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    • NOUDo openan online account
    directly from BT Pay

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    Banking

    Bt Pay

    NEW 100.000 lei for your plans?

    Apply for online credit directly from BT Pay.

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    100.000 lei for your plans?

    You do everything from your phone, from the comfort of your home or while you wait for your pizza to be delivered. We put the money in your account and you stick to your plans. ☺️
    📍Good to know: it's important to have your up-to-date BT Pay details and your declared salary income with the tax office to be considered for your application.

    How does it work?
    You log in to BT Pay, fill in a few details about yourself and your needs, we tell you the offer, you sign and that's it. ☺️

    Online account directly from the app

    Everything lasts as long as you listen to 2 tracks,anytime, anywhere, 100% online

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    Online account directly from the app

    You can become a BT customer anytime 🥰. Just download your BT Pay and tell us a bit about yourself. It's all done 100% online, straight from your phone... and there's no video call required. 

    Once you go through all the steps you can use BT Pay on the spot, as you already have your digital card. And yes, it really does take as long as 2 pieces.

    Cash or card? Phone

    No need to stop the conversation or close other apps

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    Cash or card? Phone

    Did you get to the house? Just unlock your phone and bring it close to the POS without opening the app. Unlock & Pay*, quickly and easily, without a PIN. And no fee. Discover all the ways to pay in the app settings.

    *You can pay with your phone if you have NFC available on your Android. If you have an Apple, one click sends your BT Pay cards to Apple Wallet and paying with your phone is just as easy.

    Increase your credit line

    The perfect solution for remote banking

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    More credit, fewer roads

    You can increase your credit limit up to 25,000 lei for the Star Forte and BT Flying Blue Classic cards and 50,000 lei for the Star Gold and BT Flying Blue Premium cards, depending on eligibility conditions.

    The best part is that you do it all from BT Pay, no need to come to the bank. Your card and increased credit are available immediately, directly in the app.

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    Online payments are secure

    And easier to confirm than ever

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    Confirm payments simply and intuitively

    Directly from your phone, using Face ID, fingerprint or other phone unlock method. Safer, hassle-free.

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    Only 2 banking apps

    One for you, one for your business

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    Only 2 banking apps

    Soon, you'll be able to bank from your phone using just 2 apps: BT Pay (for individuals) and BT Go (for businesses). We are constantly working on these apps so that they are the only apps you need for everyday banking. BT Pay and BT Go will gradually replace NeoBT and BT24. Go here to see more.

    BT Pay, tailored to your lifestyle

    Phone, wallet, keys, headphones. The away-from-home checklist is done, but you know what you can do without? Your wallet, you don't need it when you've got BT Pay

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    BT Pay, tailored to your lifestyle

    BT Pay is your all in one app for everyday life. 

    Pay for taxis with your card, withdraw cash from ATMs with just your phone, take out insurance for your next city break or pay your electricity bill. All this and even more, with BT Pay. You may not realise how much a banking app can make your life easier, so let's tell you about BT Pay one by one. 

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    Shop super-easy

    BT Pay saves you even when you need a safety net

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    STAR Shopping Card, on the spot

    When we say #EasyBanking, the emphasis is always on easy. Wherever you are, if you want to buy something, you can get your card in just a few minutes from the app. And yes, you can use it straight away.

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    Send or ask for money

    Directly on your phone or via IBAN, in one go

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    Send or ask for money

    If your friends also have BT Pay, all you have to do is select the person or people in your phonebook and fill in the amount you send or request. If not, it's just as easy to transfer money to them via IBAN.

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    Investment funds

    Kind of like a workout plan... but for your money: invest on the spot, straight from the app

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    Investment funds

    You could say a few more times that you want to start investing, or you could invest, directly from BT Pay.

    Yes, you really only need BT Pay to invest. 14 investment funds in RON, EUR and USD, with varying degrees of risk and potential returns, are just a click away. You can see details of each fund's returns, main holdings and currency.

    One of the best parts is that you can set recurring payments - meaning you know you're sticking to your plan to invest monthly.

    BT Virtual Card x UNTOLD x VISA

    Enter the magical world of UNTOLD with the dedicated virtual card, which brings you numerous benefits

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    BT Virtual Card x UNTOLD x VISA

    We took inspiration from the electrifying energy and vibe of festival lovers and created a specially designed virtual card that works (almost) like a normal debit card, only you get it in just a few taps, straight from BT Pay, without the physical card. Come into BT Pay to see all the benefits you can enjoy when paying with the BT x UNTOLD x VISA virtual card.

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    You pay the bills

    Just a few taps to pay your utility bills

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    You pay the bills

    For telephone, gas, electricity, water, etc.

    Add your online utility accounts to the app and you'll see your overdue bills, payment history and be able to make payments automatically from your BT card. Or you can choose to scan your utility bill.

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    Overdraft, your secret pocket

    Plus, you can increase your overdraft credit line on the spot

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    Overdraft, your secret pocket

    You can get up to £25,000 cash back directly from BT Pay. It's all 100% online, takes just a few minutes and you can use the money straight away, by phone or card. What's more, in just a few minutes you can increase your existing credit line with the 'increase credit line' option.

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    Your accounts

    From the Accounts tab on the BT Pay homescreen, you are in full control of your accounts: you can rename or reorder your accounts, view your balance and transaction history, view your account statement, set up recurring payments, open accounts in multiple currencies, and exchange or pay foreign exchange.

