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    0264 303 003 Hotline for all Romanians who are out of the country, including assistance in English.
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    Notifications

    Fees and commissions

    Last update: 20.12.2024

    Most common operations

    Cash operations

    withdrawals 

    At the BT counter

    ATM

    0 - 50.000

    At the BT counter

    0.9% min 9 LEI

    ATM

    0 LEI

    50.000.01- 499.999,99

    At the BT counter

    1,5%

    ATM

    0 LEI 

    >= 500.000 

    At the BT counter

    2%

    ATM

    0 LEI

    withdrawals  

    At the BT counter

    ATM

    0 - 10.000 EUR

    At the BT counter

    0.9% min
    4.5 EUR

    ATM

    0.5% min
    3 EUR

    10.000,01 - 99.999,99 EUR

    At the BT counter

    1,5%

    ATM

    1%

    >=100.000 EUR

    At the BT counter

    2%

    ATM

    N/A

    Deposits

    At the BT counter

    ATM

    Deposits of cash to the account of individuals,
    at the bank counter by the holder/holder's representative/delegate

    At the BT counter

    0 LEI

    ATM

    0 LEI

    Cash deposits on the account of individuals
    at the bank's counter for payment of installments, loans,
    credit card, line of credit for current account,
    on the account of Kidcont, by third parties

    At the BT counter

    0 LEI

    ATM

    0 LEI

    Cash deposits on individuals' account,
    at the bank counter, by third parties

    At the BT counter

    15 LEI

    ATM

    0 LEI

    Transactions through accounts

    Commission amount

    At the BT counter

    Online

    BT Payments - BT

    At the BT counter

    8 LEI

    Online

    0 LEI

    BT payments - other bank

    At the BT counter

    Online

    < 999,99

    At the BT counter

    15 LEI

    Online

    2,5 LEI

    1.000 - 49.999,99 

    At the BT counter

    15 LEI

    Online

    5 LEI

    >= 50.000 

    At the BT counter

    25 LEI

    Online

    10 LEI

    Commission amount

    At the BT counter

    Online 

    Payment BT Romania - BT Romania  

    At the BT counter

    3 EUR

    Online 

    0 LEI

    BT payments - other bank (SEPA¹)

    At the BT counter

    Online 

    <1.000 LEI (echivalent in EUR)

    At the BT counter

    15 LEI

    Online 

    2,5 LEI

    <=1.000 – 50.000 LEI (echivalent în EUR)

    At the BT counter

    15 LEI 

    Online 

    5 LEI

    &GT;= 50.000 LEI

    At the BT counter

    25 LEI

    Online 

    10 LEI

    BT payment - other bank (non SEPA² )

    At the BT counter

    0.2% min EUR 20 

    (max 800 EUR)

    Online 

    0.1% min. EUR 15

    (max. 600 EUR)

    Comments:

    ¹SEPA (Single Euro Payments Area) is a payment system used only for cashless payments in euro, available in EU member countries and a few other countries (Switzerland, Norway and Liechtenstein). A SEPA payment must comply with the following criteria: the currency in which the payment is made must be EURO; the payment must be made in the normal way; the type of charges is SHA (i.e. charges are borne by each individual transaction participant); the payment is made to a bank in the EU and Switzerland, Norway and Liechtenstein.

    ²Every payment that does not meet the criteria for a SEPA payment.

