Skip to main content
You've reached the end of the results
No results found
Popular searches
  • CREDITS
    CARDS
    ACCOUNTS AND TRANSACTIONS
    SAVING AND INVESTING
    INSURANCES
    PREMIUM BANKING
    Reclama
  • Financing
    ACCOUNTS AND TRANSACTIONS
    CARDS
    Payment solutions
    SAVING AND INVESTING
    Specialised sectors
    Reclama - opens in a new tab
  • Careers
    Newsroom
    Blog
    Podcast
    BT Community
    Reclama
  • 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
    • Open online account
    Call Center
    • Call Center status meter dynamic emoji
    High waiting time!

    We are currently experiencing a very high number of calls in our Call Center. If you have an urgent problem, call now, otherwise we'll wait for you later. For quick answers try Ask BT - opens in a new tab or BT Visual Help - opens in a new tab.

    • 0264 308 308 028 or *8028The number is available from any national network. Standard rate.
    0264 303 003Hotline for all Romanians who are out of the country, including assistance in English. Standard tariff.
    Fraud assistance
    If you suspect fraud on your account, quickly call 0264 308 055. Standard rate.
    BT AI Chat acronym - opens in a new tab
    Search with AI Search - opens in a new tab

    AI Search on Ask BT answers all your banking questions.

    - opens in a new tab
    BT Visual Help - opens in a new tab

    Quickly view your account details, call 0264 308 000 and receive an SMS with the access link.

    Example
    representative

    Choose the type of credit
    • Student loan in lei with real estate collateral (decreasing installments)
    Loan amount
    200.000 lei
    Duration of the loan
    12 years and 6 months (150 installments)
    Interest
    variable 10.06%* (IRCC + 4.00pp)
    Monthly instalment
    starting from 3.010 lei
    APR (Annual Percentage Rate of Charge)
    10,83%
    Analysis fee
    500 lei
    Annual administration fee
    150 lei/year
    Total cost of the loan
    129.552
    Total amount to be paid
    329.552
    *For variable-rate loans, the interest rate is made up of the bank's fixed margin plus the IRCC or EURIBOR 6-month reference index and varies according to the evolution of the reference index and the exchange rate. It is important to be aware that changes in the reference index, fluctuations in income and changes in the exchange rate can affect your ability to pay the loan repayments or the total amount to be paid.
    Student loan in lei with real estate guarantee (equal installments)
    Loan amount
    200.000 lei
    Duration of the loan
    12 years and 6 months (150 installments)
    Interest
    variable 10.06%* (IRCC + 4.00pp)
    Monthly instalment
    2.348 lei
    APR (Annual Percentage Rate of Charge)
    10,79%
    Analysis fee
    500 lei
    Annual administration fee
    150 lei/year
    Total cost of the loan
    155.134 lei
    Total amount to be paid
    355.134 lei
    *For variable-rate loans, the interest rate is made up of the bank's fixed margin plus the IRCC or EURIBOR 6-month reference index and varies according to the evolution of the reference index and the exchange rate. It is important to be aware that changes in the reference index, fluctuations in income and changes in the exchange rate can affect your ability to pay the loan repayments or the total amount to be paid.
    Student loan in lei, without mortgage guarantee (decreasing installments)
    Loan amount
    39.000 lei
    Duration of the loan
    5 years (60 installments)
    Interest*
    variable 13.81%* (IRCC + 7.75pp)
    Monthly instalment
    starting from 1.099 lei
    APR (Annual Percentage Rate of Charge)
    15,02%
    Analysis fee
    200 lei
    Annual administration fee
    0 lei
    Total cost of the loan
    13.978 lei
    Total amount to be paid
    52.978 lei
    *For variable-rate loans, the interest rate is made up of the bank's fixed margin plus the IRCC or EURIBOR 6-month reference index and varies according to the evolution of the reference index and the exchange rate. It is important to be aware that changes in the reference index, fluctuations in income and changes in the exchange rate can affect your ability to pay the loan repayments or the total amount to be paid.
    Student loan in lei, variable interest, without mortgage (equal installments)
    Loan amount
    39.000 lei
    Duration of the loan
    5 years (60 installments)
    Interest*
    variable 13.81%* (IRCC + 7.75pp)
    Monthly instalment
    904 lei
    APR (Annual Percentage Rate of Charge)
    14,99%
    Analysis fee
    200 lei
    Annual administration fee
    0 lei
    Total cost of the loan
    15.506 lei
    Total amount to be paid
    54.506 lei
    *For variable-rate loans, the interest rate is made up of the bank's fixed margin plus the IRCC or EURIBOR 6-month reference index and varies according to the evolution of the reference index and the exchange rate. It is important to be aware that changes in the reference index, fluctuations in income and changes in the exchange rate can affect your ability to pay the loan repayments or the total amount to be paid.
    Work&Travel credit in lei, with fixed interest if you receive your earnings in a BT account (equal installments)
    Loan amount
    17.000 lei
    Duration of the loan
    2 years (24 installments)
    Interest
    9%
    Monthly instalment
    777 lei
    APR (Annual Percentage Rate of Charge)
    10,67%
    Analysis fee
    200 lei
    Annual administration fee
    0 lei
    Total cost of the loan
    1.927 lei
    Total amount to be paid
    18.927 lei
    Work&Travel loan in lei, with fixed interest, if you receive your income in a BT account (decreasing rates)
    Loan amount
    17.000 lei
    Duration of the loan
    2 years (24 installments)
    Interest
    9%
    Monthly instalment
    starting from 836 lei
    APR (Annual Percentage Rate of Charge)
    10,71%
    Analysis fee
    200 lei
    Annual administration fee
    0 lei
    Total cost of the loan
    1.881 lei
    Total amount to be paid
    18.881 lei
    Work&Travel euro fixed-rate Work&Travel credit if you receive your earnings in a BT account (equal installments)
    Loan amount
    3.500 euro
    Duration of the loan
    2 years (24 installments)
    Interest
    8%
    Monthly instalment
    160 euro
    APR (Annual Percentage Rate of Charge)
    10,95%
    Analysis fee
    50 euro
    Annual administration fee
    0 lei
    Total cost of the loan
    405 euro
    Total amount to be paid
    3 905 euro
    Work&Travel euro fixed-rate Work&Travel loan, if you receive your earnings in a BT account (decreasing rates)
    Loan amount
    3.500 euro
    Duration of the loan
    2 years (24 installments)
    Interest
    8%
    Monthly instalment
    from 172 euro
    APR (Annual Percentage Rate of Charge)
    11%
    Analysis fee
    50 euro
    Annual administration fee
    0 lei
    Total cost of the loan
    395 euro
    Total amount to be paid
    3 895 euro

    Credit interest rate benchmarks

    See the quarterly evolution