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    Bt Pay BT Pay

    Round Up

    Choose a rounding multiple: 1 leu, 5 lei or 10 lei. For every payment you make with your debit card, you'll save without realising the amount left until the chosen multiple. The money goes into your Round Up savings account, which also earns interest.

    Find out more here.

    RCA Insurance

    You can take out your MTPL insurance policy directly from the app. It's all done online in a few simple steps. First you need to choose one of the offers in BT Pay and upload the necessary documents.

    Then you will receive the policy directly by mail.

    Find out more
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    Be safe

    Bt Pay
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    All the way

    Withdraw cash only with your phone

    So you can have cash whenever you want: you generate a code that you use at any BT ATM and you have cash on the spot.

    Because the phone is the new wallet. 🥰

    Travel insurance

    Rather than forgetting your travel insurance, it's better to do it early: directly from the app, for 1 full year.

    It is available for travel both in Romania and abroad. Fill in some information about yourself and how you like to travel and we will find the best option for you.

    Find out more
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    Let's do thiiiis! ✈️

    NEW

    Virtual card for online shopping

    The virtual card is almost like any other debit card, except you see it instantly in BT Pay and use it straight from the app. You don't get it physically. It's a first-of-its-kind card design in Europe, perfect for secure online payments, especially when you want to pay on a website with a particular card. You can issue your card in lei, euro or dollars.  

    Find out more

    Next level

    Bt Pay

    Your accounts, your control

    You can find out your balance, transaction history, including account credits. Initiate transfers in lei, transfers between own, debit or credit accounts and set up recurring payments from your current accounts.

    Bt Pay

    You have control over your cards

    Change the limit on your online and offline transactions, ATM withdrawals and the number of transactions you can make in a day. Plus, you can block or unblock cards whenever you need to.

    Bt Pay

    Expenditure chart

    For each card you have a graph of your spending, by area: utilities, supermarket, transport, leisure, etc. This will make it easier to know where you can save.

    Bt Pay

    All from the app,
    in real time

    Live in the moment, even when you're banking. Find out at any time where your money is, what you've spent it on and when. All - in just a few taps.

    Bt Pay

    Activate the app without trips to the bank

    Download the free app, add your BT cards, even Business and non-BT cards and you're ready for #EasyBanking.

    How much does it cost? See the list of fees and commissions.

    Bt Pay

    Manage your credit card

    Find out everything about it: what is the due date, what is the minimum payment amount, how much is the interest. You can choose whether you want to pay the full amount or just part of it, automatically or manually, on or before the due date.

    Plus, the chart helps you see exactly what the balance and obligations are.

    Bt Pay

    One application

    Bt Pay
    And financial intelligence is learned, isn't it?
    Bt Pay
    Share everything with friends. Even the note.
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    Donate to NGOs
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    Don't let any offer slip through your fingers!
    Bt Pay
    Get the big prize for moving!
    Bt Pay
    With Alias Pay, you can make transfers in no time.
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    An app open to new ideas. And new cards.
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    Add non-BT cards
    Bt Pay

    Legal

    Information Note Terms and Conditions

    Everything from the app, in real time

    Scan the QR code and download BT Pay

    Bt Pay
    Everything from the app, in real time

    Manage all your accounts, cards or credit, approve payments online, pay bills and even take out insurance, why not? 💫

    Download BT Pay. Scan the QR code with your mobile phone.
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    Ask BT is Banca Transilvania's largest online financial education program, with over 2,000 banking questions and answers.
    Search suggestions
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    AI Search provides automatically generated answers, using GPT-4o technology, which may contain inaccurate or potentially offensive content that does not represent the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service. .
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    Disclaimer

    AI Search is a pilot project - in beta - that uses GPT-4o technology to simplify the process of finding and understanding banking products.

    AI Search is trained to answer questions that are exclusively related to the banking products offered by BT, but in certain situations and depending on the questions asked, it may also answer general questions. The answers provided are automatically generated and are to be used for information purposes only. The service may sometimes provide inaccurate or potentially offensive content, which does not represent the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service in any way. Do not rely on this service for financial, legal or other professional advice and do not enter personal data or other confidential information into this service.

    Use of AI Search implies acceptance of the Terms and Conditions.

    Access to and use of the service implies your unreserved acceptance of these terms and conditions. If you do not agree to them, please do not use this service. By accepting the terms and conditions to use this service provided algorithmically by an artificial intelligence model, you assume the entire risk as to the quality, safety and performance of this service.

    Banca Transilvania does not provide any guarantee in relation to the answers provided by this service.

    AI Search provides responses algorithmically and these may sometimes contain inaccurate information or potentially offensive language. This information does not express the position of Banca Transilvania and cannot engage the responsibility of the Bank for the content provided.

    AI Search does not provide answers to personalized questions, so by using it you are obligated not to provide or enter any personal data or other confidential information in your messages/questions. In case you do not comply with this obligation, by inserting personal data/confidential information in AI Search, you consent to their processing for the purpose of providing the service (answers to the questions you ask), as well as for the improvement of the algorithmic model of the robot by its developer.

    Any information provided by users during their interaction with AI Search will be treated confidentially and will only be disclosed to recipients who have a right and need to know.

    The content provided by AI Search is for information purposes only.

    Users are responsible for the questions and messages asked when using AI Search. Any abuse or inappropriate language may result in the interruption of the interaction.

    AI Search does not provide financial, legal or professional advice and is not a substitute for consulting human experts or professionals specialising in the field. Users should not rely on the information provided by AI Search in making decisions.

    The Bank reserves the right to discontinue the AI Search service at any time without prior notice.

    Terms and conditions may be revised/updated at any time.

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