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    Information notice on the processing of personal data of BT customers for customer due diligence purposes for the prevention of money laundering and terrorist financing

  • 1. General provisions

    Banca Transilvania, S.A., S.A. (hereinafter also referred to as "the bank", "BT", "we", "us"), hereby informs you of how it intends to process your data, as a BT Customer, for the main purpose of customer due diligence for the prevention of money laundering and terrorist financing.

    This information note is supplemented by the provisions of General information notice on the processing and protection of personal data of BT customers (hereinafter also referred to as the "BT General Information Notice" or "Notice"), which you are advised to consult. Within the Note you will find including the definition of BT Customer, beneficial owner, politically exposed person and definitions of other specialist terms.

    The primary legislation establishing the obligation for the BT to apply the know-your-customer measures is primarily represented by Law no. 129/2019 on preventing and combating money laundering and terrorist financing, as well as amending and supplementing certain regulatory acts.

    Customer due diligence for the prevention of money laundering and terrorist financing, including risk-based verification, is carried out by BT through the application of customer due diligence measures that involve both identity verification and the processing of personal data required by law, both at the time a particular individual acquires the status of BT Customer (data collection), for the entire period during which this status is held (data updating), as well as after this time, for the period of time legally established after the termination of the status of BT Customer (data storage and processing for purposes permitted by law).

    As long as you are a BT Customer, you are obliged to update the data collected/supplied in the bank's records in order to know your customers, whenever they change.

    2. Personal data that we process for the purpose of customer knowledge

    Thus, in order to open and conduct the contractual relationship with most categories of BT Customers, the bank is legally obliged to collect from/about BT Customers, for the performance of a task serving a public interest, as appropriate, at least the following categories of personal data: name, surname, date and place of birth, personal identification number (CNP) or similar unique identifier, domicile, residence, telephone number, fax number, e-mail address, occupation, name of employer or nature of own business, important public position held or politically exposed person (PEP) status, information about the purpose and nature of the business relationship and source of funds, and copy of ID.

    The application of know-your-customer measures includes the use of the data collected to:

    • making and sending reports to the institutions competent to receive them, in accordance with the legal provisions applicable to the bank (such as, but not limited to: reports for declaring transactions exceeding the amount established by law to the National Office for the Prevention and Combating of Money Laundering);
    • assessing and monitoring the financial-commercial behaviour of BT's customers during the course of their business relationship with the bank, in order to detect unusual transactions and suspicious transactions, in accordance with the legal obligations of customer due diligence imposed on the bank for the prevention of money laundering and terrorist financing;

    3. Retention period of personal data processed for the purposes of customer intelligence

    The data collected and, where applicable, updated, together with the records of all financial transactions arising from the conduct of the business relationship with BT, will be stored in the bank's records for a period of at least 5 years from the date of termination of the business relationship, according to the legally prescribed retention period (in Law 129/2019).

    If the business relationship is not opened, your data will be stored by BT for at least 5 years from the date of the bank's refusal to open the business relationship.

    In case of refusal of BT Customers to provide/update/process these data, their contractual relationship with the bank may not be opened or, if applicable, may be terminated at the initiative of BT.

    Data processed for customer intelligence purposes may be subject to automated decision-making processes, where appropriate, such as:

    • in order to apply know-your-customer measures for the purpose of preventing and combating money laundering and terrorist financing, checks will be carried out on databases of persons suspected of financing terrorist acts or, where appropriate, persons at high risk of fraud and, if BT customers are included in these records, the bank reserves the right to refuse to enter into a business relationship with them or to terminate the contractual relationship;
    • to protect BT Customers and BT walk in clients against fraud, as well as for the bank to properly fulfill its KYC obligations, it monitors the Customers transactions and, if it identifies suspicious transactions (such as unusual payments as frequency, value, reported to the source of funds declared or the purpose and nature of the business relationship, transactions initiated from different cities at short time intervals, which did not allow the travelling between those cities, transactions whose details generate suspicions of money laundering or terrorist financing, attempts to use BT cards on suspicious websites), may take measures to block the transactions, accounts’ cards, taking these decisions solely based on automatic processing;

    4. Rights of the data subject

    Data processed for KYC purposes may be disclosed/transferred by BT, as appropriate, to the categories of recipients listed in BT General Information Notice. In this General Notice you will also find details of the rights you have in relation to the processing of your data for the purposes indicated, how you can exercise those rights or how to contact the BT Data Protection Officer appointed by BT (BT DPO).

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    Powered by Azure OpenAI GPT-4o
    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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