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    AI Search on Ask BT answers all your banking questions.

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    savings products

    Savings account

    Come to BT Go

    Term deposit

    Come to BT Go
    Tip prods
    Flexible saving
    Fixed-term savings
    Suma minimă
    100.000 LEI
    2500 LEI or 1000 EUR or 1000 USD
    Period
    Indefinite
    1, 3, 6, 12, 24 or 36 months
    Interest
    See interest rates
    See interest rates
    Interest tax
    Only if profit is reported at the end of the financial year.
    Depending on the company's tax situation.
    Currency
    Lei
    lei/euro/dollar
    0 opening commission
    0 management commission
    0 account collection commission

    Benefits

    Permanent access to money
    If you cancel your account, you will receive the accrued interest calculated up to the date of termination.
    You can withdraw money from your account at any time, but you lose interest before the maturity date.
    Interest payment
    Lunar on the anniversary
    Coming of age
    Flexibility
    You can deposit/withdraw money at any time.
    You can withdraw the money at maturity. In case you close the deposit before maturity, you will receive the demand interest, which is currently zero.
    Free internet banking with BT Go
    Unlimited number of accounts/ deposits
    Top up your account at any time
    Savings guaranteed by the Bank Deposit Guarantee Fund, up to 100.000 euro/depositor.
    BT AI Chat
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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
    Powered by Azure OpenAI GPT-5
    AI Search provides automatically generated responses using GPT-5 technology and an advanced agent orchestration mechanism. Responses may contain inaccurate or potentially offensive content that does not represent the views of Banca Transilvania. You are solely responsible for the use of the content generated by this service. .
    Terms and conditions

    Disclaimer

    AI Search is a pilot project—currently in beta—that uses GPT-5 technology to simplify the process of searching for 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.