BT Pay user guide

1. What is BT Pay?

BT PAY is a secure, mobile phone accessible software application with Internet connection. The BT Pay app can be installed from the App Store.

In order to benefit from BT Pay features, it is necessary to:

• Either you already have an established business relationship with BT (a current account with the bank), or you initiate a business relationship with BT directly via the BT Pay application;
• You own at least one BT debit or credit card, issued to an individual and/or legal entity, and you enroll them in the BT Pay application. You can also add cards issued by other financial institutions from Romania (issued in the name of or under the logo Visa/ Mastercard/ Maestro, per individual) with the help of which you can perform a limited number of operations, described in point 4 "BT Pay functionalities". Pay".

3. Accessing BT Pay

The app can only be used if the phone is secured by password, fingerprint or other method of security provided by the phone.

When registering with BT PAY, the user will be asked to set a security code for application (e.g. each time the application is accessed, the user will have to enter the security security code).

If the user has enabled the device unlock function on the phone by using the biometric data (e.g. Face ID, fingerprint), after defining the security code, the user will be authentication method by using the security code with the security method of the device. authentication using its biometric data.

The security code or, where applicable, the method of unlocking the device using biometrics, will be used/used each time the application is accessed, when authorising contactless payments, payments ATM withdrawals, transfers, additional card settings, as well as the authorisation of other options that require user authentication.

Following the registration, the application user can be classified in one of the following categories:

• client of the bank, natural person or
• card user.

Depending on the category to which he belongs, the BT Pay user will have access to all features BT Pay features, described in chapter 4 BT Pay features, or only some of them.

If the application user is only registered as an additional card user, the following functionalities will not be accessible: bill payments, credit line granting Overdraft, granting credit card, updating BT Pay data, activating Alias Pay service, add non-BT card.

At the same time, BT individual customers, BT Pay users, will be able to make a call to call initiated to/from the Call Centre to be identified via the BT Pay App, installed on the telephone number declared to the bank. Customers who opt for such identification, will receive a push notification sent to BT Pay, from where they can accept/refuse the identification, or identify themselves using the phone unlock method.

In the "Accounts" section you can add and view all your current accounts, regardless of their currency, opened at Banca Transilvania. Also, you can make transactions through them.

5. How to set a security code for BT PAY?

You can set the security code from the banner displayed on the main BT PAY application page, or at accessing the savings functionality.

6. How can I change the security code?

You can change the security code in the "Application settings" section of the "Security" menu.

7. I forgot the security code, what do I do?

In case you have forgotten your security code, click on the "Forgot your PIN?" button and you will be automatically redirected to the initial registration and verification process of your identity (accepting the processing of your personal data, taking a selfie required for validation, etc.). your identity. Upon successful completion of the identity verification process, you will be able to set a new security code.

8. How do I activate BT Pay in a Bt unit?

You can activate the Bt Pay app in any BT unit. If you are in a BT unit, go to the "Activate BT Pay in a BT unit" and enter the code given by the BT operator.

1. How do I add a card issued by BT to BT Pay?

Users can add the following types of cards issued in the name of a person to BT Pay natural or legal persons.

Users can add Banca Transilvania cards to BT PAY by entering the card details that they requested in the application:

Cards issued in the name of an individual can be enrolled and used in the BT Pay application even if the user has not entered the physical card. The user can take possession of the card card either by requesting it by courier or by collecting the card from the territorial units of Banca Transilvania within the term established in the bank's General Business Conditions.

Adding the card to the BT Pay application also requires its activation, if the activation has not already been done. previously made at a BT ATM. 

If the customer has added the card to BT Pay, they have activated it, but then take possession of the physical card, the card will need to be used in the following way:

• the card is reissued on expiry - the user must make a first payment with the physical card PIN change" operation from the ATM menu - "PIN administration". Within this operation he will be asked for the card's existing pin code and a new pin code, which can be the same as the existing card pin code. In the exceptional case that the user receives an error in the the "Change PIN" operation, the user sends a request to the bank to reissue the PIN. the bank to request a new uncommissioned activation code, after which it follows the standard card activation steps from the BT ATM.
• the card is newly issued or reissued on request - activation of the physical card at the BT ATM is required and setting a pin code for the issued/re-issued card.

2. I am an individual and I am not a BT customer. How do I apply for a card?

The card is automatically accompanied by a physical card. The ways you can issue them are:

• Online - you can open a 100% online account in minutes and apply for a card debit card. You will receive your IBAN account as soon as you have completed the action and you will be able to cash in this account. The card will be displayed in your card list within 24 hours and the physical card will be sent by courier. To open an account online, apply for a card and find out more about process, please visit the NeoCont page.
• BT unit - you can open an account and apply for a card at any BT unit Transilvania Bank. The card will be displayed in your card list within 24 hours, and you will receive the physical card. later in the unit where you made the request.

3. What operations can you do with the card from BT Pay?

You can do all the operations mentioned above in BT Pay functionalities, depending on the card you have and if you have been identified as an individual customer or as a user of card user. The transactions you have access to are described in chapter 2, BT Pay features. Pay.

If you are registered as a card user, the following functionalities will not be available access: bill payments, overdraft line of credit, credit card, update BT Pay data, activate Alias Pay service, add non-BT card.

Once you are in possession of the physical card and have activated it, you will be able to withdraw cash with your phone and from the bank's contactless ATMs, which requires the card to be in Apple Pay and entering the pin code at the ATM.

Also, cards that have expired and are automatically reissued by the bank allow card withdrawals from contactless ATMs, the pin code being the same as the expired card.

