How to invest safely in Romania in FIDELIS government bonds, 100% online, through BT
Year after year, Romanians living abroad have shown that their connection to Romania knows no distance. Even if you live and work outside the country, your financial decisions can have an impact “back home.” You have the opportunity to save wisely and invest in Romania under safe and transparent conditions.
Let's take it one step at a time.😊
What are FIDELIS government bonds, and why do they matter to Romanians living abroad?
FIDELIS government bonds are savings instruments issued by the Romanian government, designed for individuals who wish to invest their money safely and transparently.
They are a savings and investment solution in Romania, available through BT Capital Partners. You can subscribe 100% online, directly from the BT Trade app, with affordable amounts, tax-free returns, and the option to access your money before maturity. It’s a simple and secure way to keep your savings connected to Romania, even if you live abroad.
For Romanians living abroad, it matters because:
- allow you to invest in Romania, regardless of where you live;
- provides stability and predictability;
- is an alternative to keeping money in non-interest-bearing checking accounts;
- can be accessed digitally, without having to go to the bank.
How do FIDELIS government bonds work through BT Capital Partners?
The process is straightforward and entirely online, including for Romanians living abroad.
Steps for investing in FIDELIS government bonds through BT:
- Open a trading account with BT Capital Partners
- If you are a Banca Transilvania customer, you can open your account entirely online.
- Open the BT Trade app or download it from the App Store or Google Play.
- Fill in the details and confirm the information
- fill out the online application;
- complete the Know Your Customer questionnaire;
- Upload a photo of your ID card.
- You receive and accept the offer to open an account
- The offer includes: the contract, the client profile, the fee schedule, and the general terms and conditions.
- Transfer money and activate your account
- The transfer is made from your BT account, in lei or euros;
- Once confirmed, you can start your subscription.
How do you actually purchase FIDELIS government bonds on BT Trade?
You can subscribe directly from the app in a few simple steps:
- Sign in to BT Trade
- Portfolio → Trading → Add Subscription;
- Select the FIDELIS offer
- select the number of shares (the value must be a multiple of 100);
- Complete your subscription
- check the status: “Validated” or “Completed”;
- View the titles in the portfolio
- appear in the app during the first week after the show ends.
What requirements must be met to invest from abroad?
- be a Banca Transilvania customer;
- you have an email address registered with BT;
- you have a valid ID;
- you have a BT account from which you can make the initial transfer;
- You have access to the BT Trade app.
What are the benefits and advantages of FIDELIS government bonds for the diaspora?
- Interest and trading gains are not taxed.
- You have online access from anywhere. Everything is done through the BT Trade app.
- You can sell the securities before maturity, directly from the app, since they are listed on the Bucharest Stock Exchange.
- Investing starts with amounts tailored to your personal savings.
Risks, common mistakes, and what you should know
Even though they are considered safe investments, it is important to take into account changes in legislation or tax laws, fluctuations in market prices—if you sell before maturity—and differences between issues in terms of maturity or interest rates.
Practical examples and recommendations for Romanians living abroad
- If you're looking for medium-term savings, hold onto the securities until maturity.
- If you need flexibility, keep an eye on the price and sell directly from the app.
- If you want to keep your savings in Romania but live abroad, FIDELIS offers a balanced solution that combines security and returns.
FIDELIS government bonds, available through BT Capital Partners, are a straightforward and secure solution for Romanians living abroad who want to save and invest in Romania. With digital access, tax-free returns, and flexibility, they allow you to stay financially connected to “home,” no matter where you are.
Invest easily. Save smartly. Stay connected to Romania with BT.
Frequently Asked Questions About FIDELIS Government Bonds Through BT
Can I invest in FIDELIS government bonds if I live outside Romania?
Yes. If you are a Banca Transilvania customer, you can invest 100% online from abroad.
Do I need to come to Romania to open the account?
No. You can open a trading account with BT Capital Partners online via BT Trade.
Can I withdraw my money before maturity?
Yes. The securities are listed on the Bucharest Stock Exchange and can be sold through the app.