    Operations in lei

    Subscription

    Services included in the subscription

    Greeting

    365

    Premium

    Premium+

    0 lei opening a current account in lei

    Greeting

    m

    365

    m

    Premium

    m

    Premium+

    m

    0 lei current account administration in lei

    Greeting

    m

    365

    m

    Premium

    m

    Premium+

    m

    Access to the account in RON through a debit card

    Greeting

    Visa
    Classic

    365

    Visa
    Classic

    Premium

    MasterCard
    Gold

    Premium+

    MasterCard
    Gold

    0 lei debit card issuance fee

    Greeting

    m

    365

    m

    Premium

    Premium+

    0 lei annual debit card maintenance fee

    Greeting

    m

    365

    m

    Premium

    m

    Premium+

    m

    0 lei cash release fee from ATM BT

    Greeting

    m

    365

    m

    Premium

    m

    Premium+

    m

    0 lei ATM/POS BT balance inquiry fee

    Greeting

    m

    365

    m

    Premium

    m

    Premium+

    m

    0 lei for payments between BT accounts, in lei made via Internet/mobile banking

    Greeting

    m

    365

    m

    Premium

    m

    Premium+

    m

    Access to BT Pay

    Greeting

    m

    365

    m

    Premium

    m

    Premium+

    m

    0 lei for collection from other banks in lei

    Greeting

    *

    365

    m

    Premium

    m

    Premium+

    m

    Accident insurance MLN**

    Greeting

    365

    m

    Premium

    m

    Premium+

    m

    Life/disability insurance MLN**

    Greeting

    365

    m

    Premium

    Premium+

    m

    Travel insurance

    Greeting

    365

    Premium

    m

    Premium+

    m

    Access to Business Lounges in Bucharest and Cluj-Napoca Airports

    Greeting

    365

    Premium

    m

    Premium+

    m

    Priority in the Contact Centre (VIP line)

    Greeting

    365

    Premium

    m

    Premium+

    m

    Standard monthly cost

    Greeting

    0 lei/ month

    365

    7 lei/ month

    Premium

    17 lei/ month

    Premium+

    20 lei/ month

    Comments:

    The contracted subscription, as well as the related cost facilities, shall enter into force on the day of setting and shall be valid until it is renounced by the customer or, as the case may be, until the termination of the business relationship between the customer and the bank. 

    *For the Salute subscription, the 0 LEI cost facility on BT - other banks' collections in lei will be applied only if the customer has had current account credits of at least 300 LEI each month. In order to benefit in the current month from the zero fee on withdrawals from other banks, the previous month's withdrawals should be verified. The types of operations that are taken into account are: Collection by OP/border receipt processing; Instant collection; Collection by telephone number through BT Pay; RON current account crediting through exchange at standard rate/negotiated at the counter/electronic channels; Cash deposit at the counter/unattended terminals. 


    ** If the natural person benefits from the 365 or Premium+ subscription, no additional fee will be charged for MLN accident insurance.

    Services included in the subscription

    Subscription
    KID
    (0-14 years)

    Subscription
    COLLEGE
    (14-18 years)

    Subscription
    STUDENT
    (18-26 years)

    0 lei opening a current account in lei

    Subscription
    KID
    (0-14 years)

    m

    Subscription
    COLLEGE
    (14-18 years)

    m

    Subscription
    STUDENT
    (18-26 years)

    m

    0 lei current account administration in lei

    Subscription
    KID
    (0-14 years)

    m

    Subscription
    COLLEGE
    (14-18 years)

    m

    Subscription
    STUDENT
    (18-26 years)

    m

    Access to the account in RON through a debit card

    Subscription
    KID
    (0-14 years)

    Subscription
    COLLEGE
    (14-18 years)

    Visa
    Classic

    Subscription
    STUDENT
    (18-26 years)

    MasterCard
    OmniPass

    0 lei debit card issuance fee

    Subscription
    KID
    (0-14 years)

    Subscription
    COLLEGE
    (14-18 years)

    m

    Subscription
    STUDENT
    (18-26 years)

    0 lei annual debit card maintenance fee

    Subscription
    KID
    (0-14 years)

    Subscription
    COLLEGE
    (14-18 years)

    m

    Subscription
    STUDENT
    (18-26 years)

    m

    0 lei cash release fee from ATM BT

    Subscription
    KID
    (0-14 years)

    Subscription
    COLLEGE
    (14-18 years)

    m

    Subscription
    STUDENT
    (18-26 years)

    m

    0 lei ATM/POS BT balance inquiry fee

    Subscription
    KID
    (0-14 years)

    Subscription
    COLLEGE
    (14-18 years)

    m

    Subscription
    STUDENT
    (18-26 years)

    m

    0 lei for intrabank payments in lei made via the Internet

    Subscription
    KID
    (0-14 years)

    Subscription
    COLLEGE
    (14-18 years)

    m

    Subscription
    STUDENT
    (18-26 years)

    m

    Access to BT Pay

    Subscription
    KID
    (0-14 years)

