This page is automatically translated from Romanian into English.

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Call Center

PESTE
20
MIN
WAITING TIME
10
CUSTOMERS
IN CONVORBORATION
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0264 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.

Commissions brochure

Last update: 22.04.2024


Operations in lei

Cash operations

Cash deposits to the account of individuals, made at the bank counter by third parties
10 lei/deposit
Cash deposits to the account of individuals, made at the bank counter by the holder/ authorised representative/delegate
0 RON
Cash deposits to the account of individuals, made with BT card, through the terminals available in BT units (BT Express, BT Express Plus)
0 RON
Cash deposit in coins for amounts exceeding 100 coins/deposit
2% of the deposited amount

NOTE:

Cash deposits in the form of coins for the payment of instalments on credit or for bill payments - whether the deposit is made by the holder or by another person - free of charge

  • from current account in lei
    • 0 - 50.000 RON
      0.5%, min. 5 RON
    • 50.000,01 - 499.999,99 RON
      1%
    • ≥ 500.000 RON
      1,5%
  • from the allowance account ("PSPF" account)
    0 RON
  • for amounts drawn on credit
    0 RON

NOTE:

1. Debits relating to current account transactions shall be penalised by interest applied to the amount of the amount recorded as unauthorised overdraft, as follows:

1.1. accounts without credit line for debit balances ≥ 50 RON
15%/year
1.2. conturi fără linie de credit pentru solduri debitoare < 50 RON
0%/year
1.3. line of credit accounts
15%/year

2. For debits posted to a credit card account, interest shall be charged on the debit entry to the amount of the amount posted as unauthorised overdraft, as follows:

2.1. card accounts without a credit line
15%/year
2.2. credit line card accounts
24%/year - 30%/year,
equal to the interest applied to the credit line available on the card account at the time of the debit entry situation

3. For cash withdrawals the following shall be observed:

Currency: LEI
Amount
Programming
≤ 40.000
-
40.001-200.000
at least 24 hours in advance
200.001-500.000
at least 48 hours in advance
> 500.000
at least 48 hours in advance

Transactions through accounts

resident individuals
0 RON
non-resident individuals
10 RON
individuals - by mail
10 EUR lei equivalent
Interbank over-the-counter payments with payment order, including BNR/TRANSFOND commission. By instalments, depending on the value of the operation:
from 0 to 50.000 RON
9 RON
amounts > 50.000 RON (inclusive)
20 RON
Interbank over-the-counter payments with payment order, urgent or external payment in Lei
15 RON (includes BNR commission)
Interbank payments by debit instruments (cheque/money order):
< 1.000 RON
5 RON
1.000 - 49.999,99 RON
7,5 RON
≥ 50.000 RON
10 RON
Interbank payments via Internet / mobile banking / BTPay, BNR/TRANSFOND commission included:
< 1.000 RON
2,5 RON
1.000 - 49.999,99 RON
5 RON
≥ 50.000 RON
10 RON

NOTE:

* For individuals it is possible to make instant payments via Internet and Mobile Banking, BT Pay. The maximum instant transfer limit is 49.999.00 RON. The option is valid for transfers between customers of banks that have joined the Instant Payments system. For BT Pay individual customers with an application version that includes the account functionality, the following limitations will apply: maximum transfer limit RON 49,999.99/transaction and maximum transfer limit/customer RON 50,000/day;

** Transfers between own accounts/cards are not counted towards the maximum limit.

*** The maximum limit for instant payments can be changed for limited periods of time. These changes will be communicated to customers in the payment applications.

Interbank payments via Internet/mobile banking: urgent or external payment in lei, BNR commission included
10 RON (includes BNR commission)
Interbank direct debits/instant debits
5 RON
Interbank collections via debit instruments (cheque/money order), including TRANSFOND fee
< 50.000 RON
6,88 RON
≥50.000 RON
8,88 RON

NOTE:

An exception to the account opening fee is made for individuals whose salaries are to be transferred to their account, following an agreement concluded between Banca Transilvania S.A. and the company where they are employed. In the case of payment of salaries to the account, based on agreements concluded by the employer with BT, no fee is charged for the collection of the salary on the employee's current account.

