Fees and commissions
Last update: 02.10.2025
Most common operations
Operations
whether the documentation submitted is complete
free
whether the bank needs to obtain additional information from RECOM
45 Lei
Current account management (in current account currency)
10 lei/month/account or
free with an Unlimited Package
Electronic daily and monthly account statements
free
Card issuer
10 Lei/card or free
as part of an Unlimited Package
Annual maintenance card
50 Lei/card or free
as part of an Unlimited Package
BT ATM cash withdrawals
0.4% or first 5 free pickups
as part of an Unlimited Package
Internet and mobile banking subscription
25 You
Intra-bank and interbank receipts with payment orders, including InstaState, in lei and foreign currency
free
Intra-bank payments in lei or foreign currency via electronic channels
free
Interbank payments via electronic channels, including instant, in LEI and EUR,
to a SEPA bank account*
0- 49.999,99 LEI
5 LEI
≥ 50.000 Lei
10 LEI
NOTE:
* For interbank payments in Eur, fees are charged in Eur equivalent. For payments in RON Transfond/BNR commission included.
Deposit made at BT ATMs
free
Pick up at BT counters in LEI
1% min 10 LEI
Full list of fees and charges
Open account
If the documentation submitted is complete
free
If the bank obtains further information from RECOM
45 LEI
By post
10 EUR
Current account
Current account management (in current account currency)
10 LEI/month/account
Dobandas at sight
0%
Listed monthly statements
free
Electronic monthly statement of account
free
Listed daily statement
15 LEI/extras
Daily statement in electronic format
free
Issue duplicate bank statements, documents attached to the bank statement (paper payment orders, receipts, forms)
15 LEI/duplicate
Current account management for high-risk clients
50 EUR/year
Additional commission for customer account management CAEN code: Gambling and betting activities
450 LEI/month
If the documentation submitted is complete
free
If the bank obtains information from RECOM as part of the data update process
45 LEI
Transfers
Intra-bank and interbank receipts with payment orders, including instant, in lei and foreign currency
free
Intra-bank payments via electronic channels in lei and foreign currency
free
Interbank payments via electronic channels in RON, including instant, interbank payments in EUR , to a SEPA bank account, including instant in EUR, to a SEPA bank account that supports the instant option (up to a maximum of €10,000/payment)
up to 49.999,99 Lei
5 LEI
≥ 50.000 Lei
10 LEI
Urgent interbank payments in lei through electronic channels (NBR commission included)
10 LEI
Interbank payments in Eur via electronic channels to a bank account outside the SEPA area or
in currencies other than Eur, in or outside the SEPA area
0.1%, min. 15 EUR
max. 600 EUR
External interbank payment in lei
10 LEI
free
External payment from BT account to Victoriabank (MD) account in RON, EUR, USD, GBP, CHF, EUR, USD
free
NOTE:
Transfond/BNR commission included. Commission for payments in foreign currency is charged in the currency of payment.
Intra-bank payments and receipts by debit instruments (cheque/money order)
5 LEI
Interbank payments and receipts by debit instruments (cheques/ promissory notes)
10 LEI
NOTE:
In the case of a debit instrument (check/money order) declined for payment, the debit instrument (check/money order) payment fee will be charged.
The interbank debit interchange fee includes the TRANSFOND fee.
Additional commission on non-electronically settled cheque/money order
free
Remittance of cheques / promissory notes
free
Commission for issuing cheques / promissory notes
free
Cheque certification
25 LEI / instrument
Over-the-counter transfers
Intrabank over-the-counter payments with a payment order in lei
15 LEI
Over-the-counter interbank payments with payment order in LEI, Over-the-counter interbank payments in EUR to a SEPA bank account, all in EUR equivalent
from 0 to 49.999,99 Lei
20 LEI
amounts ≥ 50.000 Lei
30 LEI
Urgent interbank payments in lei with over-the-counter payment order (NBR commission included)
30 LEI
Intra-bank payments in foreign currency over the counter
5 EUR
Interbank payments in EUR over the counter, to a bank account outside the SEPA area or in currencies other than EUR, in or outside the SEPA area (SWIFT fee included)
0.2%, min. 20 EUR
max. 800 EUR
External payment in lei over the counter
30 LEI
free
External over-the-counter payment from BT account to Victoriabank (MD) account in RON, EUR, USD, GBP, CHF
free
Emergency fee for payments in foreign currency
EUR 30 in the equivalent currency of the payment
Change/cancel foreign exchange payment
30 EUR
Changes in currency receipts with incorrect details
5 EUR
Investigations of foreign exchange receipts/payments
20 EUR
NOTE:
- For collections made on the basis of debit payment instruments through electronic clearing, the TRANSFOND fee is 0,88 Lei/collection.
