choose the current account subscription that suits you.

    Download BT Pay

    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

    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 - opens in a new tab

    open account 100% online

    In about 10 minutes, via the BT Pay app, you have a lei account with us and can use your card instantly from the app. It takes as long as listening to two songs.

    Open account

    Everything in the app, in real time

    Scan the QR code and download the app

    Search
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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.
    Frequently Asked Questions
    Powered by Azure OpenAI GPT-5
    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 .
    Terms and conditions

    Disclaimer

    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.