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    Letters of bank guarantee

    The warranty that matters

    You bring solutions. We bring the guarantee, and your partners know they can count on you. BT letters of guarantee give you the assurance that if problems arise, we will cover the amount promised to your partner.

    FINANCIAL SECURITY

    The letter of guarantee gives your partners confidence.

    Contractual flexibility

    You can participate in projects and tenders without tying up your own resources.

    NO MONEY TIE-UP

    No need to tie up cash or assets, you retain control over your cash flow.

    Credibility in partnerships

    Your business will demonstrate reliability and financial stability.

    AWARD CONDITIONS

    • Not being banned from writing bank checks
    • Don't be overdue in the Credit Register
    • Having no active entries in the Insolvency Bulletin
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    Required documents

    • Last two annual balance sheets together with related balance sheets and receipts
    • Last completed quarterly trial balance
    • Tax attestation certificate
    • Legal-constitutive approval regarding the contracting of the loan
    • Documents for the proposed collateral
    • Documents showing the need to issue the letter of guarantee, the beneficiary, its value and term of validity
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    PAYMENT AND REFUND OF ADVANCE PAYMENT

    The solution that guarantees the coverage of your payment obligations under contracts or the return of the advance received from your business partners. You can access a revolving credit line of up to 2,000,000 lei, maximum unsecured amount, or up to 4,000,000 lei, maximum secured amount.

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    Letters of bank guarantee

    You participate in projects without
    your own resources

    for participation in tenders

    We can offer you the guarantee required of any bidder participating in a tender, especially for public procurement contracts. You can access such an unsecured loan of up to 1,000,000 lei.

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    For proper execution and bank counter-guarantees

    We offer you the guarantee instrument required for public contracts, but also requested by other contractual partners. You can access a revolving credit line of up to 1,600,000 lei, maximum unsecured amount, or up to 4,000,000 lei, maximum secured amount.

    RAPID HELP

    Banca Transilvania issues several types of letters of guarantee: for participation in tenders, for good performance, for payment and refund of advances, as well as bank counter-guarantees.

    These are used in particular in commercial and public procurement contracts to guarantee the payment of obligations, participation in tenders, or the proper execution of works.

    There is no standard maximum term. The validity of the letter is determined according to the provisions of the contract between the applicant and the beneficiary.

    They provide financial security to partners, allow participation in projects without tying up liquidity, offer flexibility in contract execution, and increase the company's credibility with partners.

    There is no maximum time limit for issuing a bank guarantee letter. 📄

    SGB ceilings can be granted for the short, medium, or long term. The term of commitment/drawdown within the ceiling depends on the type of product you choose and cannot exceed the ceiling's validity period.

    Financial security

    Your partners have the assurance that commitments are covered.

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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.