4. I did not receive the OTP code. What can I do?

If you did not receive the OTP code on your first try, you can select the option Return my code, option valid for 3 consecutive attempts. If you still don't receive it, you can contact us at any time to verify your phone number at 0264 308 028 or *8028, numbers that can be called from any national network, fixed or mobile

5. How do I know if the card registration was successful?

After entering the code received by SMS (OTP), if everything is OK you will see a screen of confirmation screen, where you will be told that the card has been successfully added.

6. The enrollment of the BT card could not be performed. What can I do?

If everything seems fine, but you still can't enroll the card, we advise you to check the following aspects:

• the card must be within the validity period;
• the required data are entered correctly;
• the OTP code entered is correct.

7. How can I delete a enrolled card?

You always have the possibility to remove a card from the application by accessing the settings of that card and using the Delete this card option. Afterwards, if you want to re-register it, you need to enroll it from the again. Deleting from the application does not mean blocking the physical card.

8. Can I enroll more than one card in the application?

Yes, you can enroll multiple cards in BT Pay. From the main application screen, click on the symbol in the top right and follow the card enrolment process.

9. Is the actual card data stored in the phone?

The application only saves the last 4 digits of the card number, expiry date and cardholder name cardholder. It never saves the full card number and its CVV.

10. What is the authorisation method for transactions carried out via BT? Pay?

Transactions will be authorized by the phone's security/unlocking method: password, fingerprint, pattern or another security method offered by the phone.

11. I had to block my physical card. I can still use the card in the app for payments?

If you block the physical card, you will not be able to use it for payment from the application either.

12. How long is the enrolled card valid? It is connected with the card card?

If your physical card expires, you will not be able to use it in BT Pay either.

13. Can I enroll my card on more than one devices?

No, you can't roll up the card on multiple devices. A card can only be enrolled in one device.

14. What happens if my physical card expires and I change it?

If we have identified you as a bank customer, we will bring it to your card list area to add it. It will be available in this list in the second half of the month in which the card expires;

You will follow the add-on steps and you will confirm by entering the code received by SMS.

15. Can I change my card name? 

You can change the name of the card to identify it more easily. From the card settings (option available at card - Card Settings option), select the "Change card name" option and edit it.

16. I had to block the card in BT Pay. I can still use the card physical card?

If you block the card from BT Pay, you will not be able to use the physical card either.

17. How do I invite a friend to BT Pay?

The BT Pay "Invite Friends" feature is periodically available in BT Pay. You will be able to access this functionality as long as you have been identified as a customer of the bank and you have added at least one card BT card in the BT Pay application.

18. How to add a BT Direct card to BT Pay and transactions allowed? 

You will be able to add cards issued by BT Direct by manually adding the card data, i.e.: number card number, first name, expiry date, CVV code (3-digit code on the back of the card) and authenticating the add operation by entering the OTP code received on the phone number registered in the card-issuing institution's system.

After registering the BT Direct card, the user will be able to use it for the following purposes operations: contactless payments at merchants, card balance, viewing the card history, etc. transactions made with the card, enrolling cards in the Apple Pay solution (for users of iOS devices), authentication (approval or rejection, as appropriate) online payments via BT Pay.

19. The physical card has been blocked. Can I still use that card in BT Pay?

If the physical card is blocked, you will not be able to use it from the application either.

20. How can I repay the instalments on an instalment transaction from BT credit card?

If you wish to repay the amount blocked for credit card payments, you can access the option under the instalment transaction details screen. The blocked amount will be debited in full from your account, check your next month's payment obligation. Make sure you deposit the necessary funds to repay the instalments by the rollover deadline.

21. What is Round-Up? 

Round-up is a savings service for individuals, customers of Banca Transilvania, which can be activated from the BT Pay application. The condition for activating the service is the existence of a card attached to the current account added to BT Pay. This involves rounding up each transaction payment transactions made with the card, up to a selected multiple which can be: 1 leu, 5 lei or 10 lei.

22. How do I save through Round-Up?

Saving through the Round-up service involves rounding up each payment transaction made with debit card up to a selected multiple. Once the service is activated, you will choose the step of desired rounding step, namely:

• Rounding step up to 1 leu: in case of a payment of 3.5 lei, the rounding will be done to 4 lei, then 0.5 lei will be transferred to the Round-Up service account.
• Rounding step up to 5 lei: in case of a payment of 3.5 lei, the rounding will be done to 5 lei, then 1.5 lei will be transferred to the Round-Up service account.
• Rounding step up to 10 lei: in case of a payment of 3.5 lei, the rounding will be done to 10 lei, then 6.5 lei will be transferred to the Round-Up service account.

23. How much does it cost to use Round Up functionality?

The Round-Up service is free of charge and will not have any associated costs.

24. How do I activate Round-Up?

The service can be activated via the BTPay application. Activating the service via BTPay will be done by following the steps: "Card details" -> "Card settings" from where you choose the option "Save with Round-Up".

25. How do I change the Round-Up rounding step?

The rounding step can be changed via BTPay by following these steps: from the "Details" menu card" -> "Card settings" -> "Save with Round-Up" from where you choose the option "Settings Round-Up".

26. How do I quit the Round-Up service?

The Round-up account can be deactivated by following the steps: menu "Card details" -> "Card settings" -> "Save with Round Up" -> "Deactivate Round Up"

27. How do I access the amounts saved through Round-Up?

Amounts saved through the Round-Up service can be accessed at any time by transferring them from dedicated "Round-Up" account into one of the current accounts in lei held with BT. Transferring money to current account can be done through the BTPay application: menu "Card details" -> "Card details" -> "Card details" -> "Card details". "Card settings" -> "Save with Round Up" -> "Transfer money". Also, the balance account balance can be viewed at any time in BTPay, while the transaction history can be viewed at any time. viewed with the account statement.

