Fees and commissions
Last update: 02.10.2025
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*
N/A
>=100.000 EUR
At the BT counter
2%
ATM*
N/A
Comments:
* The possibility of withdrawing foreign currency from the ATM depends on the limits of the card with which the transaction is attempted. Please check the limits of the card on the bank's website, on the page dedicated to it.
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 Instant Payments - BT via RoPay/RoPay Alias
At the BT counter
-
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
BT instant payments - other bank via RoPay/RoPay Alias
At the BT counter
-
Online
0 LEI
Pleți BT - Victoriabank
At the BT counter
0 LEI
Online
0 LEI
BT Payments Romania - BT Italia
At the BT counter
0 LEI
Online
0 LEI
Commission amount
At the BT counter
Online
Payment BT Romania - BT Romania
At the BT counter
3 EUR
Online
0 LEI
Pleți BT - Victoriabank*
At the BT counter
0 LEI
Online
0 LEi
Comments:
0 (zero) commission applies for paymentsmade in the following currencies: EUR,USD,GBP,CHF.
BT Payments Romania - BT Italia
At the BT counter
0 LEI
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
>= 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
Gold
Gold+
0 lei opening a current account in lei
Greeting
365
Gold
Gold+
0 lei current account administration in lei
Greeting
365
Gold
Gold+
Access to the account in RON through a debit card
Greeting
Visa
Classic
365
Visa
Classic
Gold
MasterCard
Gold
Gold+
MasterCard
Gold
0 lei debit card issuance fee
Greeting
365
Gold
Gold+
0 lei annual debit card maintenance fee
Greeting
365
Gold
Gold+
0 lei cash release fee from ATM BT
Greeting
365
Gold
Gold+
0 lei ATM/POS BT balance inquiry fee
Greeting
365
Gold
Gold+
0 lei for payments between BT accounts, in lei made via Internet/mobile banking
Greeting
365
Gold
Gold+
Access to BT Pay
Greeting
365
Gold
Gold+
0 lei for collection from other banks in lei
Greeting
*
365
Gold
Gold+
Accident insurance MLN**
Greeting
365
Gold
Gold+
Life/disability insurance MLN**
Greeting
365
Gold
Gold+
Travel insurance
Greeting
365
Gold
Gold+
Access to Business Lounges in Bucharest and Cluj-Napoca Airports
Greeting
365
Gold
Gold+
Priority in the Contact Centre (VIP line)
Greeting
365
Gold
Gold+
Standard monthly cost
Greeting
0 lei/ month
365
7 lei/ month
Gold
17 lei/ month
Gold+
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)
Subscription
COLLEGE
(14-18 years)
Subscription
STUDENT
(18-26 years)
0 lei current account administration in lei
Subscription
KID
(0-14 years)
Subscription
COLLEGE
(14-18 years)
Subscription
STUDENT
(18-26 years)
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)
Subscription
STUDENT
(18-26 years)
0 lei annual debit card maintenance fee
Subscription
KID
(0-14 years)
Subscription
COLLEGE
(14-18 years)
Subscription
STUDENT
(18-26 years)
0 lei cash release fee from ATM BT
Subscription
KID
(0-14 years)
Subscription
COLLEGE
(14-18 years)
Subscription
STUDENT
(18-26 years)
0 lei ATM/POS BT balance inquiry fee
Subscription
KID
(0-14 years)
Subscription
COLLEGE
(14-18 years)
Subscription
STUDENT
(18-26 years)
0 lei for intrabank payments in lei made via the Internet
Subscription
KID
(0-14 years)
Subscription
COLLEGE
(14-18 years)
Subscription
STUDENT
(18-26 years)
Access to BT Pay
Subscription
KID
(0-14 years)
Subscription
COLLEGE
(14-18 years)
Subscription
STUDENT
(18-26 years)
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)
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)
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.
Free interbank cash withdrawals
Free interbank payments in RON made through electronic channels
Debit card - Visa Platinum
Free Priority Pass membership
Access to lounges in Bucharest, Cluj-Napoca and Timisoara*
Merchant discounts through Visa Premium program
Access to a comprehensive package of Roadside Assistance Services**
Personal concierge services offered through our partner Consiergo
Foreign travel insurance***
Accident insurance from Metropolitan Life
Priority in the Call Centre
Monthly cost ****: 30 lei/ 60 lei/ month
Comments:
* In order to benefit from free access to the lounges in Bucharest and Cluj-Napoca, you must have made payments to merchants with your BT Visa Platinum debit card of at least 5,000 lei in the last month (settled at least 96 hours before the lounge entrance). In order to benefit from the bonus of 6 free entries/year in the lounges in Bucharest, Cluj-Napoca and Timisoara, you must have made payments to merchants of at least 7,500 lei in the last month (settled at least 96 hours before entering the lounge).
** Access to a comprehensive package of Roadside Assistance Services , which includes towing services, vehicle recovery, replacement of the vehicle with a spare one, accommodation and other facilities, up to a maximum of 2 events/year/cardholder, provided that payments to merchants of at least 300 lei have been made in the last 3 months prior to the event.
*** Provides coverage for medical emergencies, including winter sports, flight delays or cancellations, lost or delayed luggage, legal assistance, and more, provided you have paid with your card at merchants a minimum of 300 lei in the last 3 months before your trip.
**** From July 16, 2025, the cost of the subscription will be dynamic, as follows:
- 30 lei/month - as long as the customer is a Premium customer (meets the eligibility conditions);
- 60 lei/ month - if the customer loses his Premium status but wants to keep the subscription.
For the first 6 months after the launch (until July 16, 2025), the 'Premium Club' subscription will have a fixed cost of 30 lei/month, even if the customer is no longer in the 'Premium' category.
Transactions on accounts
Resident natural persons RO
0 LEI
Non-resident individuals
0 LEI
BT account receipts
0 LEI
BT account withdrawals via RoPay/RoPay Alias
Collections from other banks
5 LEI
Instant cashouts from other banks via RoPay/RoPay Alias
0 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
Conditional payment ordersreceived - endorsement
0.1% min 200 LEI
Conditional payment ordersreceived -verification (ifapplicable)
0.1% min 120 LEI
Commission amount
At the BT counter
Online
BT Payments - BT
At the BT counter
8 LEI
Online
0 LEI
BT-BT payments via RoPay/RoPay Alias
At the BT counter
-
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
>= 50.000 LEI
At the BT counter
25 LEI
Online
10 LEI
BT Instant Payments - other bank via RoPay/RoPay Alias
At the BT counter
-
Online
0 LEI
BT Payments - Victoriabank
At the BT counter
0 LEI
Online
0 LEI
External payment ( SWIFT ) in RON
At the BT counter
30 LEI
Online
10 LEI
BT Payments Romania - BT Italia
At the BT counter
Online
0 LEI
Emergency payment
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.
Comments:
The maximum limit for instant payments may be changed for limited periods of time. These changes will be communicated to customers in the payment applications.
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
free from April 2025
Mobile banking
(mobile application)
Commission amount
free from April 2025
Neo BT
Commission amount
free from April 2025
BT Pay
Commission amount
free
Other commissions
Commission amount
token guarantee fee
Commission amount
0 LEI
token replacement commission
Commission amount
free
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
CUI/CNP in the national C.I.P. file.
Commission amount
5 LEI + VAT
Commission for the annulment of C.I.P. bans
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/non-SEPA receipts from other banks
0 LEI
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 (echivalent 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
Conditional payment ordersreceived - endorsement
0.1% min 200 LEI
Conditional payment ordersreceived -verification (ifapplicable)
0.1% min 120 LEI
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%
>=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.