    Subscription
    COLLEGE
    (14-18 years)

    Subscription
    STUDENT
    (18-26 years)

    m

    0 lei for intrabank payments in lei made via mobile banking

    Subscription
    KID
    (0-14 years)

    Subscription
    COLLEGE
    (14-18 years)

    Subscription
    STUDENT
    (18-26 years)

    m

    0 lei for collection from other banks to BT account in lei

    Subscription
    KID
    (0-14 years)

    *

    Subscription
    COLLEGE
    (14-18 years)

    *

    Subscription
    STUDENT
    (18-26 years)

    *

    Travel insurance

    Subscription
    KID
    (0-14 years)

    Subscription
    COLLEGE
    (14-18 years)

    Subscription
    STUDENT
    (18-26 years)

    m

    Extra options available

    Subscription
    KID
    (0-14 years)

    Kid Lei account
    Kid Euro account
    Current accounts
    in foreign currency
    EUR/ FCY

    Subscription
    COLLEGE
    (14-18 years)

    Kid Lei account
    Kid Euro account
    Current accounts
    in foreign currency
    EUR/ FCY

    Subscription
    STUDENT
    (18-26 years)

    Standard monthly cost

    Subscription
    KID
    (0-14 years)

    0 lei/ month

    Subscription
    COLLEGE
    (14-18 years)

    0 lei/ month

    Subscription
    STUDENT
    (18-26 years)

    0 lei/ month

    Comments:

    The contracted subscription, as well as the cost facilities related to it, shall enter into force on the day of setting and shall be valid until it is renounced by the customer or, as the case may be, until the termination of the business relationship between the customer and the bank. 

    *The 0 LEI cost facility on BT - other banks' collections in lei will apply only if the customer has had current account credits of at least 300 LEI each month. In order to benefit in the current month from the zero fee on collections from other banks, the previous month's collections will be checked. The types of operations to be taken into account are: Collection by OP/border receipt processing; Instant collection; Collection by telephone number through BT Pay; RON current account crediting through exchange at standard rate/negotiated at the counter/electronic channels; Cash deposit at the counter/unattended terminals.

    Transactions on accounts

    Resident natural persons RO

    0 LEI

    Non-resident individuals

    0 LEI

    BT account receipts

    0 LEI

    Collections from other banks

    5 LEI

    Comments:

    The following are exempt from the collection commission from other banks:

    • Collections made on the following types of accounts: share capital accounts, accounts for the record of garnishments, kid account (deposits made since 17.03.2014), institutionalized kid account, sundry debits account, account for the settlement of loans
    • Collections on collateral classes of performance and management collateral
    • Charges made to the following types of card accounts: Star Forte, Star Gold, Star Platinum, Flying Blue Classic, Flying Blue Premium, MasterCard Forte for Doctors, Visa Gold BT-Rotary

    Commission amount

    At the BT counter

    Online

    BT Payments - BT

    At the BT counter

    8 LEI

    Online

    0 LEI

    BT payments - other bank

    At the BT counter

    Online

    < 999,99 LEI

    At the BT counter

    15 LEI

    Online

    2,5 LEI

    1.000 - 49.999,99 LEI

    At the BT counter

    15 LEI

    Online

    5 LEI

    &GT;= 50.000 LEI

    At the BT counter

    25 LEI

    Online

    10 LEI

    Emergency payment 16 LEI 10 LEI 

    At the BT counter

    16 LEI

    Online

    10 LEI

    Comments:

    PlățDirect Debit payments are charged the same fee as over the counter payments. 

    They are exempt from fees on intra-bank payments:

    • Payments from escrow deposit accounts
    • Non-commitment payments on current accounts related to drawings on loans
    • Intra-bank payments to the collection accounts allocated to funds managed by BT Asset Management
    • Payments by certified debit instruments

    Comments:

    • BNR/ TRANSFOND commission for BT payments - other bank
      0 - 49.999,99 LEI 0,51 LEI/ payment
      50.000 LEI (or any amount settled in emergency) 6,00 LEI/ payment
    • TRANSFOND commission for instant payments BT- other bank 0,45 LEI

    Note: These amounts are already included in the BT-other bank payment fees mentioned above.