28. What payments are accepted for Round-Up rounding?

Eligible rounding payments are transactions made with the debit card or by wallet:

• Payment by card made at a BT POS or any other bank;
• Payments made online using the card;
• Card payments at pos made with the phone, using - BTPay, ApplePay or GooglePay.

Attention! Payments made from overdrafts and transfers made from current account (scheduled or unscheduled), debit card cash withdrawals or bill payments to ATM will not be rounded up.

29. Is the Round Up account a bearer of interest?

The Round Up account is interest-earning. The interest rate is visible in the Round Up section. Up section. The interest rate on the account is variable and interest is paid monthly, on each anniversary, by crediting the Round Up account

30. What is a virtual card, to which account is it attached and who is it for? offers?

The virtual card is a functionality offered by Banca Transilvania that allows users who are individuals, holders of a personal account, to request the issuance of debit cards from the BT Pay application. in lei and euro. The issuance of the virtual card will be done instantly and the new virtual card will be immediately displayed in BT Pay. The user will be able to select one of the available images for the card design virtual

The Virtual Card will be attached to a new account automatically opened in lei or euro via the payment.

31. How do you request the issuance of a virtual card?

You will see the virtual card option in BT Pay or by accessing the add card option on the main application screen, where you will have the "Virtual" option available.

32. What can be done with a virtual card?

You will be able to use the virtual card from BT Pay for the following types of operations:

• internet transactions;
• POS transactions;
• transfers except alias pay transfers;

Also, after performing an additional validation using the code received by SMS, by via BT Pay, you can access other functions of the virtual card, such as: setting daily transaction limits on virtual cards, temporary blocking and unblocking or blocking of virtual cards. locking of these cards.

The fees and commissions, as well as the trading limits are displayed on the https://www.bancatransilvania.ro/wallet-bt-pay/lista_taxe_si_comisioane_btrl_ro.pdf page.

33. Are there any costs for the virtual card? How many virtual cards can issued?

Virtual cards have no issuing fee.
A maximum of 3 virtual cards can be issued, as follows:

• 1 Visa Virtual Untold card
• 1 standard Visa Virtual card
• 1 Visa Virtual Euro card

34. There is the possibility to load a PrePay card in Bt Pay?

If you are a BT Pay user you can charge a phone card (prepaid) for phone numbers from providers available in the application (Orange, Vodafone, Telekom) by inserting the phone number of the for which you want to charge. The user is aware that these transactions are irreversible.

35. Is it possible to view information about a loan on I have with BT in BT Pay?

If you are a user of the application identified as a customer of the bank, a natural person, holder of a account holder, you can view in BT Pay, in the "Loans" functionality, details about your credit products, your non-card credit products held at Banca Transilvania (e.g. due date, payment amount, payment schedule, etc.). repayment schedule, any amounts due, insurance policies attached, commissions, any delays)

1. How do I add a non-BT card to the app?

You can also add a non BT card in the BT Pay app, after you have enrolled at least one BT card. Non BT cards are cards issued by other financial institutions in Romania, under the Visa, Mastercard or Maestro logo, enrolled in the 3D Secure service.

The option to add a non BT card is only available if you have been identified as a personal customer of the bank and you have at least one BT card added to BT Pay.

By selecting the symbol on the top right, you will choose the option "Add card from another bank" and enter the following data: card number, name and surname of the cardholder (as they appear on the card), date card expiry date and the CVV code (3-digit code on the back of the card).

Authentication of the non-BT card transaction via the 3D Secure service is applied by the issuing institution to the card issuer.

After enrolling the non-BT card in BT Pay, you will have the possibility to access the Open Banking option, which will allow you to view financial information from other institutions for 90 days financial institutions with open accounts. After this period, you will be able to re-authorise access to data for a similar period.

In case of accessing the Open Banking functionality in BT Pay, the user of the application will also be subject to the Terms and Conditions. Conditions specific to this option.

2. Can I change the card name? 

You can change the name of the card to identify it more easily. From the card settings (option available at card - Card Settings option), select the "Change card name" option and edit it.

3. How do I know if the non-BT card was enrolled with successfully?

After entering the code received by SMS (OTP), if everything is OK you will see a screen of confirmation screen, where you will be told that the card has been successfully added.

4. The enrolment of the non-BT card could not be carried out. What can can I do?

If everything seems fine, but you still can't enroll the card, we advise you to check the following aspects:

• the card must be active during the validity period;
• the required data are entered correctly;
• transaction authentication is performed in accordance with the 3D Secure standards it applies the issuing institution of the respective non-BT card.

5. How can I delete a non-BT enrolled card?

You always have the possibility to remove a card from the application by accessing the settings of that card and using the Delete this card option. Afterwards, if you want to re-register it, you need to enroll it from the again. Deleting a card from the application does not mean blocking it.

6. Can I enroll more than one non-BT card in the application?

Yes, you can enroll multiple cards in BT Pay. From the main screen of the application, click on the icon in top right and follow the process to enroll your card, called "Add card from another bank".

7. What operations can I do with a non BT card?

You will be able to transfer money:

• to your BT cards in the app;
• to another BT Pay user, the acceptance of the transaction and the cashing of the money being possible only on a BT card.

This card will not allow the following types of transfers: accepting money sent from another card BT or from another BT Pay user, requesting money and sharing the cost.

After choosing the desired transfer type, you will enter the transfer amount in lei and the details details. In the next step, you will be informed of the BT fee for processing this transfer and on that the issuing institution of the respective non-BT card applies.

There is the possibility of applying fees related to this type of transfer by the bank issuing the card, so please check this information with the issuing bank.