1. They are exempt from interbank payment and collection fees:

Transactions carried out through collateral deposit account classes of credit collateral;
Transactions carried out through special settlement accounts with the exchange;
Transactions carried out through escrow accounts.

2. They are exempt from interbank payment fees:

Payments from certified debit instruments;
Payments from escrow deposit accounts;
Payments from uncommitted current accounts related to drawings on loans.

3. They are exempt from interchange fees:

Collections made in the following account classes: internal accounts for collections from discounted debit instruments, attachment accounts;
Collections made in the collateral deposit classes of performance and management guarantee;
Collections made in the PF credit card account classes.
Intra-bank direct debits
0 RON
Intra-bank collections via debit instruments (cheque/money order)
3,5 RON
Urgent small-value interbank payments and collections processed through the large-value interbank payments and collections circuit
15 RON
Urgent interbank payments with payment orders ordered through electronic channels (including BT Pay) made through the large-value payment circuit
10 RON

NOTE:

1. They are exempt from interbank payment and collection fees:

Transactions carried out through collateral deposit account classes;
Transactions carried out through current escrow accounts;
Transactions carried out through special stock exchange settlement accounts

2. They are exempt from interbank payment fees:

Payments from uncommitted current accounts related to drawings on loans;
Payments from escrow deposit accounts.

3. They are exempt from interchange fees:

Collections in the following account classes: attachment accounts, kid account, miscellaneous debits account, credit settlement account, current account for distribution of amounts;
Collections in the collateral deposit classes of performance guarantee and management guarantee;
Collections in the PF credit card account classes.
by cashier's order
5 RON
by debit instruments (cheque/money order)
3,5 RON
via Internet/Mobile banking
0 RON

NOTE:

1. They are exempt from fees for intrabank payments and collections:

Transactions carried out through collateral deposit account classes of credit collateral;
Transactions carried out through special settlement accounts with the exchange;
Transactions carried out through escrow accounts.

2. They are exempt from charges for intra-bank payments:

Payments from uncommitted current accounts related to drawings on loans;
Payments from escrow deposit accounts;
Intra-bank payments to collection accounts allocated to funds managed by BT Asset Management;
Payments from certified debit instruments.

3. They are exempt from fees on intra-bank withdrawals:

Collections in the following account classes: attachment accounts, kid account, miscellaneous debits account, credit settlement account;
Collections in the collateral deposit classes of performance guarantee and management guarantee;
Collections in the PF credit card account classes.
Remittance for collection
0 RON
Cheque certification
25 RON

NOTE:

The fees charged by Banca Transilvania for interbank transactions include TRANSFOND and BNR fees charged by the two entities as administrators of the SENT and ReGIS settlement systems, respectively, as follows:

  • For collections made on the basis of debit payment instruments by electronic clearing, the TRANSFOND fee is 0.88 lei/collection.
  • For refused debit payment instruments the TRANSFOND fee is 0.55 lei/refusal.
  • For payments by money order the fees charged by TRANSFOND, respectively the NBR, are:

- 0,51 lei/payment for transactions between 0 - 49.999,99 lei, TRANSFOND fee for processing via SENT system;

- 6,00 lei/payment for transactions > 50.000 lei (inclusive) or any amount settled on an emergency basis, NBR fee for processing via ReGIS system.

in Direct Debit system
0 RON
Intrabank Direct Debit service with SMS Direct Debit option
2 RON/ month/ Direct Debit mandate
Additional fee for making interbank Direct Debit payments applied to the standard interbank payment fee
min. 0,5 RON -1 RON / transaction
Fee for refusal of an Interbank Direct Debit instruction due to the customer
min. 0,5 RON - max. 1 RON/transaction
Manual execution of scheduled payment orders (additional transfer fee for regular payments under an agreement)
5 RON/plate
Conditional payment orders received:
advise
0,1%, min 200 RON
verification (if applicable)
0,1%, min 120 RON
Conditional payment orders issued
negotiable
commission setting up the lien
15 RON/popr
commission payment of garnishment
31 RON/OPH for payments over 31 RON
commission payment of garnishment
10 RON/OPH for payments less than or equal to 31 RON
suspension/withdrawal fee
15 RON/ postmark
Repair charges for charges on old card accounts
5 RON/ modified collection
Internet/Mobile banking individuals monthly subscription
Internet banking BT24 
1 RON/month
Mobile banking BT24
4 RON/month
Neo BT
5 RON/month
Exclusive Phone Banking BT
either annual subscription
500 RON
either annual subscription with monthly payment
50 RON/month
the first month after signing the contract
0 RON
Commission for collection via online platform
0 RON

