This page is automatically translated from Romanian into English.

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.

Call Center

PESTE
20
MIN
WAITING TIME
10
CUSTOMERS
IN CONVORBORATION
9
CUSTOMERS
WAITING
0264 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.

You have variable interest rate if you apply through BT Pay

Only between 1 August 2022 and 30 June 2024. 

I want online overdraft

Credit in brief

  • m Reserve funds of up to 6 monthly incomes, provided they are within the debt ceiling
  • m The duration of the loan is 12 months, with the possibility of automatic extension
  • m Zero analysis and administration fee
  • m Fast approval in 24h
  • f

It's good to know

  • The interest is fixed, of 14% / year if you collect the income in the BT account and 17% / year if you do not collect the income at BT
  • The reimbursement of the credit line is made automatically from the available balance in the current account
  • The interest is calculated daily on the amount used from the credit limit granted and must be paid on the last day of the month
  • Each time you fund your current account, you partially repay the credit and reduce your credit limit

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.

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Representative example

Loan amount
10.000 lei
Duration
1 year
APR (Annual Percentage Rate of Charge)*
15,06%
TOTAL COST OF THE LOAN
1,410 lei
TOTAL AMOUNT OF PAYMENT**
11.410 lei

* The APR has been calculated for the situation where you withdraw the entire credit line of 10,000 lei from the ATM of Banca Transilvania after granting, using a Visa Classic card, and then pay monthly interest according to the contract, for the entire credit used.
** We added the total interest with the costs of using the debit card as a payment instrument.

We mention that the possibilities of paying the amount used from the granted credit line may be affected by the fluctuation of own income.

 

As of August 2022 we have a NEW protocol concluded with ANAF, based on the Order of the President of ANAF no. 146/2022 published in the Official Gazette Part I no. 157 of 16 February 2022. The protocol includes the possibility to obtain information on the income of individuals applying for a BT credit. The information is obtained with the consent of the applicant, with the protection and assurance of professional secrecy, with respect for the rights concerning the processing of personal data. The protocol aims to improve the credit application process by simplifying documentation and facilitating access to finance.