    Type of operation

    Commission amount

    BT debit - BT debit instruments

    3,5 LEI

    BT collection - other bank by debit instruments

    Commission amount

    <49.999,99 LEI

    Commission amount

    6,88 LEI

    >50.000 LEI

    Commission amount

    8,88 LEI

    Debit payment instruments by electronic clearing - TRANSFOND

    0,88 LEI/ collection

    Declined debit payment instruments - TRANSFOND

    0,55 LEI/ refusal

    BT payment - BT debit instruments

    3,50 LEI

    BT payment - other bank by debit instruments

    Commission amount

    <999,99 LEI

    Commission amount

    5 LEI

    1.000 - 49.999,99 LEI

    Commission amount

    7,5 LEI

    >50.000 LEI

    Commission amount

    10 LEI

    Commission for issuing debit instruments

    Commission amount

    Check clearance

    Commission amount

    0,3 LEI/filă + VAT

    Issue promissory note

    Commission amount

    0,3 LEI/filă + VAT

    Release bill of exchange having pre-filled fields 5-8 of the IBAN holder with "BTRL"

    Commission amount

    0,5 LEI / line, excluding VAT

    Release bill of exchange not having pre-filled fields 5-8 of the IBAN holder with "BTRL"

    Commission amount

    0,68 LEI / line, excluding VAT

    Cash operations

    Cash deposits on individuals' accounts at the bank counter by third parties

    15 LEI/ deposit

    Cash deposits on individuals' account at the bank's counter for the payment of installments, loans, credit card, line of credit for current account, on Kidcont account, by third parties

    0 LEI

    Deposits of cash on individuals' account at the bank counter by the holder/ processor

    0 LEI

    Cash deposits to individuals' accounts, made with a BT card, via the terminals in BT establishments (BT Express, BT Express Plus)

    0 LEI

    Cash deposit in coins - for amounts exceeding 100 coins/deposit 2% of the deposited amount

    2% of the deposited amount

    Service name

    Commission amount

    BT24 subscription

    Commission amount

    Internet banking
    (web version of the application)

    Commission amount

    1 LEU/ month

    Mobile banking
    (mobile application)

    Commission amount

    4 LEI/ month 

    Neo BT

    Commission amount

    5 LEI/ month

    BT Pay

    Commission amount

    free

    Other commissions

    Commission amount

    token guarantee fee

    Commission amount

    0 LEI

    token replacement commission

    Commission amount

    50 LEI

    SMS Alert service

    5 LEI/ month/ card
    1 EUR/ month/ card

    Intrabank Direct Debit service
    for individuals with SMS Direct Debit option

    2 LEI/ SMS

    Document type

    Commission amount

    Issuing statements of account

    Commission amount

    Release monthly extras

    Commission amount

    0 LEI

    Daily statement (current month)

    Commission amount

    1 LEU/ extras

    Issue duplicate statements

    Commission amount

    3 LEI/ duplicate extras

    Fee for issuing addresses at the customer's request (other than for refinancing): official confirmation of account numbers, confirmations for audit companies, confirmations of authorized persons on the bank account

    5 LEI + VAT

    Issuance of letters of creditworthiness for bank customers

    100 LEI + VAT

    Document type 

    Commission amount

    Garnishment management

    Commission amount

    Porprire management commission

    Commission amount

    25 LEI

    Comision plată poprire (plăți < 50.000)

    Commission amount

    15 LEI

    Payment levy (payments >=50.000)

    Commission amount

    25 LEI

    Safe deposit box rental rate

    Commission amount

    Small

    Commission amount

    150 LEI + vat + premium
    insurance 0,05% (min 3 EUR)

    Medium

    Commission amount

    200 LEI + vat + premium
    insurance 0,05% (min 3 EUR)

    Sea

    Commission amount

    250 LEI + vat + premium
    insurance 0,05% (min 3 EUR)

    Comments:

    With the fee, a guarantee of 250 LEI is paid to cover the loss of the key.

    Disclosure of interest charged by BT
    on deposits over a certain period

    Commission amount

    0 LEI

    Information on exchange rates practised in the previous period
    (copies of the list of rates valid on a given date can be issued)

    Commission amount

    0 LEI

    Fees for services at the Central Payment Incident Center

    Commission amount

    Answer to the request for consultation of a 5 LEI
    + VAT CUI/CNP in the national file C.I.P.