Services provided

standard
1% of the declared value during the standstill period, but not less than RON 5 + VAT
where the securities to be hoarded represent collateral for loans and are secured
0 RON
Telex/fax transmissions for customers (other than statements of account sent via the automated fax teller system) - bank charges
5 RON + VAT
Issuing statements of account
at the bank's initiative (at BT counters)
0 RON
at the customer's request
1 RON
Issue of duplicate statements
3 RON /duplicate
Verification at the request of clients of certain operations
0 RON
Communication of the interest charged by Banca Transilvania on deposits for a given period
0 RON
Information on the exchange rates applied in the previous period (copies of the list of rates valid on a given date)
0 RON
Fees for services at the Payment Incident Centre
Reply to the request for consultation of an N.I.P. in the national C.I.P. file
5 RON + VAT
Fee for the cancellation of C.I.P. bans based on a final court decision
4,5 RON + VAT
Central Banking Risk Board (BRB) consultation fee - applicable to BRB consultations for non-BT customers
2,5 RON /consultation + VAT
Commission for issuing addresses at the request of the client (other than for refinancing): official confirmation of account numbers, confirmations for audit companies, confirmations of authorised persons on the account in the bank
5 RON + VAT
Commission for issuing Debit Instrument:
cheque issue
0,3 RON/row + VAT
issue promissory note
0,3 RON/row + VAT
issue bill of exchange having pre-filled fields 5-8 of the holder IBAN with "BTRL"
0,5 RON /row, excluding VAT
Promissory note endorsement with cash collateral
20 RON

NOTE:

Pre-filling these fields ensures that the remittance and collection will be done in BT.

Escrow Deposit opening fee for individuals
0 RON
Release bill of exchange not having pre-filled fields 5-8 of the holder IBAN with "BTRL"
0,68 RON /row, excluding VAT
Fees related to the establishment of testamentary dispositions of money, securities or securities on clients' accounts
commission for the establishment of a testamentary disposition
130 RON + VAT
commission for modification of testamentary disposition
80 RON + VAT
commission for revocation of testamentary disposition
80 RON + VAT
Issuance / Confirmation of previously made payment orders
0 RON
Small
150 RON + VAT + insurance premium 0,05% (min. 3 EUR)
Medium
200 RON + VAT + insurance premium 0,05% (min. 3 EUR)
Sea
250 RON + VAT + insurance premium 0,05% (min. 3 EUR)

NOTE:

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

simple translation from French/English/Italian/Spanish into Romanian or from Romanian into French/English/Italian/Spanish
35 RON/page + VAT
specialised translation from Romanian into French/English/Italian/Spanish or from French/English/Italian/Spanish into Romanian
45 RON/ page + VAT
simple translation from Romanian into German/Hungarian or from German/Hungarian
into Romanian
45 RON/ page + VAT
specialised translation from Romanian into German/Hungarian or from German/Hungarian
into Romanian
65 RON/ page + VAT
translation from Romanian into languages other than those mentioned above/from languages other than those mentioned above into Romanian
one-off price communicated
by the authorised translator + VAT

Operations with government securities

Commission for opening a relationship
0 RON
Primary market operations - commission for brokerage offer:
100.000,01 RON - 500.000 RON
0,15%
500.000,01 RON - 1.000.000 RON
0,10%
over 1.000.000 RON
0,05%
Secondary market operations
0 RON
Pledge registration fee
150 RON
Securities transfer fee (only for those leaving BT)
100 RON /series
Commission current account securities
0 RON

