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    Optional private pensions Pillar 3

    Invest today
    for me
    tomorrow

    The present deserves to be lived to the full, but so do you, tomorrow. You can start building your future today if you choose to save
    through a private pension fund.

    I want to invest
    +10,000 customers benefit from optional private pensions.
    +10,000 customers benefit from optional private pensions.
    +10,000 customers benefit from optional private pensions.
    +10,000 customers benefit from optional private pensions.
    +10,000 customers benefit from optional private pensions.
    +10,000 customers benefit from optional private pensions.
    +10,000 customers benefit from optional private pensions.
    +10,000 customers benefit from optional private pensions.
    +10,000 customers benefit from optional private pensions.
    +10,000 customers benefit from optional private pensions.
    +10,000 customers benefit from optional private pensions.
    +10,000 customers benefit from optional private pensions.
    +10,000 customers benefit from optional private pensions.
    +10,000 customers benefit from optional private pensions.
    +10,000 customers benefit from optional private pensions.
    +10,000 Customers
    Benefit from optional private pensions.

    The investment that
    takes care of you

    Choose the right background

    There are two optional pension funds, Pensia Mea and Pensia Mea+, each with different features.

    You decide the pace

    You can stop or restart contributions at any time, or change the monthly amount, depending on what's best for you.

    Long-term safety

    Your money is professionally managed and responsibly invested in regulated products.

    Start step by step

    The minimum monthly contribution you can start with is 50 lei for My Pension or 50 lei for My Pension+. 

    You have complete control

    View the current balance, history, type and details of your contributions and the number of fund units held.

    It's your pension,
    for real

    The money is yours to keep track of, you know where it's going, you can follow the evolution of the fund directly from your phone and everything you save becomes your future. A monthly amount, even 100 lei, can have a big impact over time. It's the kind of habit that's easy to build and brings long-term results. Changing jobs? No problem. Your contributions stay in your account. 

    Past performance is not a guarantee of future performance. Read the prospectus and key investor information (KII). 

    A safe place for your money

    Investing for your future

    A safe place for your money

    I want to invest

    All you need
    to do in BT Pay

    • Download the BT Pay app
    • Tell us a few things about yourself and confirm your identity
    • You choose your optional private pension fund according to your preferences and the BT current account from which you want to pay your contribution
    • That's it! From now on, your future has a good plan
    I want to invest

    Quick help

    Pensia Mea is one of two optional private pension funds managed by BT Pensii, specifically Pillar 3. The minimum contribution to Pensia Mea is 60 lei and must not exceed 15% of your gross monthly income. Your contributions are tax deductible up to 400 euros per year (approximately 165 lei per month), and if your employer also contributes to My Pension, their contributions are fully tax deductible. The higher the contribution, the more generous your disposable income will be after retirement.
    Pensia Mea+ is the optional private pension fund managed by BT Pensii, a fund taken over from BRD Societate de Administrare a Fondurilor de Pensii Private S.A. The minimum contribution to Pensia Mea+ is 50 lei per month and must not exceed 15% of gross income.

    In Romania we have 3 types of pensions: 

    ❶⠀Pillar 1➭ state pension;

    ❷⠀Pillar 2➭ mandatory private pension;

    ❸⠀Pillar 3➭ Optional private pension.

    Log in to BT Pay and follow the steps there. 🥰

    Or, contact a BT marketing agent and sign a membership agreement for My Pension. Write to us at contact@btpensii.ro or call 0212 038 400 to find out where to find the nearest colleague who can help you.

    To check whether your contributions to BT Pensii have been collected, you can log in to BT Pay, go to the investments tab, and select the pension fund to which you transferred your contribution. Or you can accessyour online account on the BT Pensii website. There you will find detailed information about the amounts collected and how they were allocated. To access your online account, visit BT Pensii - Online Account. 

    But don't worry, after each transfer and after the proper allocation of the money, you will receive a text message to the phone number stated in the membership form. ✨

    Pillar 3 is the privately managed optional pension, i.e., the money you voluntarily accumulate for your future pension. 👍In this system, you can contribute both as an employee—on your own behalf—and through your employer—on your behalf, as a form of additional benefit. The monthly contribution to the optional pension is tax deductible, up to a limit of 400 euros for the employee and fully tax deductible for the employer who contributes on your behalf. The money contributed to the optional private pension is in your name and only you can dispose of it.
    Pillar 1 is the state pension you will receive each year after you retire. 👴The state pension represents a percentage of your last salary before retirement. This percentage 📉 decreases each year.According to EFOR estimates, while those retiring now receive a monthly state pension worth approximately 48% of their last salary, those retiring in 2040 (i.e., those who are now 45 years old) will receive a state pension worth approximately 24% of their last salary. 😉
    If you have joined Pensia Mea or Pensia Mea Plus through BT Pay, you can change your contribution amount directly in BT Pay, in the Investments section. Alternatively, fill in the Application for Modification of Contractual Terms and send the signed form by email to contact@btpensii.ro. 😉
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    Do good
    for your future

    Direct from BT Pay, you can choose the right optional private pension to suit your lifestyle.

    I want to invest
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    The investment that
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    You can start building your future today if you choose to save through a private pension fund directly from BT Pay.