- For refused debit payment instruments, the TRANSFOND fee is 0.55 Lei/refusal.
- For payments by payment order, the fees charged by TRANSFOND, respectively NBR, are: 0,51 Lei/payment for transactions between 0 - 49.999,99 Lei, TRANSFOND fee for processing through SENT system; 6,00 Lei/payment for transactions ≥ 50.000 Lei (inclusive) or any amount settled in emergency, NBR fee for processing through ReGIS system. 0,45 Lei/instant payment, Transfond fee for payments ≤ 49.999,99 Lei.
Internet Banking
Internet Banking and/or Mobile Banking
25 LEI/ month
BT Ultra Web internet and mobile banking subscription
20 EUR
BT Sign - software token for BT Ultra Web authentication
5 EUR/ month
(starting with the second user)
Physical token device non-return fee for BT Ultra Web authentication
50 LEI
Cash operations
Deposit made at BT ATMs
free
Deposit made by authorised representatives or delegates at the bank counter
0.1%, min. 10 LEI
Deposits made by persons other than authorised or delegated persons at BT counters
0.5% min 20 LEI
Coin deposit for amounts exceeding 100 coins/deposit
2%
Slow currency deposit (all currencies except EUR and USD)
0,30%
Withdrawal from BT cash machines in lei
1% min 10 LEI
Pick up at BT branches in foreign currency
1% min 3 EUR
Withdrawal from BT ATMs in foreign currency
0.8% min 3 EUR
Collection and transport
negotiable
Card operations
Card operations
NOTE:
* Charged on the 26th of the month if the company does not record a turnover at least equal to the amount of credit used at the end of the previous month, this fee will be applied to the balance of credit used at the end of the previous month.
** A one-time fee of 3,5 Lei will be charged for generating and submitting all transaction reports per company.
Other services and products
BT Alert 40 with 40 SMS included
10 Lei/ month + 0.5 Lei / additional SMS
BT Alert 80 option with 80 SMS included
20 Lei/ month + 0.5 Lei/ additional SMS
SMS Alert - card payment notifications
5 LEI/ month / card in LEI
1 EUR/ month / card in EUR
1,5 USD/ month / card in USD
SMS service - notifications related to garnishments
free
Direct Debit SMS service - notifications related to direct debit payments (future payment, payment confirmation)
2 LEI/ month/ mandate
Making direct debit payments within the bank
free
Interbank direct debit payments
Fee for refusal to pay an interbank direct debit instruction
up to 49.999,99 LEI
5 LEI
≥ 50.000 Lei 10 LEI
10 LEI
NOTE:
Transfond/ BNR commission included.
Monthly subscription
85 LEI + VAT
Fee for each payment order sent
8,4 LEI + VAT/ payment order
to the treasury
Daily transmission of the statement of account or the balance of an account by SWIFT message to a beneficiary with an account at another bank based on a request from the BT customer
25 EUR/month
for each currency
Deposit account management
25 LEI/month
(to be deducted from current account)
35 lei/month (deducted from your current account)
CIP consultation on request
5 LEI + VAT
Monthly fee
15 EUR/ month/ customs office (equiv. LEI)
Commission free of charge
free
Commission for payment of garnishment
50 LEI/ payment greater or equal to
50 LEI free/ payment less than 50 LEI
Commission for suspension/suspension of attachment
free
Issuance of addresses at the customer's request (official confirmation of account numbers, confirmations for audit companies, confirmations of authorized persons on the bank account, refinancing of credit, mortgage write-off if the issuance was made after at least
50 LEI + VAT
Approval of new specimen signatures for legal entities
free
Accreditation
* Issue/upgrade/extension of accreditation - in LEI
0,15% / tri. or fraction of a quarter,
min.300 LEI/ quarter. or fraction of trim.