NOTE:

To the above fees must be added the fees charged by SAFIR (processing and settlement, notary service, centralised administration):

Fee for processing delivery-versus-payment transactions (sale/purchase, reverse transactions, execution of sale collateral)
3 lei/piece
Fee for processing delivery versus payment transactions (portfolio transfer, execution of collateral by appropriation, substitution of reverse transactions, margin call)
4 lei/piece
Fee for processing payment events (coupon payment, interest payment, redemptions)
0,40 lei/piece
Fee for primary market operations (including re-openings of issues)
10,50 lei/piece
Fee for processing primary market results (including pre-changes)
0,40 lei/piece
Fee for processing collateral (pledge registration, pledge substitution, securities in dispute, pledgee transfer, pledged securities portfolio transfer, pledge release)
4 lei/piece

Centralised administration fee applicable to holdings of financial instruments for which the SAFIR system acts as issuing CSD
- calculated monthly:

1. The nominal value of the portfolio recorded at the end of each business day of the reference month shall be applied a percentage, depending on the portfolio's classification in value tranches, as follows: 0.00049%
(= 500,000,000 lei), 0.00048% (500,000,001 - 10,000,000,000 lei), 0.00047% (>10,000,000,000 lei)
2. The values thus calculated shall be aggregated at the end of the month and the result divided by the number of working days in that month.

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
Hi
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 intrabank payments 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 access to NeoBT
Hi
*
365
m
Premium
m
Premium+
m
0 lei for interbank collection in lei
Hi
*
365
m
Premium
m
Premium+
m
Life/disability insurance MLN**
Hi
-
365
m
Premium
-
Premium+
m
Travel insurance
Hi
-
365
-
Premium
m
Premium+
m
Access to Business Lounges in Bucharest and Cluj-Napoca Airports
Hi
-
365
-
Premium
m
Premium+
m
Priority in the Contact Centre (VIP line)
Hi
-
365
-
Premium
m
Premium+
m
Standard monthly cost
Hi
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 take effect on the day of setting up (signing of this application) and shall be valid until the customer renounces it or, as the case may be, until the business relationship between the customer and the bank is terminated.

**For Salut subscription, the cost facilities of 0 lei for NeoBT monthly subscription (Internet and mobile banking) and 0 lei commission on interbank withdrawals in lei will be applied only if the customer has a minimum current account credit of 300 lei.

** If the individual benefits from the 365 or Premium+ subscription, no additional fee will be charged for the MLN life/disability 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)1

m
Subscription
COLLEGE
(14-18 years)1

m
Subscription
STUDENT
(18-26 years)

m
0 lei current account administration in lei
Subscription
KID
(0-14 years)1

m
Subscription
COLLEGE
(14-18 years)1

m
Subscription
STUDENT
(18-26 years)

m
Access to the account in RON through a debit card
Subscription
KID
(0-14 years)1

-
Subscription
COLLEGE
(14-18 years)1

Visa
Classic
Subscription
STUDENT
(18-26 years)

MasterCard
OmniPass
0 lei debit card issuance fee
Subscription
KID
(0-14 years)1

-
Subscription
COLLEGE
(14-18 years)1

m
Subscription
STUDENT
(18-26 years)

-
0 lei annual debit card maintenance fee
Subscription
KID
(0-14 years)1

-
Subscription
COLLEGE
(14-18 years)1

m
Subscription
STUDENT
(18-26 years)

m
0 lei cash release fee from ATM BT
Subscription
KID
(0-14 years)1

-
Subscription
COLLEGE
(14-18 years)1

m
Subscription
STUDENT
(18-26 years)

m
0 lei ATM/POS BT balance inquiry fee
Subscription
KID
(0-14 years)1

-
Subscription
COLLEGE
(14-18 years)1

m
Subscription
STUDENT
(18-26 years)

m
0 lei for intrabank payments in lei made via the Internet
Subscription
KID
(0-14 years)1

