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Top 10 remote banking solutions for entrepreneurs

18 April 2022 Reading time 9:00 minutes

Being an entrepreneur in Romania is certainly not easy, but when it comes to #banking we come up with the most useful financial tools, so that you already have this part covered.

Whether you'd like to have a banking assistant to keep you up to date with information about your accounts at all times, or maybe you're thinking that a platform to manage your employees' meal cards with a few clicks would be a real help, we're opening our toolbox today and coming up with a helping hand for #bankingladistanta.

 

📌 Update: BT eSign

The newest solution on our list is BT eSign, the method by which you can sign contracts and addenda for unsecured home loans online. And because the advantages for entrepreneurs are our strong point, it's good to know that e-signing is free and this solution is right for you, even if you are not a BT customer. In other words, if you are a co-debtor or guarantor on a contract you can use BT eSign at any time and so you can forget about trips to the bank because everything becomes simpler, online 😉.

OnBoarding

We start with those who have just started on the road to entrepreneurship. We know what it's like, we were there at the beginning and we loved being encouraged to do good work! That's why, for those of you who are just starting out on the road to entrepreneurship, we've prepared the 100% online option of entrepreneurship onboarding. In other words, with us you can open your equity accountdirectly from your home. All you need is some paperwork, 15 minutes free time and a photo, and then you have officially ticked one more task to get your dream moving 😊.

 

Open an account online

Now you can take your first steps towards BT, right from home, by opening an online account. In other words, you can open a BT account and then manage it 100% online, and the process is as easy as it gets. You just have to upload your ID, we'll quickly see you on a video call to get to know each other better and that's it!

Pssst: By opening an online account you have access to the package UNLIMITED which includes so many benefits, it makes you wonder why you haven't thought of us before 😉.

Spoiler alert! We have something #cool including for entrepreneurs with start-ups. Yeap, if your company is less than a year old, then you can access Free First Year Account.

 

Raul from BT

Do you know Raul? Well, if you haven't heard of him yet, no problem, because we'll take care of the introduction 😊. Think of Raul as your friend from BT. Basically, he's your financial assistant that you can consult at any time of the day or night without bothering him. And he will answer all your questions about the products and services your company has at BT.

In other words, Raul is our chatbot that can help you anytime with:

  • IBAN of the current account in lei or other currencies;
  • Current account balance in lei or other currencies;
  • Requesting debit instruments;
  • Payment amounts related to credit card loans;
  • Details about rates, interest rates, credit fees, garnishments, exchange rates;
  • Information about cheques or promissory notes;
  • The number of loyalty points earned on your STAR shopping card;
  • Package details UNLIMITED in the BT network and its extras;
  • Information about the grant programme;
  • Balance of grant account(s);
  • IBAN of the grant account(s);
  • Update account data.

Do you have a small business and are thinking about how to finance it? Well, Raul is so smart that he can help you get an overview of the loans you can take out from BT Mic by running a simulation for information purposes.

Moreover, Raul helps you apply for a loan for your business directly on the website BT Small. The process is as simple as it gets and you don't have to go all the way to the bank 😉.

If you already have a loan from BT Smallthen Raul will answer your questions as soon as possible:

⚖ How much more do you have to pay?

💸 How much do you have to pay monthly?

📆 When is the instalment due?

The best part is that Raul is always online and you can access him directly from your smartphone. In other words, you can interact with him as easily as you would write a message to a friend, because you can find him on WhatsApp. Come to #InteractBT to see how you can meet our colleague Raul.

 

BT Visual Help

Because a solution that comes straight to your phone is always better than a trip to the bank, BT Visual Help is your financial partner, offering information and banking options such as:

  • Check balance, IBAN and transactions;
  • Check if you have active liens on your company account(s);
  • Temporarily or permanently block cards;
  • You request the reissue of a card after the final blocking;
  • You change the transaction limits with your BT card;
  • Dispute a card transaction - you can manage and decline certain physical or digital card transactions at ATMs, POS or online yourself;
  • Generate statements, which will then be sent directly to your email in just a few minutes;
  • You can receive or send files during the call with the Call Center team, which facilitates faster resolution of various problems. 

When technology meets #banking, your job as an entrepreneur becomes easier, so why complicate it when BT gets everything you need from your smartphone? The steps are even simpler than they look, come and see them straight away on #InquireBT.

 

BT Pay

In case you think an app would be more handy, keep calm & use BT Pay. More than likely, you've already heard something about this app, you probably even use it for your personal cards, but what about your business cards? Well, you can even enter them, whether they are credit/debit, lei/euro, BT or non BT cards. In the app you have a special place for each 😎.

After you've signed up BT cards and your non-BT in the BT Pay app, you can start #normalbanking. Here are some things you can do:

  • Confirm payments securely and quickly online directly from your phone;
  • Contactless payment by phone;
  • Check your card balance directly from the app;
  • Temporary or permanent blocking of a card;
  • Check all card transactions in real time and group expenses by category.

 

BT Ticket

If you are also that entrepreneur who has chosen the BT meal card as a salary benefit for your team, then we must tell you that managing them just got easier! So easy that the whole activity is reduced to a few clicks by which you can:

  • Order meal cards for your employees online;
  • Request reissuance of meal cards or activation codes/PINs;
  • You change the value of meal tickets;
  • Access invoices for voucher transfers made on meal cards.

By the way, you also need to know that this platform is completely free, and all you need to do if you already offer your employees the BT meal card is to sign an addendum. And that's it, at no extra cost you have access to a management platform that helps you do your job much faster.

 

Updating data through online channels

If you are one of our business partners with a history with BT, then you should know that we have prepared a feature for you that will definitely be of great help. From now on, when there is a change in your company, whether it's a change in name, field of activity, shareholding structure or other data, you can notify us with a few clicks directly on our website. Updating data is at least as important as anticipating business risks, because:

 

Debit instruments?

When it comes to your business we like to know that we help you in the shortest possible time, that's why we offer you the service for cheques and promissory notes. Yeap, you read that right. Not many people know it, but with us you can request them online, and then pick them up at the store. Think of it as a pre-order, you tell us exactly what you need, select the unit where it's most convenient for you to pick them up, and by the time you get there, the documents are ready. And that's how you save time, because you skip the wait at the counter. It's also good to remember that you can pick up documents from any BT unitand since we have a lot of them, we'll give you a hand wherever you are 😊.

 

CIP Online

If you propose to make a deal with a partner you don't know very well yet, before signing the commercial contract, it might be a good idea to do a little checking. And for this, we come to your aid, with an online solution specially prepared for such situations. We are talking about the CIP Online platform, through which you can always request a query in the payment incident centre for any partner, about which it might be useful for you to have some more information.

 

Warm welcome

If you are not yet our customer, but would like to see how it feels to benefit from all the financial tools we have prepared for you, then don't think twice, we have already done it! 😉 That's how the package appeared UNLIMITED where you can give a real-time update on your entrepreneurship. Basically, it's a kind of All Inclusive package, but for business.

The best part? It's joining the largest SME community in the country. With over 300,000 business friends who have already purchased the package, we expect you to take #business to the next level.

Whenever you think about #bankingladistanta it's good to know that you have a box of tools you can use at your leisure, non-stop. However, in case you miss us, know that we are waiting for you in any BT unit, if only for some useful advice at the right time 🤜🤛.

  

Editor: Mihaela Ban, Communication & PR Officer, Banca Transilvania

 

Press contact

comunicare@btrl.ro

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