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Have you tried NeoBT?

The new online banking Banca Transilvania, which will very soon replace the current platform.

From NeoBT, you have online access to your accounts and you can do all the operations you do now from BT24. In addition, you get additional functionality.

Changes from January 2021

In order to make your online payments as safe as possible and in accordance with the legislation on payment security, from January 2021 we bring new security elements for the confirmation of online payments. This way you will know that any transaction you make online will be done safely and that no one will be able to make transactions using your card details.

However, payments become simpler and faster – with your phone, through the BT Pay app.

How can I confirm an online payment? It's simple. You have 2 variants.


The recommended option - with fingerprint, FaceID or the method of unlocking the phone, via BT Pay.

With each online payment, you get instant notification on your phone and confirm the transaction using the unlocking method of the phone.


By entering two passwords

A dynamic password received via SMS on the phone number declared to the bank + a unique password defined by you when you make the payment online. You will change your unique password every 90 days.

Authorizing online transactions through the BT Pay app is simple & fast and at the same time complies with the requirements of the revised European Payment Services Directive (PSD2) regarding the strong authentication of customers.

Confirm with BT Pay

  • You can download BT Pay without going to the bank, for free from Google Play or the App Store, add the BT cards (even the company ones) and that's it!
  • When you pay online, you instantly receive a notification on your phone and can confirm or cancel that payment using your fingerprint, Face ID, or phone unlock method. It's simple, fast and safe.
  • What's more, you have all the card details in the app – card number, expiration date and CVV – you need when you pay online.
  • BT Pay will also help you pay with your phone, check your balance or transfer money, and more - see here.

Do you have any questions? You can find the answers here .

Confirming online payments with 2 passwords

If you don't have a phone that's compatible with the BT Pay app, you can confirm your payment online by entering two passwords:

  • A dynamic password, received by sms to the phone number registered in the bank's system for online payments, every time you shop online
  • A unique password defined by you. You'll define it on your first online transaction, starting in January 2021, if you haven't enabled the option to authorize online payments through BT Pay. You will need to change this password once every 90 days. You'll have this option when paying online, on the unique password page.

Do you have any questions? You can find the answers here .

Flow of payments on the internet through BT Pay

Choose the products and complete the order


Enter your card details (you can find them in BT Pay under card details)


You're redirected to a secure page


You get notification on your phone


Access the notification and confirm the payment with the method of unlocking the phone


Return to the secure page and track the completion of the order

3D Secure

What is 3D Secure?

3D Secure is an international security standard for internet payments that aims to further protect the cardholder and reduce fraud in the e-commerce area (online payments).

The revised European Directive on payment services brings new security elements in the confirmation of transactions, a stronger authentication of the customer, respectively the existence of at least two of the following elements: something you know, something you have and something you are.

We recommend that you choose to authenticate your online transactions through BT Pay, the process being simple and fast.

How does 3D Secure work?

When you pay online, on the website of a 3D Secure merchant, after you enter your card details, whether it is a Visa or Mastercard card, you will be redirected to another page confirming the payment through 3D Secure. You will confirm the transaction in the manner of your choice:

  • If you have the BT Pay app and you have enrolled your card in 3D Secure, you will receive a notification on your phone, where the name of the merchant and the payment amount will be mentioned, and you will have 5 minutes to confirm or cancel the online transaction. You will use the method of unlocking the phone: fingerprint, make ID, pin, password, etc.
  • If you do not have the BT Pay app and the card enrolled, you will enter a password received on SMS from us and a static password, defined by you at the first online transaction. The password is valid for 90 days and you will need to change it later.

Do I need to confirm every payment online?

There will also be online payments that do not require additional confirmation steps, established based on your payment history, depending on the payment behavior, the sites on which the payments were made, whether they are recurring payments, i.e. subscriptions or low value. This analysis can be carried out by the bank or the merchant. For example, you pay invoices month after month at the same supplier or you're a loyal buyer on a particular site, where the merchant has defined a profile of yours. In 2021, there will be continuous improvements to these analyses, so the situations in which you will not be asked for strong authentication will also increase.

Your cards are all digital, via the BT Pay app