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    We have made a firm commitment to Romanians and local entrepreneurs in supporting their dreams, BT being the partner with whom they can start their journey.
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    ӦMER Tetik - CEO Banca Transilvania
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    STAR Forte card

    APPLY FOR THE CARD
    FIND OUT MORE
    WHAT DO YOU WANT TO DO?
    DO YOU ALREADY HAVE A STAR CARD?
    NEED HELP?

    How does it work?

    Get your Star Forte card and receive up to 5 times your monthly income.

    You can take up to 25,000 lei.

    Request custom calculation See the conditions for granting

    How do you pay for your purchases?

    You have two payment options, each with its own benefits.

    In installments, without interest

    Up to 18 installments in over 25,000 partner stores.

    The entire amount, at the time of purchase of the products

    Every full payment earns you STAR points. More precisely, 1 lion spent = 1 STAR point. You can use the accumulated points for future purchases.

    To enjoy interest-free instalments, all you need to do is mention to the merchant that you want to pay by card at a BT POS.

    Request custom calculation

    How do you get Star Points?

    Get Star points for every full-payment purchase you make at a BT POS.

    Star partner magazines

    You have up to 15% of the value of your purchases in STAR points.


    non-partners

    You have 0.3% of the value of your purchases in Romania and 0.1% of the value of your purchases abroad.

    Read the rules

    Where can you pay with Star points?

    Use your Star points in partner stores by paying at a BT POS. To do this, before the actual payment, specify that you want to use Star points. Discover below the list of shops that accept payment with points.

    See list of shops

    Example in case of reimbursement by instalments

    Let's say you have a Star shopping card with a 3,000 lei line of credit.

    You want to renovate your apartment and you buy building materials and home improvements from a Star partner store.

    You pay 1800 lei in 5 installments (of 360 lei) without interest, on May 15 and you stay on the card with 1200 lei.

    How NOT to pay interest

    To avoid paying interest, make sure you have deposited your instalment by the 25th of each month. If you don't deposit the full amount, you are obliged to deposit 10% of the amount used and you will be charged 24% interest. Whatever you deposit, you can use immediately for other purchases.

    Interest-free installment payment rules →

    May

    1 MAI
    Available for 3000 lei
    15 MAI
    Purchase - 1800 lei
    Available 1200 lei
    31 MAI
    Available for 1200 lei

    June

    25 Jun
    Rate 1 -300 lei
    30 IUN
    Available 1500 lei
    (available May 31 + Rate 1)

    July

    25 Jul
    Rate 2 -300 lei
    30 IUL
    Available 1800 lei
    (available June 30 + Rate 2)

    August

    25 AUG
    Rate 3 -300 lei
    31 AUG
    Available 2400 lei
    (available June 30 + Rate 2)

    September

    25 SEP
    Rate 4 -300 lei
    30 SEP
    Available 2400 lei

    October

    25 OCT
    Rate 5 -300 lei
    31 OCT
    Available for 2700 lei

    November

    25 NOI
    Rate 6 -300 lei
    30 NOI
    Available for 3000 lei

    Example in the case of full payments

    You have a Star shopping card with a 3000 lei credit line

    You buy on may 15th products worth 500 lei that you pay in full.

    How NOT to pay interest

    In order not to pay the interest, you must deposit the full amount you used by the 25th of the following month. If you deposit after the 25th of the following month, you will be calculated the interest of 24%

    In order not to pay interest, make sure you deposit the installment by the 25th of each month. If you do not deposit the full installment, you are obliged to deposit 10% of the amount used and you will be calculated interest of 24%. Everything you deposit, you can immediately use it for other purchases.

    Tip: For monthly payments, use the free BT Pay or BT24 app to transfer between your cards.

    May

    1 MAI
    Available for 3000 lei
    15 MAI
    Purchase - 500 lei
    Available 2500 lei
    31 MAI
    Available 2500 lei

    June

    25 Jun
    Full payment 500 lei
    30 IUN
    Available/
    credit paid 3000 lei

    I want STAR Forte!

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    AI Search provides automatically generated responses, using GPT4 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 GPT4 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.