    Commission amount

    5 LEI + VAT

    Fee for the annulment of C.I.P. bans 4,5 LEI
    + VAT on the basis of a final judgment

    Commission amount

    4,5 LEI + VAT

    Central Banking Risk Central (CRB) consultation fee
    applicable to CRB consultations for non BT customers

    Commission amount

    2.5 LEI / consultation + VAT

    Commission for opening Escrow Deposit for individuals and non-profit legal entities

    Commission amount

    0 LEI

    Commission for opening Escrow Deposit for individuals and non-profit legal entities 

    Commission amount

    commission for the establishment of a testamentary disposition

    Commission amount

    130 LEI + VAT

    commission for modification of testamentary disposition

    Commission amount

    80 LEI + VAT

    commission for revocation of testamentary disposition

    Commission amount

    80 LEI + VAT

    Commission for opening a relationship for individuals

    0 LEI

    Primary market operations

    Offer intermediation commission

    100.000,01 LEI - 500.000 LEI

    0,15%

    500.000,01 LEI - 1.000.000 LEI

    0,10%

    > 1.000.000

    0,05%

    Secondary market operations

    0 LEI

    Pledge registration fee

    150 LEI

    Securities transfer fee (those leaving BT)

    100 LEI/series

    Current account fee for individuals

    0

    NOTE:

    The Treasury Directorate - Commercial Department is in charge of negotiating the fees - In addition to the above fees, the fees charged by SAFIR are added.

    Cash withdrawals

    From lei current account
    • At the BT counter
    • 0 - 50.000 LEI 0,9% min 9 LEI
    • 50.000,01 - 499.999,99 LEI1,5%
    • >= 500.000 LEI2%
    • BT Express/ BT Express Plus
    • 0 - 50.000 LEI 0 LEI
    • 50.000,01 - 499.999,99 LEI0 LEI
    • >= 500.000 LEI0 LEI
    • POS BT
    • 0 - 50.000 LEI 0 LEI
    • 50.000,01 - 499.999,99 LEI0 LEI
    • >= 500.000 LEI0 LEI
    • With Visa Classic card at ATM/ POS other bank EN
    • 0 - 50.000 LEI 2.5 LEI + 0,5% + 0,5%
    • 50.000,01 - 499.999,99 LEI2.5 LEI + 0,5%
    • >= 500.000 LEI2.5 LEI + 0,5% + 0,5%
    • With Visa Classic card at ATM/ POS other bank abroad
    • 0 - 50.000 LEI 2.5 LEI + 0,5% + 0,5%
    • 50.000,01 - 499.999,99 LEI2.5 LEI + 0,5%
    • >= 500.000 LEI2.5 LEI + 0,5% + 0,5%
    From the allowance account
    • Type of operation
    • At the BT counter0 LEI
    • BT Express/ BT Express Plus-
    • POS BT-
    • With Visa Classic card at ATM/ POS other bank RO-
    • With Visa Classic card at ATM/ POS other bank abroad-
    For amounts drawn on credit
    • Type of operation
    • At the BT counter0 LEI
    • BT Express/ BT Express Plus-
    • POS BT-
    • With Visa Classic card at ATM/ POS other bank RO-
    • With Visa Classic card at ATM/ POS other bank abroad-
    From the first account - Financially vulnerable FP
    • Type of operation
    • At the BT counter0 LEI
    • BT Express/ BT Express Plus0 LEI
    • POS BT0 LEI
    • With Visa Classic card at ATM/ POS other bank RO0 LEI
    • With Visa Classic card at ATM/ POS other bank abroad2.5 LEI + 0,5%

    Operations in foreign currency

    Transactions through accounts

    Resident natural persons RO

    0 LEI

    Non-resident individuals

    0 LEI

    Type of operation

    Commission amount

    SEPA incoming payments from other banks

    0 LEI

    Non- SEPA collections from other banks (SWIFT fee included)

    0.2% min. 20 EUR
    max. 800 EUR

    Commission for investigating foreign exchange receipts

    20 EUR

    Receipt of payment orders:

