This page is automatically translated from Romanian into English.

Banca Transilvania
Loans
Loans
Accounts and operations
Accounts and operations
Cards
Cards
Economii și investiții
Savings and investments
Accounts and operations
Accounts and operations
Financing
Financing
IMM to Go, you do everything online
IMM to Go, you do everything online
Saving and investing
Saving and investing
Newsroom
Newsroom
Investors Relations
Investors Relations
Blog BT
Blog BT
CSR
CSR
UNIT NETWORK INVESTOR RELATIONS ONLINE PROGRAMMING COMMISSIONS BROCHURE MARKETING AGREEMENT
BT Pay – Apple BT Pay – Google BT Pay – Gallery
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.
Internet Banking Internet Banking
Discover
Credit for
personal needs The
home credit Credit simulator
See all credits
Shopping cards Cards in lei The Youth Card
See all cards
Private banking Premium banking
Discover
See all
See all
Discover
See all articles
See all articles
Education Social Medium
See all projects
Discover
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.
ӦMER Tetik CEO Banca Transilvania

Call Center

PESTE
20
MIN
WAITING TIME
10
CUSTOMERS
IN CONVORBORATION
9
CUSTOMERS
WAITING
CALL THE CALL CENTRE
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.
More
Popular searches
Notifications

BT integrates Microsoft 365 Copilot and GitHub Copilot AI assistants

14 March 2024 11:00

BT is the third most powerful banking brand in the world

6 March 2024 15:00

Financial results BT 2023

26 February 2024 18:19

BT turns 30

16 February 2024 09:40

Banca Transilvania buys OTP Bank Romania

9 February 2024 15:00

Question BT had a record number of visitors in 2023, over 5 million

12 January 2024 09:30

Patient Loan

APPLY ONLINE
FIND OUT MORE
WHAT DO YOU WANT TO DO?

Credit in brief

  • mCan be with mortgage or without
  • mMaximum amount: EUR 20,000 (or the equivalent in lei) at the date of approval in the case of loans secured by a chattel mortgage and EUR 50,000 (or the equivalent in lei) in the case of loans secured by a real estate mortgage
  • mAvailable in lei and euro
  • mZero advance
  • mGrant period: maximum 30 years
  • mTotal grace period: maximum 6 months (on loans secured by real estate)
  • f

Types of loans

  • Patient Loan without mortgage (10 years, up to 20,000 euros or equivalent in lei)

  • Patient Loan secured by a mortgage on real estate (for a term of 30 years, up to 50,000 euros or the equivalent in lei)

The destination of the loan

Health must always come first. We hope you never need this loan, but if it still happens, we are ready to offer you the following:

  • money for medical care, including medication treatments for you or your first and second degree relatives
  • an amount of up to 50,000 euro (or RON equivalent) - for a loan secured by a mortgage on real estate
  • long credit period - maximum 10 years for loans without real estate collateral and maximum 30 years for loans with real estate collateral
  • zero early repayment fee

Loan Simulator

Currency of the loan

Lei

Years

Interest type

With real estate mortgage?

Rate

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.

Choose your day

Choose the time

This site is protected by reCAPTCHA according to the Google Privacy Policy & Terms of Service.

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.

Useful information

Explanatory guide for credit terms

See guide
I ask Banca Transilvania I ask Banca Transilvania
SEE OTHER QUESTIONS
Ask BT is Banca Transilvania's largest online financial education program, with over 2,000 banking questions and answers.
Search suggestions
Powered by Azure OpenAI GPT4
AI Search provides automatically generated responses, using GPT4 technology, which may contain inaccurate or potentially offensive content that does not represent the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service. .
Terms and conditions

Disclaimer

AI Search is a pilot project - in beta - that uses GPT4 technology to simplify the process of finding and understanding banking products.

AI Search is trained to answer questions that are exclusively related to the banking products offered by BT, but in certain situations and depending on the questions asked, it may also answer general questions. The answers provided are automatically generated and are to be used for information purposes only. The service may sometimes provide inaccurate or potentially offensive content, which does not represent the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service in any way. Do not rely on this service for financial, legal or other professional advice and do not enter personal data or other confidential information into this service.

Use of AI Search implies acceptance of the Terms and Conditions.

Access to and use of the service implies your unreserved acceptance of these terms and conditions. If you do not agree to them, please do not use this service. By accepting the terms and conditions to use this service provided algorithmically by an artificial intelligence model, you assume the entire risk as to the quality, safety and performance of this service.

Banca Transilvania does not provide any guarantee in relation to the answers provided by this service.

AI Search provides responses algorithmically and these may sometimes contain inaccurate information or potentially offensive language. This information does not express the position of Banca Transilvania and cannot engage the responsibility of the Bank for the content provided.

AI Search does not provide answers to personalized questions, so by using it you are obligated not to provide or enter any personal data or other confidential information in your messages/questions. In case you do not comply with this obligation, by inserting personal data/confidential information in AI Search, you consent to their processing for the purpose of providing the service (answers to the questions you ask), as well as for the improvement of the algorithmic model of the robot by its developer.

Any information provided by users during their interaction with AI Search will be treated confidentially and will only be disclosed to recipients who have a right and need to know.

The content provided by AI Search is for information purposes only.

Users are responsible for the questions and messages asked when using AI Search. Any abuse or inappropriate language may result in the interruption of the interaction.

AI Search does not provide financial, legal or professional advice and is not a substitute for consulting human experts or professionals specialising in the field. Users should not rely on the information provided by AI Search in making decisions.

The Bank reserves the right to discontinue the AI Search service at any time without prior notice.

Terms and conditions may be revised/updated at any time.