-
Subscription
COLLEGE
(14-18 years)1

m
Subscription
STUDENT
(18-26 years)

m
Access to BT Pay
Subscription
KID
(0-14 years)1

-
Subscription
COLLEGE
(14-18 years)1

-
Subscription
STUDENT
(18-26 years)

m
0 lei for access to NeoBT
Subscription
KID
(0-14 years)1

-
Subscription
COLLEGE
(14-18 years)1

-
Subscription
STUDENT
(18-26 years)

*
0 lei for intrabank payments in lei made via mobile banking
Subscription
KID
(0-14 years)1

-
Subscription
COLLEGE
(14-18 years)1

-
Subscription
STUDENT
(18-26 years)

m
0 lei for interbank collection in lei
Subscription
KID
(0-14 years)1

**
Subscription
COLLEGE
(14-18 years)1

**
Subscription
STUDENT
(18-26 years)

*
Travel insurance
Subscription
KID
(0-14 years)1

-
Subscription
COLLEGE
(14-18 years)1

-
Subscription
STUDENT
(18-26 years)

m
Livia Chatbot from BT
Subscription
KID
(0-14 years)1

m
Subscription
COLLEGE
(14-18 years)1

m
Subscription
STUDENT
(18-26 years)

m
Extra options available
Subscription
KID
(0-14 years)1

Kid account Lei,
Kid account Euro
Current
accounts in
currency EUR/
FCY
Subscription
COLLEGE
(14-18 years)1

Kid account Lei,
Kid account Euro
Current
accounts in
currency EUR/
FCY
Subscription
STUDENT
(18-26 years)

Neo Web
and Neo App
Free*
Current
accounts in
currency EUR/
FCY
Standard monthly cost
Subscription
KID
(0-14 years)1

0 lei/ month
Subscription
COLLEGE
(14-18 years)1

0 lei/ month
Subscription
STUDENT
(18-26 years)

0 lei/ month

Comments:

The contracted subscription as well as the related cost facilities shall take effect on the day of setting up (signing of this application) and shall be valid until the customer renounces it or, as the case may be, until the business relationship between the customer and the bank is terminated.

*For the Student Subscription the facilities regarding the cost of 0 lei for NeoBT monthly subscription (Internet and mobile banking) and 0 lei commission on interbank withdrawals in lei will be applied only if the customer has a minimum current account credit of 300 lei.

Comments:

The contracted subscription as well as the related cost facilities shall take effect on the day of setting up (signing of this application) and shall be valid until the customer renounces it or, as the case may be, until the business relationship between the customer and the bank is terminated.

** For KID and College subscriptions, the 0 lei commission on interbank withdrawals in lei will only apply if the customer has a minimum current account credit of 300 lei.

Operations in foreign currency

Cash operations

Cash deposits to the account of individuals, made at the bank counter by third parties
10 lei/deposit
Cash deposits to the account of individuals, made at the bank counter by the holder/ authorised representative/delegate
0 RON
Cash deposits to the account of individuals, made with a BT card, via terminals in BT units (BT Express, BT Express Plus)
0 RON
Depositing cash in coins
negotiable
Cash disbursements:
0-10,000 EUR (or equivalent)
0.5% of the transaction amount, min. EUR 3 (or equivalent)
10.000,01-99.999,99 EUR (or equivalent)
1% of the transaction amount
= EUR 100,000 (or equivalent)
1.5% of the transaction amount
Withdrawal of amounts drawn down
0 EUR

NOTE:

1. For transactions in a currency other than the account currency, conversions may be made at the customer's request using the parities established by BT.
2. Debits related to current account transactions shall be penalized by 10% / year on the amount recorded as unauthorized overdraft.
3. For cash withdrawals the following shall be observed:
Currency: EUR, USD
Amount
Programming
≤ 5.000
-
5.001-50.000
at least 24 hours in advance
50.001-150.000
at least 48 hours in advance
> 150.000
at least 48 hours in advance
Other currencies
at least 48 hours in advance

