FAVORABLE INTEREST RATE
Fixed, at 14% a year if you cash the income into a BT account.
12-MONTH CREDIT
With automatic extension possible.
ANALYSIS COMMISSION zero
ZERO analysis and administration fees. Automatically lower costs for you.
FAST APPROVAL WITHIN 24H
And no trips to the bank. Even apply from BT Pay.
6X YOUR INCOME, directly on your debit card
You have financial flexibility between incomes or in unforeseen situations.
You don't have to apply for a loan every time and you have quick access to money in an emergency within 24 hours.
Credit 100% ONLINE
Take the overdraft directly from BT Pay.
Increase your credit line
You can ask for more money, fast, straight from the app.
Transaction history
View your overdraft information: how much money you've taken out, what account it's been put into and what the line of credit costs.
Automatic repayment
Do you fund your current account? The credit is repaid automatically and interest is only charged on what you've used. Simple and efficient.
OVERDRAFT CONDITIONS
Romanian citizenship Income of a permanent nature At least 3 months in your current job Minimum income of 800 lei Minimum of one BT debit card issued on your personal account (excluding BT store card)
RAPID HELP
There are just a few requirements to be met:
➤⠀be a natural person of Romanian citizenship
➤⠀have an eligible monthly income of more than 800 lei
➤⠀have at least 3 months' seniority at your current job
➤ have at least one BT debit card issued on your personal account (excluding the BT meal card)
➤ not to have an overdraft with BT
Through overdraft or account overdraft with us, you can obtain up to 6 salaries/6 pensions, up to a maximum limit of RON 50,000, provided that you meet the debt ratio requirements. 🙂
👌 Yes, whenever necessary, by submitting a request at a BT branch or via BT Pay.
What do you need to do in BT Pay to get Reserve Money directly from BT Pay?
➤⠀Select the option Reserve Money from the app's home screen;
➤⠀Validate your ID card, contact details, and fill in the specific information required to obtain the credit line;
➤⠀Signthe ANAF agreement, view the offer, and electronically sign all contractual documents;
➤⠀The money is immediately available in your account and you can use it directly with your phone or physical debit card.
That's it! So simple. 😊
- original identity card
- credit application
- income certificate issued by the employer (if the ANAF query does not provide the requested information, query performed based on the ANAF income consultation agreement signed by the client)
❶⠀The bank does not charge fees or commissions if you do not use the amount granted as an overdraft;
❷⠀The money is always available in the account and can be used, including via the debit card linked to the current account;
❸⠀You only pay interest on the credit you use, and once you repay the amount used from the credit line, you can immediately use it again;
❹⠀It is easy to obtain, by showing up with your ID card at a BT branch, without documents from your workplace if you receive your income through Banca Transilvania or directly in BT Pay;
❺⠀You don't have to withdraw the entire amount like with a personal loan, but you can gradually use the credit line when you run out of money in your account. You can withdraw money at any time, including via cardfrom an ATM.
WHY PUT OFF WHAT YOU WANT?
With BT Overdraft Credit, you get 6x your income exactly when you need it. For unforeseen expenses or new adventures, it's simple, fast and at your fingertips. Apply online and enjoy everything on your wishlist.