    Commission amount

    from banks to BT customers

    Commission amount

    0 LEI

    from other banks on the order of and/or in favor of customers of other banks domiciled in the country or abroad in tranches as follows:

    Commission amount

    > 50.000 LEI (equivalent in EUR)

    Commission amount

    9 LEI, EUR equivalent

    > 50.000 LEI (equivalent in EUR)

    Commission amount

    20 LEI, EUR equivalent

    Modifications or cancellations

    30 EUR

    Payments through BT accounts

    At the BT counter

    Online

    Payment BT Romania - BT Romania

    At the BT counter

    3 EUR

    Online

    0 LEI

    Multiple foreign exchange transfers between BT customers - transfers that have individual final payees and that have been intermediated by a BT customer (receipt of funds from abroad and redistribution to BT individual customers)

    At the BT counter

    10 EUR/ transfer

    Online

    0 LEI

    BT payment - other bank (SEPA)

    At the BT counter

    Online

    <1.000 Lei (echivalent in EUR)

    At the BT counter

    15 LEI
    in EUR equivalent

    Online

    2,5 LEI
    in EUR equivalent

    <=1.000 – 50.000 LEI (echivalent in EUR)

    At the BT counter

    15 LEI
    in EUR equivalent

    Online

    5 LEI
    in EUR equivalent

    >50.000 Lei (equivalent in EUR)

    At the BT counter

    25 LEI
    in echiv EUR

    Online

    10 LEI
    in EUR equivalent

    Plata BT - high bank (non SEPA)

    At the BT counter

    0.2% min 20 EUR,
    max 800 EUR

    Online

    0.1% min. 15 EUR,
    max. 600 EUR

    <=150.000 EUR

    At the BT counter

    25 EUR/ payment

    Online

    25 EUR/ payment

    >150.000 EUR

    At the BT counter

    75 EUR/ payment

    Online

    75 EUR/ payment

    Commission for investigating foreign exchange payments

    At the BT counter

    20 EUR

    Online

    20 EUR

    Comments:

    1 SEPA (Single Euro Payments Area) is a payment system used only for cashless payments in euro,

    available in EU member countries and a few other countries (Switzerland, Norway and Liechtenstein). A SEPA payment must

    comply with the following criteria: the currency in which the payment is made must be EURO; the payment must be made in

    normal; the type of fees is SHA (i.e. the fees are borne by each individual transaction participant);

    payment is made to a bank in the EU and Switzerland, Norway and Liechtenstein.

    2 Any payment that does not meet the criteria for a SEPA payment.

    Issuing bank checks

    0.50% min. EUR 10

    Registration, pick-up and re-issuance of foreign currency bank drafts and travelers' cheques:

    cec cu valoare <5.000 EUR

    1.50% min. 40 EUR/cheque

    check for >= 5.000 EUR

    1.50% max. 300 EUR/cheque

    NOTE:

    • for checks for amounts ≥ 5.000, a special courier fee is also charged
    • traveller's cheques are not payable on the spot, they are processed by bank cheques

    Cancelled cheques (on presentation of original cheques issued by BT) or returned dishonoured (of cheques presented for collection)

    10 EUR/check

    Commission stop payment

    swift message commission

    NOTE:

    • for point 1. and point 2. for the operations of issuance and remittance of foreign exchange cheques, the fees shall be charged in the currency of the cheque
    • for all the above operations, the fees of correspondent banks are also added

    Cash operations

    Cash deposits on individuals' accounts at the bank counter by third parties

    15 LEI/ deposit

    Cash deposits on individuals' account at the bank's counter for the payment of installments, loans, credit card, line of credit for current account, on Kidcont account, by third parties

    0 LEI

    Deposits of cash on individuals' account at the bank counter by the holder/ processor

    0 LEI

    Cash deposits to individuals' accounts, made with a BT card, via the terminals in BT establishments (BT Express, BT Express Plus)

    0 LEI

    Cash deposit in coins - for amounts exceeding 100 coins/deposit

    2% of the deposited amount

    Type of operation

    Commission amount

    From current account

    Commission amount

    0 - 10.000 EUR

    0.9% min EUR 4.5

    10.000,01 - 99.999,99 EUR

    1,5%

    &GT;=100.000 EUR

    2 %

    For amounts drawn on credit

    0 EUR

    All fees are set in EUR, but may be charged in RON equivalent or other convertible currencies, as requested by the client, at the BNR conversion rate on the day of collection. Foreign currency commissions charged in 'lei equivalent' shall be charged at the reference rate set by the NBR, valid on the day of collection. Commissions retained by correspondent banks are charged to customers who have ordered operations in foreign currency.

