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    Deposit guarantee

    The Bank Deposit Guarantee Fund is the only institution in Romania whose mission is to guarantee the deposits deposited with credit institutions participating in the Fund, as well as to pay compensation to the guaranteed depositors, within the guarantee ceiling and other conditions established by law, when deposits become unavailable.

    The Bank Deposit Guarantee Fund guarantees deposits, in any currency, with credit institutions participating in the Fund, within the limits and under the conditions provided by law. The exception from the payment of compensation are deposits falling into the unguaranteed categories, as set out in the list of deposits excluded from the guarantee, as provided by Law 311/2015 on Deposit Guarantee Schemes and the Bank Deposit Guarantee Fund.

    Deposits held by individuals or legal entities with institutions participating in the Fund are guaranteed by law by the Bank Deposit Guarantee Fund up to a ceiling of 100,000 euro, in lei equivalent.

    Deposits made up by individuals resulting from:

    • real estate transactions relating to immovable property for residential purposes;
    • the event of retirement, dismissal, from the situation of invalidity or death of the depositor;
    • insurance benefits or compensation for criminal offenses or wrongful convictions.

    They are covered up to the equivalent in lei of EUR 100,000, for a period of 12 months from the date on which the amount has been credited to the account with the Bank or from the date on which the deposits can be legally transferred to another credit institution.

    The amounts falling into the three categories mentioned above shall be categorized on the basis of supporting documents submitted by the customer to the bank.

    In the event that deposits with a credit institution participating in the Fund become unavailable, the FGDB will ensure the payment of compensation, up to the guarantee ceiling. Compensation payments are made only in lei.

    By compensation, according to the law, we mean the amount that the Fund pays to each guaranteed depositor for unavailable deposits, regardless of their number, up to the guarantee ceiling and under the conditions provided for by Law 311/2015 on deposit guarantee schemes and the Bank Deposit Guarantee Fund.

    The level of compensation is calculated as follows: the sum of all guaranteed deposits that a person holds with that credit institution (at the time they became unavailable) is reduced by the total amount of outstanding liabilities that he has up to that date with the credit institution.

    The Compensation is paid in national currency, irrespective of the currency of the deposit(s).

    Deadline for starting payment compensation is 7 working days from the date the deposits became unavailable.

    The document "DEPOSITORS INFORMATION" contains the "list of deposits excluded from the guarantee" and the "form for information provided to depositors" in accordance with Law 311/2015 on deposit guarantee schemes and the Bank Deposit Guarantee Fund.

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    AI Search provides automatically generated answers, using GPT-4o 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 GPT-4o 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.

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