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
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. 🙂
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 be an employee of the BT Financial Group
➤ not to have 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.
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. 😊
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.
