INVESTMENT FUNDS
Investing made easier than ever
Your money doesn't sit still, it works for you. Invest directly from BT Pay in 14 investment funds. The best part? You can start small without having to be a financial guru.
A safe place for your money
You have the overview
Send, receive and manage all your transactions directly in BT Pay.
Make informed decisions
See details of the returns and performance of each fund,
main holdings and currency.
Invest safely
Invest in a secure regulatory framework and regulated products.
You can Start with just 50 lei
The minimum amount to start investing is just 50 lei or 25 euro/dollars
You know where your money's at
Get instant access to your savings and investments directly from the app.
14 investment funds
Invest with our experts, with less stress and more diversification. Choose which fund suits you, in lei, euro or dollars, depending on your risk appetite.
Past performance is not a guarantee of future performance. Please read the prospectus and the Essential Investor Information (EII) before investing in the investment funds managed by BT Asset Management SAI.
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Direct Invest
Set a recurring payment for one or more funds directly from the app.
The minimum amount is 50 RON or 25 EUR/USD.
You can always change the recurrence or stop investing in a fund.
A few simple steps and you're an investor
Download the BT Pay app. You tell us a few things about yourself and confirm your identity. You choose your fund according to your preferences. That's it! Start investing.
Quick help
We are different, and that's great. It's part of the beauty of life. But it also means that each of us has a different appetite for risk. Some tolerate big risks with the ability to withstand possible losses, while others are only willing to take very small risks when investing. So expectations of returns on financial investments are also different.
The objective of investment funds is generally to at least outperform inflation. The investment funds available through BT Pay offer customers a wide range of options, with very different degrees of risk and potential returns - from bond or fixed income funds to funds investing in Romanian, EU or non-EU equities, including thematic funds (agri, energy, real estate, technology), in LEI, EURO or USD.
To find out how investment funds are performing, please go to the 'Investments' section of the BT Pay app and select the fund page of interest.
As of 01.01.2023, gains obtained by individual investors from investments in open-end investment funds will be taxed by withholding withholding as follows:
- by levying a 1% levy on each gain on the transfer of securities which have been acquired and disposed of during a period of more than 365 days, inclusive, after the date of acquisition
- by levying a 3% levy on each gain on the transfer of securities which have been acquired and disposed of within a period of less than 365 days from the date of acquisition
Start investing
Invest directly from BT Pay in one of 14 investment funds.
