This page is automatically translated from Romanian into English.

Call Center
  • High waiting time!

    We are currently experiencing a very high number of calls in our Call Center. If you have an urgent problem, call now, otherwise we'll wait for you later. For quick answers try Ask BT or BT Visual Help.

  • 0264 308 308 028 or *8028 The number is available from any national network.
    0264 303 003 Hotline for all Romanians who are out of the country, including assistance in English.
    Fraud assistance
    If you suspect fraud on your account, quickly call 0264 308 055.

    Search with AI Search

    AI Search on Ask BT answers all your banking questions.

    BT Visual Help

    Quickly view your account details, call 0264 308 000 and receive an SMS with the access link.

    Costs

    Okay, fine, but... how much is the interest?

    It's up to you. You can choose the type of interest on the amount borrowed.

    • mI cash my income at BT
    Variable interest rate, in RON
    12,49%* (IRCC + 6.50pp)

    • mI don't cash in my income at BT
    Variable interest rate, in RON
    13,49%* (IRCC + 7.50pp)

    * In the case of variable-rate loans, it consists of the fixed margin of the bank plus the IRCC benchmark index and varies depending on the latter. The interest rate will be updated and modified by the bank quarterly, depending on the IRCC monetary index.

    What other costs does this loan entail?

    Because we want to have a relationship based on transparency and trust, you need to know that we have certain fees. It's normal to know them.  

    Commission
    Value
    File analysis
    200 lei
    Interest   for customerswho receive the income   in the     BT account
    12,49%* (IRCC + 6.50pp) compared to standard of 13.49%* (IRCC + 7.50pp)
    Early repayment fee
    zero lei
    One-off fee for services provided on request
    50 lei / service
    Registration fee at the RNPM (National Register of Mobile Advertising)
    87,60 lei for each guarantee

    Representative examples

    Loans in RON

    • mIf you receive the income in a BT account (decreasing rates) 
    Loan amount
    50.000 lei
    Duration
    10 years (120 monthly installments)
    Interest
    variable 12,49%* (IRCC + 6.50pp)
    Monthly instalment
    Starting from 937 lei
    AER (Annual Percentage Rate of Charge)
    13,37%
    TOTAL COST OF THE LOAN
    31.773 lei
    TOTAL AMOUNT OF PAYMENT
    81.773 lei
    • mIf you receive the income in a BT account (equal instalments) 
    Loan amount
    50.000 lei
    Duration
    10 years (120 monthly installments)
    Interest
    variable 12,49%* (IRCC + 6.50pp)
    Monthly instalment
    732 lei
    AER (Annual Percentage Rate of Charge)
    13,35%
    TOTAL COST OF THE LOAN
    38.078 lei
    TOTAL AMOUNT OF PAYMENT
    88.078 lei

    • mIf you receive your income in a BT account (decreasing rates) 
    Loan amount
    80.000 lei
    Duration
    10 years (120 monthly installments)
    Interest
    variable 12,49%* (IRCC + 6.50pp)
    Monthly instalment
    Starting from 1.499 lei
    AER (Annual Percentage Rate of Charge)
    13,32%
    TOTAL COST OF THE LOAN
    50.664 lei
    TOTAL AMOUNT OF PAYMENT
    130.664 lei
    • mIf you receive your income in a BT account (equal instalments) 
    Loan amount
    80.000 lei
    Duration
    10 years (120 monthly installments)
    Interest
    variable 12,49%* (IRCC + 6.50pp)
    Monthly instalment
    1.171 lei
    AER (Annual Percentage Rate of Charge)
    13,31%
    TOTAL COST OF THE LOAN
    60.753 lei
    TOTAL AMOUNT OF PAYMENT
    140.753 lei

    * In the case of current needs loans for real estate with variable interest rate, it consists of the bank's fixed margin, plus the IRCC benchmark and varies depending on the latter. The interest will be updated and modified by the bank quarterly, depending on the IRCC monetary index. The change in the benchmark, as well as the fluctuation of the income, may influence the possibility of paying the loan instalments or the total amount to be paid.

    Credit interest rate benchmarks

    How much can you borrow?

    To apply for a credit or simply to find out how much you can get, fill in the form below. We will call you back within the timeframe of your choice.

    This site is protected by reCAPTCHA according to the Google Privacy Policy & Terms of Service.

    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 GPT4
    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.

    Invest directly from the app 4.8
    Install

    Download BT Pay

    Scan the code with your mobile phone, depending on your phone system.

    Download BT Pay

    Scan the code with your mobile phone, depending on your phone system.

    Download BT Pay

    Scan the code with your mobile phone, depending on your phone system.

    Download NeoBT

    Scan the code with your mobile phone, depending on your phone system.

    Download NeoBT

    Scan the code with your mobile phone, depending on your phone system.

    Download NeoBT

    Scan the code with your mobile phone, depending on your phone system.

    Download BT24

    Scan the code with your mobile phone, depending on your phone system.

    Download BT24

    Scan the code with your mobile phone, depending on your phone system.