The beneficiary is notified by an SMS about the amount waiting for collection. The SMS message is sent to the phone number you select. The SMS contains a link that:

• If the beneficiary also uses the BT Pay application (the application is installed on the device with the phone number on which the SMS was received), it will open the transfer from the application. The user can view the transaction details directly in the dedicated screen;
• If the beneficiary does not use the BT Pay application (and therefore the application is not installed on the phone), the link received by SMS message directs him/her to the App Store, where he/she can download the app. Once the app is installed and the user has registered at least one card BT card, accessing the link will open the transfer operation and the beneficiary will view the details transaction details.

The beneficiary may:

• Accept the transaction on a BT card, in which case the bank transaction (cashing) is carried out; In In this case, the user will also select the BT card on which he wants to cash the amount of money;
• Let the transfer expire. The transfer is valid for 48 hours for transfers initiated by cards issued under the Mastercard logo and 23 hours and 30 minutes for transactions initiated from cards issued under the Visa logo, in case of expiry the amount will be returned to the card account on which the card was issued. the transfer was initiated after the time limit has expired.

As the Initiator of the operation (payer) you will be notified by a notification received on phone from which you initiated the transaction:

• If the beneficiary does not install the application successfully or is not a customer of the Bank Transilvania Bank, the payment operation will not be honoured, the transfer will expire in 48h for transfers initiated from Mastercard cards or 23 hours and 30 minutes for transfers initiated from Visa cards, at which time the money is returned to your account. There is the possibility to cancel the transfer by the initiator, in which case the amount is returned to your account as soon as possible. card account from which the transfer was initiated.

SMS notifying the beneficiary that a transfer is pending for collection contains the following information: the name of the card from which the transfer is initiated (first and last name of the cardholder, as filled in when the card was added to the application) and the amount of the transfer initiated.

8. How long does it take for the transfer to take?

Transfers are processed instantly.

9. Where can I view transfers made through the BT app Pay?

You can view the transfers, as well as their status in the Transfers section.

10. There are limits on the amount of card transfers non-BT cards?

Yes, transfers from non BT cards based on phone number (sending money, transfers between own cards) are limited by daily thresholds per card, both in number and value, such as and by monthly thresholds per card.

The limits for such transactions can be by clicking on the link dedicated to them.

11. Are there any fees and fees for transfers?

Consult the list of fees and commissions charged by BT .

There is a possibility that these transfers will be commissioned by the issuing financial institutions.

12. Can I make transfers with cards issued in other currencies?

If the card used in BT Pay is issued in a currency other than lei, at the time of debit transaction from the account to which the card is attached, the card-issuing bank may make an exchange between the value of the amount transferred and its value in the currency of the account to which the the card is linked, in accordance with the contract concluded between the card-issuing institution and the Cardholder.

13. What happens if my physical card expires and I change it?

If you change your physical card you will need to enroll it again in the application.

14. How long is the enrolled card valid? It is connected with the card card?

If your physical card expires, you will not be able to use it in BT Pay either.

15. I had to block my physical card. I can still use the card in the application?

If you block the physical card, you will not be able to use it from the application either.

16. What information can I view through the Open functionality? Banking functionality?

You can view the following information: non-BT card balance / non-BT card account balance account, the IBAN account of the selected card, the transaction history list of the payment accounts including the following details: transaction date, transaction amount, transaction details, transaction amount transaction.

1. How do I pay with my phone?

Due to restrictions imposed by the manufacturer, the iOS operating system does not allow the use of NFC by third party applications, and therefore implicitly payment with the phone. However, as of 26.06.2019 Apple Pay through which you will be able to make the contactless payments you want directly with your phone via the Apple Pay app.

2. What do I need to use Apple Pay?

To use Apple Pay you need an Apple device with the latest version of iOS, watchOS or macOS and the BT card that will be added to the app.

3. How do I add a BT card to Apple Pay?

You can add cards to Apple Pay directly from BT Pay. Click on the "Add to Apple Wallet" button in main page for each card you want to add.

You can also add cards from Apple Pay wallet, access the "+" option, insert the card manually or scan with the camera, then confirm the addition.

4. Where can I pay with my iPhone/ Apple Watch?

Payments can be made at any post office in the country or abroad that accepts contactless payment. Payment is also can be made in mobile apps or Safari, where Apple Pay is accepted as a payment option.

5. What are the transaction limits when paying with my BT card and Apple Pay?

Payment limits differ depending on the type of card you have. The amount of payment made with phone is included in the merchant payment limits set on physical cards. Change transaction limits can be done from BT Pay.

6. Can I make money transfers with Apple Pay?

Transfers via Apple Pay are not possible, they can be made through BT Pay

7. What are the cards that can be enrolled in Apple Pay?

In the application, all types of card issued by BT can be enrolled.

8. Am I charged on apple pay payments?

Payments made with Apple Pay are not commissioned.

9. Can I see my account balance in Apple Pay?

The balance can be consulted in the BT Pay application.

10. Are apple pay payments secure?

Payments are secure, each payment must be confirmed with fingerprint, face ID or password.

11. How do I change my main card to Apple Pay?

There are two options to make this change:

• iPhone or iPad: settings > Wallet & Apple Pay > Default Transactions > Default Card - se select the new card here;
• Wallet, you press the card and move higher, choose the first card with drag and drop.

12. How do I change the main card in BT Pay?

The user can change the order of cards within the BT Pay application. The button button within the BT Pay application in the top left corner, at which point the list of of cards added to BT Pay.

The user can change the position of his cards (both BT and nonBT cards) by long pressing on the card and drag & drop it to the desired position.

