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    PROCESSING TIMETABLE
    BT24 TRANSACTIONS

    1. Non-commissioned operations

    • transfers between own accounts (opened with Banca Transilvania under the same client code)
    • currency exchanges
    • deposit formations
    • utility payments to collecting accounts in Banca Transilvania
    • payments in lei and foreign currency to beneficiaries with accounts opened with Banca Transilvania
    • The list of utility providers with the account opened at Banca Transilvania to which the invoices can be paid free of charge can be found in the Utility payments section of the application.

    2. Payment fees lei

    Interbank payments made through the BT24 Internet Banking service: in tranches, depending on the value of the operations, as follows:

     < 1,000.00 LEI
    2.50 LEI
    1,000.00 - 49,999.99 LEI
    5.00 LEI
    ≥ 50.000.00 LEI
    10.00 LEI
     Urgent payments
    10.00 LEI

    The fees charged by Banca Transilvania for the interbank transactions include the TRANSFOND fees charged by the two entities as administrators of the SENT settlement systems, respectively regis, as follows:

    • For receipts made on the basis of debit payment instruments by electronic compensation, the TRANSFOND commission is 0.88 lei / collection;
    • For the debt payment instruments refused, the TRANSFOND commission is 0.55 lei / refusal;
    • For payments with a payment order, the fees charged by TRANSFOND are:
      • 0.51 lei / payment for transactions between 0 - 49,999.99 lei, TRANSFOND commission for processing through SENT system;
      • RON 6.00 / payment for transactions > RON 50,000 (inclusive) or any amount settled as a matter of urgency for processing through reGIS system.

    3. Currency payment fees

    Non SEPA payments

    0.10% of the amount, minimum 15 EUR, maximum 600 EUR (SWIFT/TRANSFOND fee included)

    SEPA payments

    By instalments, depending on the value of the operation:

     from 0 to 1,000.00 LEI in EUR equivalent
    2.50 LEI in EUR equivalent
     from RON 1,000.00 inclusive, up to RON 50,000.00 in EUR equivalent 
    5.00 LEI in EUR equivalent 
     for amounts ≥ 50,000.00 LEI in EUR equivalent 
    10.00 LEI in EUR equivalent 

    The SEPA payment is that payment which cumulatively meets the following conditions:

    • is a payment in EUR;
    • is an orderly payment under "normal" (without urgency) regime, with SHA fee;
    • the beneficiary bank is a bank from one of the sepa countries and has joined the Sepa payment schemes.

    The SEPA space consists of:

    • The Member States of the European Union:;
    • Euro area countries: Austria, Belgium, Cyprus, Croatia, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, the Netherlands, Portugal, Spain and Slovenia;
    • Non-euro area countries: Bulgaria, Czech Republic, Denmark, Latvia, Lithuania, Hungary, Poland, Romania, Slovakia, Sweden and the United Kingdom;
    • Member States of the European Economic Area (EEA): Iceland, Liechtenstein, Norway;
    • Switzerland and Monaco.

    SEPA will also be extended to the following territories, considered part of the European Union (Art. 299 Treaty of Rome): Martinique, Guadalupe, French Guiana, Reunion, Gibraltar, Azores, Madeira, the Canary Islands, Ceuta and Melilla and the Aland Islands.

    In the case of SEPA payments, Banca Transilvania will not charge a correspondent bank fee.

    Commission for processing and communication in emergency regime for making payments in foreign currency:

     1 - 150,000 EUR
    25 EUR / payment
    > 150,000 EUR
    75 EUR / payment 

    The emergency processing and communication fee shall be charged together with the fees related to the operation. The operation commissioned in emergency regime is carried out on the same day the currency date or the currency date - the next working day (for payments made between 09:00 - 18:00), and the final swift message is sent to the branch on the day of the operation.

    NOTE: In addition to Transilvania Bank's fees, in the case of payments in foreign currency to other banks, in the case of transfers with the SHA option (except for SEPA payments) and OUR, correspondent bank fees will be charged, the amount of which is set by them.

    Changes / cancellations of currency payments
    30 EUR

    4. DSP payments ** (payments to countries in Europe) - include payments to DSP countries in DSP currencies.

    ** DSP - Payment Services Directive:

    DSP countries: Austria, Belgium, Bulgaria, Cyprus, Croatia, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Great Britain, Norway, Netherlands, Poland, Portugal, Czech Republic, Romania, Slovakia, Slovenia, Spain, Sweden, Hungary.

    The DSP coins used in Banca Transilvania: Danish krone (DKK), Swiss franc (CHF), British pound (GBP), Norwegian krone (NOK), Polish zloty (PLN), Czech krone (CZK), leu (RON), Swedish krone (SEK), Hungarian forint (HUF).

    PLEASE NOTE: DSP payments can only be made with SHA fees. No payments can be made under the DSP under ben commissioning regime.

    For non-DSP** and non-SEPA payments, intermediary banks' fees shall be communicated to customers and withheld after payment has been made; they shall be borne as follows:

    • In the case of payments with the option "OUR" by the BT customer authorising the payment;
    • In the case of payments with the option "BEN" by the payee;
    • In the case of payments with the 'SHA' option, the payment officer shall bear the commission of the correspondent bank of BT, the rest of the fees being borne by the beneficiary.

    Correspondent bank fees for payments under DSP*** are:

    Currency
    Commission type
    Commission amount
    CHF
    OUR
    14.5 CHF

    SHA
    14.5 CHF
    CZK
    OUR
    0.5%, min. 200CZK, max 2,000 CZK

    SHA
    200 CZK
    DKK
    OUR
    15 DKK

    SHA
    15 DKK
    GBP
    OUR
    12 GBP

    SHA
    3 GBP
    HUF
    OUR
    1500 HUF

    SHA
    1500 HUF
    PLN
    OUR
    10 PLN

    SHA
    5 PLN
    SEK
    OUR
    60 SEK

    SHA
    60 SEK
    NOK
    OUR
    100 NOK

    SHA
    100 NOK

    Other fees to be charged when initiating the payment:

    If you select the our commissioning mode for NON DSP and non SEPA payments, the following fees are charged:

    • Payments in EUR - correspondent bank fee is 22 EUR
    • Payments in USD - correspondent bank fee is $ 15
    • For currency payments that require changes (e.g. mismatch between name and recipient account, payee account and foreign currency sent) it is possible for the recipient bank to withhold an additional fee (repair charges); in this case, the commission requested by the beneficiary bank / modified currency payment shall be communicated to BT's customers and shall be withheld after the payment has been made, as they are received from the beneficiary bank.
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    AI Search is a pilot project - in beta - that uses GPT4 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.

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    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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