Operations with cheques

Bank cheque deliveries
0.50% min. EUR 10
Fees for registration, collection and remittance of bank cheques in foreign currency and traveller's cheques:
cec cu valoare < 5.000 EUR
1.50%, min. 40 EUR / cheque
cheque with a value ≥ EUR 5,000
1.50%, max. 300 EUR / cheque
For cheques with a value ≥ 5,000, a special courier fee is also charged;
Traveller's cheques are not payable on the spot, they are processed as bank cheques.
For operations involving the issue and remittance of foreign currency cheques, commissions are charged in the currency of the cheque.
Cancelled cheques (on presentation of original cheques issued by BT) or returned dishonoured (of cheques presented for collection)
10 EUR / cheque
Commission stop payment
swift message commission

NOTE:

For all the above operations, the fees of the correspondent banks are added.

Operations with payment orders

Issuance of payment orders: in instalments, depending on the value of the transactions, as follows:
Receipt of payment orders
from other banks to BT customers
0 RON
from other banks to the order of and/or in favour of customers of other banks established in the country or abroad
per tranche, as per
above
Amendments / cancellations
30 EUR
Over-the-counter intrabank payments
2 EUR
Intra-bank payments via Internet/mobile banking
0 RON
Interbank payments
in a currency other than Euro at the counter or to a beneficiary with an account at a bank outside the SEPA area
0.2% min 20 EUR,
max. 800 EUR (commission
SWIFT/TRANSFOND included)
Over-the-counter interbank payment in Euro to a beneficiary with an account at a bank in the SEPA area
In tranches, depending on the value of the operation:
from 0 to 50.000 RON in EUR equivalent (inclusive)
9 RON in EUR equivalent
amounts > 50.000 RON in EUR equivalent
20 RON in EUR equivalent
through electronic channels in a currency other than Euro or to a beneficiary with an account at a bank outside the SEPA area (Internet/mobile banking)
0.1% min 15 EUR, max
600 EUR (SWIFT/
TRANSFOND commission included)
Interbank payment via electronic channels in Euro to a beneficiary with an account at a bank in the SEPA area (Internet/mobile banking)
In tranches, depending on the value of the operation:
from 0 to 1.000 RON in EUR equivalent
2,5 RON in EUR equivalent
from 1.000 RON inclusive, up to 50.000 RON in EUR equivalent
5 RON in EUR equivalent
amounts ≥ 50,000 lei in EUR equivalent
10 RON in EUR equivalent
Instant interbank payments in EUR, via electronic channels, to an account opened with a bank in the SEPA area that has joined TIPS (Target Instant Payment Settlement)
In tranches, depending on the value of the operation:
from 0 to 1.000 RON in EUR equivalent
2,5 RON in EUR equivalent
from 1000 lei up to 50.000* RON in EUR equivalent
5 RON in EUR equivalent
amounts ≥ 50.000 RON in EUR equivalent
N/A

Note: The maximum amount that can be paid out in EUR instant interbank is 1,000 eur/payment.

Fee for the processing and notification of emergency foreign currency payments
1 - 150.000 EUR
25 EUR / payment
over EUR 150,000
75 EUR / payment

Note: the commission is charged together with the transaction fees. The commissioned transaction is carried out with the same day's foreign exchange date or 1 day's foreign exchange date and the final swift message is sent to the branch on the day of the transaction.

Multiple foreign exchange transfers between BT customers - transfers that have individual end beneficiaries and have been intermediated by a BT customer (receipt of funds from abroad and redistribution to BT individual customers
10 EUR / transfer
Conditional payment orders received
advise
0.1%, min. EUR 50
verification (if applicable)
0.1%, min. EUR 30
Conditional payment orders issued
negotiable
Repair charges for currency collections with incorrect details
5 EUR /cash
currency modified
Foreign exchange collection fee with back-value-date, retained by the paying customer's bank
EUR 30
amendment, to
adding
risk margin and
EONIA interest rate
Commission for investigations of foreign exchange collections/payments
20 EUR
Commission for endorsement of promissory notes and bills of exchange with collateral deposit
0.15% / quarter
or fraction of
quarter, minimum
50 USD

Foreign exchange payment transactions

Buying / selling foreign exchange against national currency
0 RON
Delays in the settlement of foreign exchange transactions
Lei
overdraft interest
currency
LIBOR interest rate + 3 percentage points
Forward operations
sight interest
collateral deposit bonus

Fees for transactions in financial instruments on international markets (BT - custodian agent)

Custody fee (EUROCLEAR/CLEARSTREAM)
0.10%/year, charged monthly
Payment fees
25 EUR negotiable/payment
Amendment / cancellation fee
15 EUR/operation
Coupon redemption
15 EUR/operation
Tax reclaim
70 EUR/operation

Note: All fees are VAT inclusive.