13. How do I pay with a card other than the one set as the main card in Apple Pay?

• iPhone X or later models: double-click the side button on the phone. When it displays the main card (Default) is displayed on the screen, tap to select it and then select the BT card with which you want to pay, log in via Face ID and bring the phone close to the pos;
• iPhone 8 or older models: bring the phone closer to the pos without pressing Touch ID. When main (Default) card appears on the screen, you tap it and then select the BT card with the you want to pay and log in with Touch ID to make the payment;
• Apple Watch: double-click the side button. When the main card (Default) is displayed on the screen, swipe (right or left) to select another card enrolled in Apple Pay and move the watch closer to the pos to make the payment.

14. How can I delete a card from Apple Pay?

Follow the following steps depending on the device owned:

• iPhone or iPad: go to Settings menu > Wallet & Apple Pay section > select tap the card you want to remove from Apple Pay and press the Remove this card button;
• Apple Watch: select Wallet on the Home Screen of the Apple Watch, tap on the card that you want to use. you want to delete from Apple Pay and press the Delete button.

15. What are the risks of losing the device we installed Apple Pay?

In order to use Apple Pay you need to authorize each transaction made through Apple Pay with a enrolled BT card via Face ID, Touch ID or password.

Apple Watch devices feature Wrist Detection, which, when enabled, forces the user to enter their password every time they put the Watch on their hand. These features prevent the possibility of people other than the user using Apple Pay on the iPhone, iPAD, Apple Watch or Mac.

In case of loss/theft of a device with BT cards set up in Apple Pay you need to access Apple ID account page or use the Find My iPhone feature to suspend or delete your permanently suspend or delete the ability to make Apple Pay payments with the lost device.

On the Apple ID account page, select the device after sign in. In the information displayed, select the Apple Pay section and click Remove or Remove all. The card or cards will be suspended or removed from Apple Pay, even if the device is offline or not connected to a phone network network or Wi-Fi network.

You can also call the card issuing bank in case of loss/theft of the device to suspend or delete cards from Apple Pay.

16. In order to pay, do I need to have the NFC function turned on?

Yes, you will only be able to make payments via the Apple Pay app if the NFC function in the settings is turned on.

17. Where and how can I see my transaction history with my phone mobile phone transactions?

Tap the desired card and you will be able to view in BT Pay the transactions made with the BT card.

You can also view the available BT card balance for any card enrolled in BT Pay, both in card currency and in points for STAR credit cards.

Moreover, for BT credit cards added to BT Pay, you can see the current turnover and the turnover minimum and maximum turnover required by the 25th of the month, as well as the credit limit and credit used.

18. I can't pay, but everything seems fine. What can I do?

If everything seems fine, but still you can not pay, we advise you to make sure of the following aspects:

• If you have valid and successfully enrolled BT cards in Apple Pay;
• If everything seems fine, but you still can't pay, we advise you to make sure of the following aspects;
• If your phone case is not too thick and blocks NFC waves. Try removing the case or the POS from a different angle;
• If you have an internet connection;
• If the error appeared on the POS does not indicate the exact problem;

>If you have checked all of the above and the payment still does not work, contact us on 0264 308 028 or *8028, numbers that can be called from any national network, fixed or mobile.

19. Where can I see details of installment transactions without interest

The option is available in the Credit Info tab, section Installment Transactions. You will initially see a summary list of installment transactions with the following details:

• Merchant name;
• The equivalent of the monthly installment;
• The number of installments left to be repaid.

When accessing each transaction, more details on the transaction in instalments will be displayed, these being:

• Type of transaction;
• Name of trader;
• Initial date of the transaction;
• The value of the initial transaction in installments;
• Number of transaction rates;
• The amount currently blocked in installments.

1. How do I withdraw money from atm based on a code?

You can withdraw money from ATMs without a card and without a phone, based on a code generated from the BT Pay app. Access the Withdraw cash option, choose the card from which you want to withdraw money*, select the amount you want and the phone number to which you want to send the code for the operation. The phone number can be selected from the phone book or entered manually.

You will be informed of the withdrawal fee and confirm the transaction by entering your password. the phone unlock password. The code-based cash withdrawal fee is the same as the used when withdrawing cash with a physical ATM card. The money will be blocked and returned in account if the transaction is not completed within 60 minutes.

Within 60 minutes of generating the code, go to any BT ATM, select the Cash option without card on the ATM screen, enter the code received by SMS and the amount.

*the option is valid only for BT cards issued in the name of individuals, with the exception of the meal voucher card which is not does not allow cash withdrawal from ATMs.

2. How long is the code valid?

The code is valid for a period of 60 minutes from the moment of its generation.

3. Can I regenerate or reuse the code?

As soon as the code is sent by SMS, it will no longer be available for viewing in the application. Only one use of the code/transaction is allowed.

4. Are there any fees and commissions?

The fee for withdrawing cash by code is the same as the fee for withdrawing cash with a physical or contactless card and can be found for each card on the Bank's website Transilvania website.

The user is also informed about the code-based cash withdrawal fee, in application before the transaction is confirmed.

5. Are there any limits on withdrawals?

Yes, code-based cash withdrawals are limited by daily thresholds on the card, both in number and and value:

• a limit of maximum 3 codes generated daily, for each BT card enrolled in BT Pay;
• a minimum limit of 10 lei / transaction;
• a maximum limit of 500 lei / transaction.

6. Where can I view my cash pickup history?

Completed cash pickups can be viewed in the transaction history in the Card Details.

7. What data does the transmitted SMS contain?

The SMS sent by BT contains only the code related to the transaction.

8. How can I cancel the operation?

The operation can be canceled by calling the BT Contact Center service, phone numbers:

• *8028 Callable from any network national, fixed or mobile, 24/7 support;
• 0264 308 028 Call from any network, including international, 24/7 support.

