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  • 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.
    OMER Tetik
    CEO Banca Transilvania
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    your money stash

    OVERDRAFT

    your money stash

    What if your plan B comes in the form of 6 incomes? You get the overdraft directly on your paycheck card, no stress, no trips to the bank.

    Apply for overdraft

    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.

    NEED CASH FAST?

    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.

    Come into BT Pay

    • 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)
    OVERDRAFT CONDITIONS

    Costs

    • The interest rate is fixed at 14%/year if you cash the income into your BT account and 17%/year if you don't cash the income into BT.
    • The credit line is automatically repaid from the available balance on your current account.
    • Interest is calculated daily on the amount of the credit limit used and is due on the last day of the month.
    • Each time you replenish your current account, you partially repay the credit and lower your credit limit.
    So many plans, so many advantages.

    Up to 6 incomes

    So many plans, so many advantages.

    Apply for overdraft

    RAPID HELP

    Basically, an overdraft is still a kind of credit, but easier to take out. In Romanian it's "descoperire de conto". It means that the bank gives you a line of credit (money you can access at any time, with less effort than credit) worth up to 6 salaries. 

    An overdraft has several advantages over a traditional loan. For example, the bank doesn't charge fees and charges if you don't use the amount you're given. And you only pay interest on the money you've spent, and when you pay back the amount you've used from the credit line, you can use it again immediately. Plus, it's easy to get: 

    You can get it online from BT Pay or take your ID to the bank, and if you cash your income at work at that bank, you don't need any documents from work.

    This line of credit starts to be drawn on as soon as you run out of the own funds you have on your account.

    Via overdraft or overdraft with us, you can get up to 6 salaries / 6 pensions, up to a maximum of 50,000 RON, provided you are within the debt limit. 🙂

    There are just a few requirements to be met:

    ➤➤⠀to be an individual of Romanian nationality

    ➤➤⠀have an eligible monthly income of more than 800 lei

    ➤⠀have at least 3 months in your current job

    ➤ have a minimum of one BT debit card issued on your personal account (excluding BT store card)

    ➤ you are not an employee of BT Financial Group 

    ➤ not holding an overdraft with BT

    Our offer to you includes the maximum amount you can take.

    👌 You can, of course, modify with a smaller amount, depending on your needs. Depending on what amount you choose, that will appear in the final form of the contract documents.

    ➤⠀Select option Spare Money from the application homescreen;

    ➤⠀Validate your ID card, contact details and fill in the information specific to obtaining the credit line;

    ➤⠀Sign theANAF agreement, visualize the offer and electronically sign all contractual documents;

    ➤⠀Banks are on your account immediately and you can use them directly with your phone or physical debit card.

    That's it! So simple. 😊 

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    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.

    Apply for credit