Miscellaneous

Express mail commission: DHL, other systems
current postal rate + VAT
Commission for postal money order, remittance of cheques or other bills
the postal tariff in force
Fee for confirmations of transactions or account balances requested by other banks
charged on the basis of
reciprocity (commission equal to
that charged by each bank in
part + VAT)
Fee for exchanging used currency (EUR and USD)
10% for deposits of used currency
of grade B, when
the proportion of used currency
exceeds 5% of the total amount

Note: Used currency exchange is only for BT customers on account transactions

Credit Bureau (CB) Consultation Fee - applicable to CB consultations for non-BT customers
1,1 EUR/consultation + VAT
Sending an account statement or balance via swift message
monthly subscription EUR 25 / statement
or balance, per currency
Escrow Deposit opening fee for individuals
0 RON
Direct Debit payments:
Direct Debit intrabank payments
0 RON
Intrabank Direct Debit service with SMS Direct Debit option
2 RON (account currency equivalent)/ month
/ direct debit mandate

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:
    • In the case of payments with the "OUR" option by the BT customer ordering the payment
    • In the case of payments with the option "BEN" by the payee
  • - For foreign exchange payments that require changes (e.g. mismatch between name and beneficiary account, beneficiary account and currency sent), the beneficiary bank may charge an additional fee (repair charges); in this case, the fee requested by the beneficiary bank/changed foreign exchange payment is communicated to customers and retained after the payment is made, as it is 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 arising from the legislative and internal regulatory framework in force. Depending on the risks associated with transactions from the perspective of money laundering/terrorist financing and international sanctions, Banca Transilvania:
i) does not honour any transfers with indices of countries under international sanctions/restrictions: Cuba, Iran, Syria, Sudan, South Sudan, North Korea, Belarus, Transnistria Region of the Republic of Moldova and Crimea, Donetsk, Lugansk, Zaporozhye and Herson Regions of Ukraine, Afghanistan and Venezuela.
ii) requires the submission of supporting documentation for the processing of transfers to/from the countries: Democratic Republic of Congo, Zimbabwe, Myanmar/Burma, Libya, Iraq , Russian Federation and Ukraine (additionally, in the case of payments, the completion of the Affidavit is required in order to inform clients of the risk of funds being blocked).

  • 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.

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:
    • In the case of payments with the "OUR" option by the BT customer ordering the payment
    • In the case of payments with the option "BEN" by the payee
  • - For foreign exchange payments that require changes (e.g. mismatch between name and beneficiary account, beneficiary account and currency sent), the beneficiary bank may charge an additional fee (repair charges); in this case, the fee requested by the beneficiary bank/changed foreign exchange payment is communicated to customers and retained after the payment is made, as it is 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 arising from the legislative and internal regulatory framework in force. Depending on the risks associated with transactions from the perspective of money laundering/terrorist financing and international sanctions, Banca Transilvania:
i) does not honour any transfers with indices of countries under international sanctions/restrictions: Cuba, Iran, Syria, Sudan, South Sudan, North Korea, Belarus, Transnistria Region of the Republic of Moldova and Crimea, Donetsk, Lugansk, Zaporozhye and Herson Regions of Ukraine, Afghanistan and Venezuela.
ii) requires the submission of supporting documentation for the processing of transfers to/from the countries: Democratic Republic of Congo, Zimbabwe, Myanmar/Burma, Libya, Iraq , Russian Federation and Ukraine (additionally, in the case of payments, the completion of the Affidavit is required in order to inform clients of the risk of funds being blocked).

  • 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.