*Emission/upgrade/extension of accreditation - in EUR
0,15% / tri. or fraction of a quarter,
min.75 EUR/quarter. or fraction of trim.
Document check - in LEI
0.10%, min 200 LEI
Document check - in EUR
0.10%, min 50 EUR
Silver
ditto transfers
Modify / Cancel - in LEI
120 LEI
Modify / Cancel - in EUR
30 EUR
NOTE:
*Commission collected in full on the date of issue/upgrade/extension, for the entire validity period of the commitment.
Approval, increase - in LEI
0.10%, min. 300 LEI
Approval, increase - in EUR
0.10%, min. 75 Eur
Handling / Forwarding documents - in LEI
0.15%, min. 300 LEI
Handling / Forwarding documents - in EUR
0.15%, min. 75 EUR
Modify / Cancel - in LEI
120 LEI
Modify / Cancel - in EUR
30 EUR
Confirmation
Negotiable
(to be determined according to
country/issuing bank risk class)
Pre-verification document - in LEI
200 LEI / set of documents
Pre-verification document - in EUR
50 EUR / set of documents
Transfer of the accreditation in favor of another beneficiary - in LEI
0.20%, min. 400 LEI
Transfer of the credential to another beneficiary - in EUR
0.20%, min. 100 EUR
Assignment of proceeds under the letter of credit - in LEI
400 LEI
Assignment of proceeds under the letter of credit - in EUR
100 EUR
Cancel the letter of assignment - in LEI
120 LEI
Cancel the letter of assignment - in EUR
30 EUR
Approval of assignment in favor of a BT customer - in LEI
120 LEI
Approval of the assignment in favor of a BT customer - in EUR
30 EUR
Discrepant amounts (to be deducted from the payment made under the accreditation) - in LEI
320 Lei / set of documents
Discrepant rates (to be deducted from the payment made under the letter of credit) - in EUR
80 Eur / set of documents
Fee in case of non-submission of additional photocopies of documents by the beneficiary of the accreditation (to be deducted from the payment made under the accreditation) - in LEI
40 LEI
Fee for failure to submit additional photocopies of documents by the beneficiary of the letter of credit (to be deducted from the payment made under the letter of credit) - in EUR
10 EUR
Cash
Simple incasso authorization (clean) - in LEI
80 LEI
Simple incasso (clean) - in EUR
20 EUR
Silver
ditto transfers
Release of documents / Release of goods sent to BT address - in LEI
60 LEI
Release of documents / Release of goods sent to BT address - in EUR
15 EUR
Modification / Documents returned unpaid - in LEI
80 LEI
Modification / Documents returned unpaid - in EUR
20 EUR
Simple incasso on collection - in LEI
60 LEI
Simple cash on collection incasso - in EUR
40 EUR
Documentary incasso - in LEI
0.15%, min. 80 LEI, max. 2000 LEI
Documentary incasso on collection - in EUR
0.15%, min. EUR 20, max. 500 EUR
Modification - in LEI
80 LEI
Change - in EUR
20 EUR
Letters of Guarantee/ Stand by Letters of Guarantee
* Issuance / increase / extension of letter of guarantee, guaranteed with cash collateral - in LEI
0.25% / tri. or fraction of a quarter,
min. 100 LEI / tri. or fraction of quarter.
* Issuance / increase / extension of letter of guarantee, secured by cash collateral - in EUR
0,25% / tri. or fraction of a quarter,
min 50 EUR / quarter. or fraction of quarter.
* Issuance / increase / extension of letter of guarantee, secured by collateral other than cash collateral - in LEI
(0.25+risk premium)% / quarter.
or fraction of a quarter,
min. 100 LEI /quar. or fraction of quarter.