9. I can't complete the operation, what can I do?

If everything seems fine, but you still can't complete the cash withdrawal operation based on the code, we advise you to check that the data entered at the ATM is correct.

1. How do I send money through the BT Pay app?

You have 2 options for sending money through the BT Pay application:

1.1 Money transfer to a BT individual customer who has the BT Pay application, based on telephone number.

You can transfer money through BT Pay to another BT individual client by following the following steps:

• You select the transfer option, respectively Send Money;
• Select the person you want to send money to, from your phone's address book;
• Enter the amount of money to send and the details of the transaction;
• You give your agreement on the operation and the bank fee applied, by confirming the operation;
• Authorize the transaction by entering the unlock password of the phone.

The beneficiary (also a client of Banca Transilvania) is notified by SMS about the amount pending collection. The SMS message is sent to the phone number selected by you. The SMS contains a link that:

• If the beneficiary also uses the BT Pay application (the application is installed on the device with the phone number on which the SMS was received), it will open the transfer from the application. The user can view the transaction details directly in the dedicated screen;
• If the payee does not use the BT Pay application (and therefore the application is not installed on the phone), the link received by SMS message directs him to the App store, where he can download the app. Once the app is installed and the registered user / cards enrolled, accessing the link will open the transfer operation and the beneficiary will see the transaction details.

The beneficiary may:

• To accept the operation, in which case the bank transaction (collection) is carried out; In this case, the user will also select the card on which he wants to cash the amount of money;
• Let the transfer expire.

As the Initiator of the operation (payer) you will be notified by a notification received on phone from which you initiated the transaction:

• If the beneficiary does not install the application successfully or is not a customer of the Bank Transylvania (who can benefit from and use the BT Pay application), the payment operation is not honoured, the transfer expires in 48h, at which time the money is returned to your account;
• If you wish to cancel the transaction, you may do so before the beneficiary of the transaction has accept.

In the case of transfers based on the phone number, the user has the possibility to set a card card directly from the card settings, an option which then allows automatic collection of the the chosen card, without the need to accept money by opening the card and then transferring it to the user of the link sent by SMS, followed by pressing the "Accept money" button.

1.2 Transfer of money to any customer of a bank, BT or other bank, on the basis of IBAN

You can transfer in lei through BT Pay to BT or other bank customers, individuals or companies, using the Transfer via IBAN option. IBAN transfers are allowed from BT debit cards, attached to current accounts in lei.

You can choose to make a payment to a customer of another bank - instant (to banks that have joined the Instant payment system), normal or urgent. Depending on the payment method chosen, the money will be received by the counterparty:

• Instant – in a few seconds, 24 / 7;
• Standard – in maximum 24 h, from Monday to Friday;
• Emergency – on the same day, from Monday to Friday, if you initiate the transfer until 15:00.

If you choose the payment to a BT client, the transfer will be instant, 24/7.

Fees and related trading caps transfers.

2. How do I request money through the BT Pay app?

You can request money from an existing person in your phonebook or by manually editing the phone number, by following these steps:

• Select the Request money option and then select from the phonebook the contact from which you want to receive the money. you want to request money;
• Enter the amount of money to be received and the details of the request;
• You give your agreement on the operation and the bank fee applied, by confirming the operation;
• Authorize the transaction by entering the unlock password of the phone.

The payer (also a client of Banca Transilvania) is notified by SMS about the amount in waiting for payment. The SMS message is sent to the phone number selected by you. The SMS contains a link that:

• If the payer is also using BT Pay (the application is installed on the phone), open the transfer operation in the application menu. The user can view the details of transaction details directly in the dedicated screen;
• If the payer does not use the digital wallet (and therefore the application is not installed on the phone), the link received via SMS directs the user to the App Store, where they can can download the app. Once the app is installed and the registered user/card enrolled, accessing the link will open the transfer operation and the payer will see the transaction details.

The payer can:

• To accept the operation, in which case the payment is made;
• To let the payment request expire;
• To refuse the payment request with the addition of the reason for the refusal.

As the Beneficiary and applicant for the operation, you will be notified by a notification of the action the payer. If the payer does not successfully install the digital wallet or is not client of Banca Transilvania (which can benefit from and use the digital wallet), the operation will not be the transfer request expires in 48h.

3. How long does it take for the transfer to take? 

Depending on the type of transfer you choose:

1. Sending or requesting money to/from a person who has BT Pay installed - instantly, after confirmation from the payee / payer. This option is performed on based on the phone number

2. Transfer between own cards – instant

3. Transfer via IBAN:

• Instant - in seconds, 24/7. This type of transfer is possible between participating banks Instant Payments technology. If the customer belongs to a bank that has joined this technology, the Instant option will also appear;
• Standard – in maximum 24 h, from Monday to Friday;
• Emergency – on the same day, from Monday to Friday, if you initiate the transfer until 15:00.

4. Are there any limits on the amounts for transfers?

Yes, transfers by phone number (sending money, requesting money, transfers between own cards) and IBAN transfers are limited by daily thresholds per card, both in number, and value:

• for transfers in RON: minimum 5 lei / transaction, maximum 4.000 lei / day / card, maximum 20 transfers / day / card
• for transfers in EUR: minimum 5 EUR / transaction, maximum 800 EUR / day / card, maximum 20 transfers / day / card

5. Are there any fees and fees for transfers?

The fees for transfers are:

• debit card payments made by phone number are free, whether they are to other BT cardholders or to the credit cards of your choice. own cards;
• payments made from credit cards, both to own cards added to the application, and and to other BT cardholders are charged 2% of the transfer amount, min 2.5 lei;
• IBAN-based transfer fees can be by clicking on the link to this point.

See the full list of application fees and charges BT Pay.