    ⁱ (a) Fees for payment order transactions listed in this paragraph do not include fees charged by intermediary banks.

    • For payments under PSD* made over the counter, the amount of these fees will be calculated and communicated to the customer in BT branches and agencies before any transaction.
    • For payments under PSD* made via Internet banking, the amount of these fees is available to customers in the application used
    • For non-DSP* payments, intermediary bank fees are communicated to customers and retained after the payment has been made and will be charged accordingly:

    - For payments with the 'OUR' option by the BT customer ordering the payment

    - For payments with option 'BEN' by the payee

    • For foreign exchange payments that require changes (e.g. mismatch between beneficiary name and account, beneficiary account and currency sent) it is possible that the beneficiary bank may charge an additional fee (repair charges); in this case, the fee charged by the beneficiary bank / the modified foreign exchange payment is communicated to the customers and retained after the payment is made, as and when received from the beneficiary bank.

    * PSD - Payment Services Directive :

    • PSD payments - will include payments to PSD countries in PSD currencies
    • CSP countries: Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Croatia, United Kingdom. SDR currencies used in Banca Transilvania: EUR, Danish krone (DKK), Swiss franc (CHF), pound sterling (GBP), Norwegian krone (NOK), Polish zloty (PLN), Czech koruna (CZK), leu (RON), Swedish krona (SEK), Hungarian forint (HUF)

    *SEPA - Single Euro Payments Area

    SEPA countries:
    European Union Member States:

    • Euro area countries: Austria, Belgium, Cyprus, Croatia, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain and Slovenia;
    • Non-euro area countries: Bulgaria, Czech Republic, Denmark, Latvia, Lithuania, Hungary, Poland, Romania, Slovakia, Sweden and the United Kingdom;
    • Member States of the European Economic Area (EEA): Iceland, Liechtenstein, Norway;
    • Switzerland and Monaco.

    SEPA will also be extended to the following territories, which are considered part of the European Union (Art. 299 Treaty of Rome): Martinique, Guadeloupe, French Guiana, Reunion, Gibraltar, the Azores, Madeira, the Canary Islands, Ceuta and Melilla and the Aland Islands.

    There is no correspondent banking fee for SEPA payments.

    (b) For collections whose payers have chosen the "SHA" or "BEN" option, the intermediary banks' fees shall be communicated to the customers and retained at the same time as the collection is made.

    Transfers of foreign exchange receipts and payments must comply with the legality criteria deriving from the legislative and internal regulatory framework in force. Depending on the risks associated with the transactions from the perspective of money laundering/terrorist financing and international sanctions, Banca Transilvania:
    i) does not honor any transfers with indicia of countries under international sanctions/restrictions: Cuba, Iran, Syria, Syria, Sudan, South Sudan, North Korea, Belarus, the Transnistrian Region of the Republic of Moldova and the Crimea, Donetsk, Lugansk, Zaporozhe and Herson Regions of Ukraine, Afghanistan and Venezuela.
    ii) requires supporting documents for the processing of transfers to/from the countries: Democratic Republic of Congo, Zimbabwe, Myanmar/Burma, Libya, Iraq , Nicaragua, Russian Federation and Ukraine (in addition, in the case of payments it is required to fill in an Affidavit to inform clients of the risk of blocking funds).

    • Euro area countries: Austria, Belgium, Cyprus, Croatia, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain and Slovenia;
    • Non-euro area countries: Bulgaria, Czech Republic, Denmark, Latvia, Lithuania, Hungary, Poland, Romania, Slovakia, Sweden and the United Kingdom;
    • Member States of the European Economic Area (EEA): Iceland, Liechtenstein, Norway;
    • Switzerland and Monaco.
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