BT Pay

Investing made simple

Your money doesn't sit still, it works for you. Invest directly from BT Pay in a diverse range of investment funds. The best part? You can start small without having to be a financial guru.

I want to invest

A safe place for your money

In a world where international platforms are winking at you, but not always regulated, we offer you a stable and reliable environment, 100% online.

You have the overview

See all the funds you hold and their returns.

Get the overview View all the funds you hold and their returns.

Make informed decisions

See details of each fund's returns and performance, main holdings and currency.

Invest safely

Invest in a secure regulatory framework and regulated products.

Start with just 50 RON

The minimum amount to start investing is just 50 RON or 25 EUR/USD.

Investment funds

Invest with our experts, with less stress and more diversification. Choose which fund suits you, in RON, EUR or USD, depending on your risk appetite.

* Past performance of the fund is not a guarantee of future performance. Please read the prospectus and the Essential Investor Information (EII) before investing in investment funds managed by BT Asset Management SAI.

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A few simple steps and you're an investor

01Download the BT Pay app.
02You tell us a few things about yourself and confirm your identity.
03You choose your investment fund according to your preferences.
04That's it! Start investing.

Direct Invest

Set a recurring investment 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.

Quick help

Which is the best performing fund over the last 3 years?

The performance of an investment fund depends on a multitude of factors. Check the performance of investment funds in the BT Pay app or here.

Which investment fund is best to invest in?

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.

Which funds are outperforming inflation?

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.

How can I find out how a fund is performing/earning?

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.

How are investment fund gains taxed?

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

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