* Issue / increase / extension of letter of guarantee, secured by collateral other than cash collateral - in EUR
(0.25+risk premium)% / quarter
or fraction of a quarter,
min. 50 EUR /quar. or fraction of a quarter.
Modification/ Cancel Letter of Guarantee - in LEI
75 LEI
Amendment/ Cancel Letter of Guarantee - in EUR
20 EUR
Payment in the event of an enforcement claim
ditto transfers
NOTE:
*Commission collected in full on the date of issue/upgrade/extension, for the entire validity period of the commitment.
Letter of guarantee - in LEI
250 LEI
Guarantee letter endorsement - in EUR
50 EUR
Verification of authorized signatures - in LEI
50 LEI
Verification of authorized signatures - in EUR
10 EUR
Transmission of payment claims in execution of letters of guarantee - in LEI
0.20%, min. 250 LEI,
max. 800 LEI
Transmission of payment claims in execution of letters of guarantee - in EUR
0.20%, min. 50 EUR,
max. 200 EUR
Modification / cancellation of letter of guarantee - in LEI
75 LEI
Modification / cancellation of the letter of guarantee - in EUR
20 EUR
Conditional payment order
Approval - in LEI
0.1%, min. 200 LEI
Approval - in EUR
0.1%, min EUR 50
Verification (if applicable) - in LEI
0.1%, min. 120 LEI
Verification (if applicable) - in EUR
0.1%, min. EUR 30
Issue
negotiable
Comfort letters
Issuance of comfort letter implying a firm commitment from the bank - in LEI
0,25% of the letter value,
min. 250 LEI + VAT
Issuance of a comfort letter involving a firm commitment from the bank - in EUR
0.25% of the letter value,
min. 50 EUR + VAT
Issuance of comfort letter without a firm commitment from the bank - in LEI
0,1% of the letter value,
min. 250 LEI + VAT
Issuance of comfort letter without a firm commitment from the bank - in EUR
0.1% of the letter value,
min. 50 EUR + VAT
Escrow Account
Escrow account management fee - in LEI
0,5% of the amounts received,
min 50 LEI / month
Escrow account management fee - in EUR
0.5% of the amounts received,
min 15 EUR / month
Bank drafts in foreign currency
Bank cheque deliveries
0.75%, min 10 Eur
Speze of recording, retrieval and remittance of bank drafts in foreign currency
1.50%, min. 40 EUR max. 300 EUR/cheque
NOTE:
NOTE: For checks ≥ 5.000 Eur, a special courier fee will be charged;
Cancelled cheques (on presentation of the original cheques issued by Banca Transilvania) or returned dishonoured (of cheques handed over for collection)
10 EUR/check
Commission stop payment
swift message commission
Other fees relating to documentary operations
SWIFT message fee
10 EUR
Operations with government securities
Relationship opening
75 LEI
Primary market supply intermediation
between 100.000,01 - 500.000 LEI
0,15%
between 500.000,01 - 1.000.000 LEI
0,10%
over 1.000.000 LEI
0,05%
on the secondary market
free
Pledge registration fee
150 LEI
Securities transfer fee (only for those leaving BT)
100 LEI/series
Commission current account securities
120 LEI annually, cashed monthly/balance account
NOTE:
In addition to the above fees, there are the fees charged by SAFIR (processing and settlement, notary service, centralized administration).
Fee for processing delivery-versus-payment transactions (sale/purchase, reverse transactions, execution of sale collateral)
3 LEI/bu
Fee for processing delivery transactions without payment (portfolio transfer, execution of collateral by appropriation, substitution of reverse transactions, margin call)
4 LEI/bu
Fee for processing payment events (coupon payment, interest payment, redemptions)
0,40 LEI/bu
Fee for primary market operations (including re-openings of issues)
10,50 LEI/bu
Fee for processing primary market results (including pre-changes)
0,40 LEI/bu
Fee for collateral processing (pledge registration, pledge substitution, disputed securities, pledge beneficiary transfer, pledge portfolio transfer, pledge release)
4 LEI/bu
NOTE:
Centralized administration fee applicable to the holdings of financial instruments for which SAFIR system acts as issuing CSD - calculated on a monthly basis.
