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. 🙂
The interest rate on the overdraft is variable and is determined on a case-by-case basis, depending on your customer profile and Banca Transilvania’s policy.
What you need to know:
- Interest is charged only on the amount used: You pay interest only on the portion of your overdraft limit that you have actually spent, and only for the period during which you used it.
- Better rates for loyal customers: If you have your salary deposited into a BT account, you can enjoy a preferential interest rate of 14% per year. If you do not have your salary deposited into a BT account, the interest rate is 17% per year.
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)
As soon as you sign the contract documents, the money will be in your account and ready to use for whatever you need! 💪
👌 Yes, whenever necessary, by submitting a request at a BT branch or via BT Pay.
Repayment of the overdraft amount is automatic. Unlike a traditional loan (e.g., a personal loan), an overdraft does not have a fixed monthly payment.
The repayment is automatically deducted from any funds deposited into your checking account (salary, rent, transfers from others, etc.).
These deposits automatically cover the amount you’ve withdrawn from your overdraft. You pay only the interest on the amount and the number of days you’ve used the funds.
Yes, absolutely! That is the main purpose of an overdraft.
An overdraft is a flexible source of funding integrated into your checking account. You can use it just like your own money for any type of transaction:
- Payments to merchants (in-person or online) using the linked card.
- Bank transfers.
- Cash withdrawals from ATMs.
Basically, whenever your balance reaches zero, the overdraft feature automatically covers the next payment until the approved limit is reached.
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.