6. Where can I view transfers made through the BT app Pay? 

You can view transfers and their status in the Transfers section. Transfers transactions you will also see them in the transaction history in Card Details.

7. How do I transfer money between my own cards registered in application

You can transfer money between your own cards enrolled in the app. Transfers between own cards are only possible if the card accounts are different. Transaction authorization is by entering your phone's unlock password.

Transfers between own cards involving non-BT cards are only possible in case of initiation transfer from a non-BT card to a BT card.

1. Can I view my card balance?

You will be able to view the available card balance for any BT card enrolled in BT Pay, both the one in card currency and in points for STAR credit cards.

2. What card details are available?

For BT cards successfully enrolled in BT Pay you can view the following card details respectively:

• The name of the cardholder that is identical to the name inscribed on the physical card;
• The name of the card, the one that was declared at the time of enrollment of the card in BT Pay;
• The last 4 digits of the physical card;
• Card number and CVV code, after a revalidation of the user;
• The expiry date of the physical card;
• Card currency;
• Swift BT code;
• The IBAN account attached to the respective card. You can also distribute it via messaging applications installed on your phone

3. What types of transactions can I view in my transaction history? transactions? 

You can see the transactions made for any of the BT cards added to BT Pay, for example: ATM cash withdrawals, deposits at BT ATMs, payments at merchant POS terminals, Internet payments, payments with the BT Pay app, instalment transactions, STAR point transactions, transfers (sending or receiving money) made via the BT Pay application, certain certain types of credit. You will also be able to view the expenses made with the cards enrolled in application, grouped by expense category.

4. How can I view the card number and the corresponding CVV code for cards issued by BT, enrolled in the application?

You will have access to your card number and CVV code information in the relevant section of Settings - Card details, so you can easily make payments online.

Access to this setting is allowed only after validating the user's right to access it. functionality. In this regard, for each card for which you want to use this functionality, an SMS-OTP will be sent to the telephone number declared to BT. By entering the code received by SMS on this telephone number, it is possible to obtain this information for card until it is deleted from the BT Pay application.

The data will be displayed on the page for only a few seconds.

5. What is the BT Pay option for categorised tracking of purchases made with BT cards?

BT Pay will automatically group all your card transactions into domains, so you can track your spending. This way, you will see exactly how much cash you have used (in the Cash category), how much you have utilities, how much you spent on going out with friends (in the Restaurant category) or how much you spent on cost you that delicious dinner you cooked yourself (in the Supermarket category).

6. I have a STAR credit card. I can find out and pay my monthly obligations by payment obligations? 

>If you have enrolled a BT credit card issued to a natural person, you will see the minimum amount required. payment, the amount deposited, the amount remaining to be paid until full repayment of the credit committed in the month previous month, as well as the credit limit granted by the bank. Also, in order to be able to pay the payment obligation you can:

• set automatic payment of monthly obligations (minimum and maximum payment amount) from the current account of the cardholder's current account, which will be paid on the due date. If the due date is a day, the monthly payment will be debited on the previous working day. In the case of if you have several current accounts, the first account opened at the bank will be debited;
• replenish the credit card at any time with the minimum or maximum payment amount from any card enrolled in the BT Pay application.

If the card is loaded or the automatic payment option is set outside the Monday to Saturday, 09.00 - 19.00 or on non-working days, the registration of the option will be made on the next working day. Thus, if such an operation takes place on the due date (25th of each month) of a non-working day or outside the above interval mentioned, the user understands that the monthly payment obligation will not be made on time.

7. Card Benefits

Select the card you want, enter the card settings and you will be able to see what additional benefits you will get. your BT card brings

8. How do I set card transaction limits card? 

BT Pay app allows you to change transaction limits on BT cards enrolled in BT Pay and physical cards, as well as blocking/unblocking them temporarily or permanently. Access to these settings is allowed only by entering the code received by SMS on the phone number registered in bank records.

Once the validation is done, for each card added to the application, you have unlimited access to these cards. options.

You will be able to set, for each card, daily limits, in a maximum amount set by the bank on type of card, for a period defined by you, but not exceeding 90 days. The limits can be set through the BT Pay application refer to:

• number of online and offline transactions;
• the maximum amount that can be withdrawn from the ATM;
• card payments in stores;
• online payments with CVV;
• online payments without CVV.

How do you change these parameters? Select the card for which you want to make changes, and then press the Card settings button.

The transaction limits set through the BT Pay application affect the physical cards.

9. What transactions can I do with my BT company card through BT Pay? 

If you have a card issued on the name of the company, you can perform the following operations:

• Contactless payments at merchants with the card added to Apple Pay;
• Authentication of online payments;
• View the history of card spending and group it by categories;
• Temporary and permanent blocking of the card, enrolled in the application, as well as of the physical one;
• Viewing the card details: card number, expiration date, CVV code;
• Viewing the benefits of cards added to BT Pay.

10. How do I have access to BT Pay offers and Moving Prizes?

BT Pay gives you the possibility to receive offers in the app, view, save or activate them. Offers can be:

• shopping offers, for example: offers from partner retailers enrolled in the STAR programme, either for all card users or only for users of a certain type of card, and offers from Banca Transilvania. The offers can be exclusive, intended for BT Pay users or can be general offers intended for all users of certain types of cards issued by Banca Transilvania;
• prizes on the move, including special offers depending on the user's physical activity performed with physical activity monitoring applications and/or based on other criteria established within each offer, e.g. payments made with BT Pay, by card, by credit card, by bank transfer or by sticker, etc.

This section can be accessed by adding your physical activity monitoring account in BT Pay application. In order to unlock the offers and therefore benefit from their advantages, you must respect the requirements and thresholds mentioned in each offer, synchronise your bracelet with application until the end of the period mentioned in the offer and to have at least one debit card BT card issued in your name or registered in the BT Pay application. Also, in this section, you will be able to view information about your physical activity, for example: number of steps, number of kilometres covered, activity period.