1. A percentage shall be applied to the nominal value of the portfolio recorded at the end of each business day within the reference month, depending on the classification of the portfolio into value tranches, as follows: 0.00049% (≤ 500,000,000,000 Lei), 0.00048% (500,000,001 - 10,000,000,000,000 Lei), 0.00047% (>10,000,000,000,000 Lei).
2. The values thus calculated shall be aggregated at the end of the month and the result divided by the number of working days in that month.
Charges for transactions in financial instruments on international markets
Custody commission (CLEARSTREAM)
0.10%/year, charged monthly
Payment fees
25 EUR negotiable/payment
Amendment/cancellation fee
15 EUR/operation
Coupon redemption
15 Eur/operation
Tax reclaim
70 EUR/operation
NOTE:
NOTE:All fees are subject to VAT.
Fees set in EUR shall be charged in the currency of the transaction, at the B.N.R. conversion rate on the day of collection. They may also be charged in LEI equivalent or other convertible currencies, at the B.N.R. conversion rate on the day they are collected.
Fees set in LEI are only charged for transactions in LEI.
The fees retained by intermediary banks are charged to the customers who have ordered the foreign exchange transactions and are communicated to the customers as such:
- For collections for which the payers have chosen the "SHA" or "BEN" option, the fees of the intermediary banks are communicated to the customers and retained at the same time as the collection.
- For payments under SDR* made over the counter, the amount of these fees will be calculated and communicated to the customer in BT branches and agencies prior to any transaction.
- For payments under SDR* made via Internet banking, the amount of these fees is available to customers in the application used
- For non-DSP* payments, the fees of the intermediary banks shall be communicated to the customers and retained after the payment has been made and will be charged as such:
" In case of payments with the "OUR" option by the BT customer ordering the payment
" In case of payments with option "BEN" by the payee.
For foreign exchange payments that require amendments (e.g. mismatch between beneficiary name and account, beneficiary account and currency sent), in addition to the BT amendment/investigation fee, it is possible that the beneficiary bank /intermediary may charge an additional fee; in this case, the fee charged by the beneficiary bank /intermediary for the amended foreign exchange payment shall be communicated to the customers and shall be charged after the payment is made, as it is received by the beneficiary bank/intermediary.
In addition to the above conditions, transmission charges (e.g. telephone, fax, SWIFT, telex, post, DHL, etc.) will be levied where applicable.
Unless otherwise specified, all fees are charged following the transaction in question.
* PSD - Payment Services Directive :
- PSD payments - will include payments to PSD countries in PSD currencies
- SDR countries: Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Hungary, Croatia, The Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Sweden, United Kingdom. SDR currencies used at Banca Transilvania: EUR, Danish krone (DKK), Swiss franc (CHF), pound sterling (GBP), Norwegian krone (NOK), Polish zloty (PLN), Czech koruna (CZK), leu (RON), Swedish krona (SEK), Hungarian forint (HUF)
*SEPA - Single Euro Payments Area, SEPA countries, 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, Slovenia, Luxembourg, the Netherlands, Austria, Greece, Ireland, Italy, Cyprus, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, the Netherlands, Portugal, Spain and Slovenia;
- Non-euro area countries: Bulgaria, Czech Republic, Denmark, Denmark, Latvia, Lithuania, Hungary, Poland, Romania, Slovakia, Sweden, 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, Guadeloupe, French Guiana, Reunion, Gibraltar, Azores, Madeira, Canary Islands, Ceuta and Melilla and the Aland Islands.
The Bank reserves the right to change the fees and charges in this list. The new fees and commissions will be made available to clients in accordance with the provisions of Banca Transilvania's General Business Conditions applicable to Legal Entities.
The Bank reserves the right to charge the customer any fees applied by the National Bank of Romania or other banks involved in the processing of a given operation.
Risk-related fees will be charged in addition to the above-mentioned fees on a case-by-case basis.
In order to comply with European Community legislation, from 2007 onwards, some categories of commission will become liable to VAT. In the statement of account, the commission and the related VAT will appear as separate transactions and at the end of each month an invoice will be issued containing all the transactions liable to VAT for that month.
