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    BT Pay transaction processing hours

    1. Transfers between own accounts in foreign currency

    They are processed 24 hours a day, 7 days a week, as follows: Internal transfers sent from Monday to Saturday after 20:00 on Sundays, as well as those sent on non-working days will be processed instantly, the accounting balance will be affected with the date of the first bank working day and will appear on the statements of the first bank working day. Transfers sent without funds are automatically rejected.

    2. Foreign exchange, interbank and intrabank payment orders

    They are processed 24 hours a day, 7 days a week, as follows:

    2.1 Interbank foreign exchange payment orders

    Emergency interbank foreign exchange payment orders processed during T-day between 09:00 and 18:00 will be settled with maximum T+1 foreign exchange date; interbank foreign exchange payment orders processed during T-day between 09:00 and 18:00:00, will be settled with maximum T+3 foreign exchange date; interbank foreign exchange payment orders received outside the above-mentioned intervals will be processed 24 hours a day, 7 days a week and will be entered into the settlement circuit on the next bank business day according to the first 2 points above.

    2.2 SEPA payment order

    Sepa payments signed during day T, will be sent to the beneficiary bank on the next working banking day (T+1) and will be displayed as follows:

    • in the statement generated for day T if the transaction was signed from Monday to Friday by 17:00;
    • in the statement generated for day T+1 (the next bank business day) if the transaction was signed from Monday to Friday after 5 p.m., Saturday or Sunday or on non-business days.

    2.3 Intra-bank foreign exchange payment orders, regardless of value - processed 24/7 

    Transfers sent without funds are automatically rejected.

    3. Currency payment fees

    3.1 Non-SEPA payments

    0.10% of the amount, minimum 15 EUR, maximum 600 EUR (Swift commission included).

    3.2 SEPA payments

    By instalments, depending on the value of the operation:

     from 0 to 1,000.00 LEI in EUR equivalent2.50 LEI in EUR equivalent
     from RON 1,000.00 inclusive, up to RON 50,000.00 in EUR equivalent 5.00 LEI in EUR equivalent 
     amounts ≥ 50,000.00 LEI in EUR equivalent 10.00 LEI in EUR equivalent 

    The SEPA payment is that payment which cumulatively meets the following conditions:

    • is a payment in EUR;
    • is an orderly payment under "normal" (without urgency) regime, with SHA fee;
    • the beneficiary bank is a bank from one of the sepa countries and has joined the Sepa payment schemes.

    Instant interbank payments in EUR, up to a maximum of 1000 Euro, through electronic channels, to an account opened with a bank in the SEPA area that has joined TIPS (Target Instant Payment Settlement.

    The SEPA space consists of:

    • The Member States of the European Union:;
    • Euro area countries: Austria, Belgium, Cyprus, Croatia, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, the 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, Azores, Madeira, Canary Islands, Ceuta and Melilla and the Aland Islands. In the case of SEPA payments, Banca Transilvania will not charge a correspondent bank fee.

    Commission for processing and communication in emergency regime for making payments in foreign currency:

     1 - 150,000 EUR25 EUR / payment
    > 150,000 EUR75 EUR / payment 

    The emergency processing and communication fee is charged together with the transaction fees. The urgent commissioned transaction is carried out with the same day foreign exchange date or foreign exchange date - next business day (for payments made between 09:00 and 18:00) and the final swift message is sent to the branch on the day of the transaction.

    NOTE: In addition to Banca Transilvania's fees, in case of payments in foreign currency to other banks, in case of transfers with SHA option (except SEPA payments) and OUR, correspondent bank fees will be charged, the amount of which is set by them.

    Changes / cancellations of currency payments30 EUR

    4. PSD payments (Directive on payment services to countries in Europe)

    Includes payments to PSD countries in PSD currencies.

    CSP countries: Austria, Belgium, Bulgaria, Cyprus, Croatia, 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, United Kingdom.

    SDR currencies used in Banca Transilvania: 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).

    NOTE: DSP payments can only be made with SHA fees. No payments can be made under PSD under BEN commission.

    For non-DSP** and non SEPA payments, intermediary bank fees are communicated to customers and retained after the payment has been made; they will be charged as such:

    • In the case of payments with the option "OUR" by the BT customer authorising the payment;
    • In the case of payments with the option "BEN" by the payee;
    • In the case of payments with the 'SHA' option, the payment officer shall bear the commission of the correspondent bank of BT, the rest of the fees being borne by the beneficiary.

    Correspondent bank fees for payments under PSD

    CurrencyCommission typeCommission amount
    CHFOUR14.5 CHF

    SHA14.5 CHF
    CZKOUR0.5%, min. 200CZK, max 2,000 CZK

    SHA200 CZK
    DKKOUR15 DKK

    SHA15 DKK
    GBPOUR12 GBP

    SHA3 GBP
    HUFOUR1500 HUF

    SHA1500 HUF
    PLNOUR10 PLN

    SHA5 PLN
    SEKOUR60 SEK

    SHA60 SEK
    NOKOUR100 NOK

    SHA100 NOK

    Other fees to be charged when initiating the payment:

    If you select the our commissioning mode for NON DSP and non SEPA payments, the following fees are charged:

    • Payments in EUR - correspondent bank fee is 22 EUR
    • Payments in USD - correspondent bank fee is $ 15
    • 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 BT customers and retained after the payment is made, as it is received from the beneficiary bank.
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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. .
    Terms and conditions

    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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