Invest directly from the app 4.8
Install

This page is automatically translated from Romanian into English.

  • ATMs and cash machines
  • Online appointment
    • Internet Banking Internet Banking
    Internet Banking
    Discover
    Credit for
    personal needs         The
    home credit         Credit simulator
    See all credits
    Shopping cards Shopping cards Cards in lei Cards in lei The Youth Card The Youth Card
    See all cards
    Current account subscription
    Term deposit
    Private banking Premium Club
    Current account subscription
    Discover
    Current account subscription
    Financing
    E-commerce POS POS App
    Payment solutions
    Term deposit
    Division for Doctors Agri
    Corporate
    Discover
    Current account subscription
    See all articles
    See all articles
    Education Social Medium
    See all projects
    Discover
    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.
    ӦMER Tetik CEO Banca Transilvania
    ӦMER Tetik - CEO Banca Transilvania
    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.

    Popular searches
    Notifications

    BT will never ask these things

    January 14, 2025 09:30

    OTP Bank Romania becomes Banca Transilvania on February 28, 2025

    December 18, 2024 15:00

    Over 30% of BT Visa Flying Blue card transactions payments are made abroad, mostly in Italy, France, Greece, the United States and the United Kingdom

    December 12, 2024 13:30

    BT Leasing and OTP Leasing merged

    December 2, 2024 13:15

    Moody's confirms Banca Transilvania's rating

    November 15, 2024 12:30

    BT channel transactions record highs across the board on Black Friday

    November 9, 2024 16:00

    Current needs loan for real estate

    APPLY ONLINE
    FIND OUT MORE
    WHAT DO YOU WANT TO DO?

    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
    12,16%* (IRCC + 6.50pp)

    • mI don't cash in my income at BT
    Variable interest rate, in RON
    13,16%* (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
    12,16%* (IRCC + 6.50pp) compared to standard of 13.16%* (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 12,16%* (IRCC + 6.50pp)
    Monthly instalment
    Starting from 923 lei
    AER (Annual Percentage Rate of Charge)
    13,00%
    TOTAL COST OF THE LOAN
    30.941 lei
    TOTAL AMOUNT OF PAYMENT
    80.941 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 12,16%* (IRCC + 6.50pp)
    Monthly instalment
    722 lei
    AER (Annual Percentage Rate of Charge)
    12,98%
    TOTAL COST OF THE LOAN
    36.926 lei
    TOTAL AMOUNT OF PAYMENT
    86.926 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 12,16%* (IRCC + 6.50pp)
    Monthly instalment
    Starting from 1.477 lei
    AER (Annual Percentage Rate of Charge)
    12,95%
    TOTAL COST OF THE LOAN
    49.333 lei
    TOTAL AMOUNT OF PAYMENT
    129.333 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 12,16%* (IRCC + 6.50pp)
    Monthly instalment
    1.155 lei
    AER (Annual Percentage Rate of Charge)
    12,94%
    TOTAL COST OF THE LOAN
    58.909 lei
    TOTAL AMOUNT OF PAYMENT
    138.909 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.

    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.

    Choose your day

    Choose the time

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

    I ask Banca Transilvania I ask Banca Transilvania
    See other questions