If you access this section, you also agree to be bound by the Terms and Conditions and the Privacy Policy. Privacy Policy of the respective application and services. In order to view offers, you must have an Internet connection.

11. How do I access personal data updates in BT via BT Pay application?

When accessing this feature you will be able to update some of your personal data necessary for the bank to apply the customer knowledge measures in the BT application Pay application.

You will be able to authenticate online transactions made with your 3D Secure-enrolled BT card from the BT Pay app. You will use one of the biometrics (facial recognition or fingerprint) or another method existing phone security method.

In order to authenticate online transactions with BT Pay, it is necessary that the enrolled cards also allow authenticate these transactions.

1. How do I enroll a BT card in 3D Secure BT Pay?

Following the registration process, enroll the card in 3D Secure for online payment authentication with BT Pay will be done automatically when the card is added to the application. It is possible that in some situations manually activate the option in the Card Settings, in which case you will confirm the activation of the option by entering the OTP code received by SMS.

2. The enrollment of the BT card could not be performed. What can I do?

If you received an error when enrolling your card in 3D Secure BT Pay, you can restart the process in Settings Card Settings.

3. I did not receive the OTP code. What can I do?

If you didn't receive the OTP code on your first try, you can select the option Return my code, option valid for 3 consecutive attempts. If you still don't receive it, you can contact us at any time to verify your phone number at 0264 308 028 or *8028, numbers that can be called from any national network, fixed or mobile.

4. How can I unsubscribe from 3D Secure BT Pay? 

In order to opt out of this online payment authentication method, it is necessary to delete the card from the BT Pay application. Once the card is deleted, you will authenticate transactions using 2 passwords. Iti we recommend that you keep the authentication of online transactions via BT Pay.

5. How do I authenticate BT Pay online payments?

Following an online transaction on a 3D Secure website you will be asked to authenticate / rejection of that payment. In the authentication/rejection message the following information will be displayed to the user: the card from which the transaction was initiated, the name merchant and the amount.

You will be able to authenticate the transaction via the phone's unlock method. You have 5 minutes to authenticate or reject the transaction. You will then return to the merchant's website to complete order.

❗⠀ Transaction authentication does not mean completion. To make sure your payment is complete, you will return to the merchant page to see the status of the transaction.

❗⠀ Make sure you have General notifications enabled. You can check from the Notifications menu - Notifications settings. If you have enrolled your card in more than one application, you will receive notification on each device.

❗⠀ Enrolling the card in 3D Secure BT Pay system requires authentication of online transactions with the app only. You will no longer receive OTP SMS to validate these types of transactions. Internet access is required.

With your permission, the payment confirmation screen can be displayed automatically, without having to access the notification or the app, and you can confirm or cancel the payment using the phone's unlock method. This permission will be requested after the first confirmation of an online payment or can be set from the advanced phone settings - apps section - BT Pay app.

6. What options do I have when authenticating online transactions?

When you initiate an online transaction you will have the following options:

• Approval of the transaction;
• Rejection of the transaction;
• Closing the transaction. In this case the transaction can be authenticated via other BT Pay applications from which online authentication was allowed.

7. How much time do I have to authenticate these transactions?

From the moment you initiate the online transaction you have 5 minutes to authenticate or reject the transaction.

8. Can I authenticate transactions in other ways?

Once your card is enrolled in 3D Secure BT Pay you will be able to authenticate online transactions made with your card card via the BT Pay application. You will no longer need to enter 2 passwords like before.

9. I blocked the physical card. I can still authenticate payments online?

If you block the physical card, you can no longer use it for online payments. In such cases, it is no longer notifications can be generated for online payments.

10. What information is visible in the login screen of the payment?

When initiating an online payment, a notification will be sent via the BT Pay app. to all devices where the cardholder has enabled the authentication functionality of online payments. All these devices will be displayed with the following information the transaction: the card from which the transaction was initiated, the name of the merchant to which the transaction was initiated the transaction and the amount of the transaction.

1. What is Alias Pay and who offers it?

Alias Pay is a payment service offered by Banca Transilvania in collaboration with Transfond and with other banks in Romania that have joined the "SPL" payment scheme - Standardised Proxy Lookup, (hereinafter "participating banks"). This service will allow you to receive on the basis of your telephone number amounts in RON (RON) in your personal BT account for which you have activated this service, from any customer of a participating bank.

2. How do I activate alias pay?

To activate Alias Pay BT, you must be a BT customer and an individual account holder. You can activate this service via BT Pay where we will verify your identity using the methods of authentication methods used in the application.

You will be able to activate Alias Pay based on the phone number declared to BT and request its association with IBAN account for the card you can select from the list of cards.

You can only associate a phone number to a BT account.

Activating alias pay service involves the following steps:

• Select the Set Alias option from the main menu of the BT Pay application;
• Select the debit card and the related IBAN account for which you want the Alias setting;
• Confirm the phone number registered with BT as well as your Alias;
• Confirm the Alias setting by entering the SMS-OTP code received on the phone number.

3. How do I transfer via Alias Pay? 

If you have activated your Alias Pay service, any customer of a participating bank can transfer to you RON amounts to the BT account you have linked to this service. You will enter in the application of that participating bank your phone number on which you previously activated this service.

If you wish to initiate a transfer via Alias Pay, you will be able to make without activating Alias Pay. However, the beneficiary of the transfer will need to have the service active through their participating bank.

You can initiate a transfer through Alias Pay by following the following steps:

• Select the transfer option, respectively Send;
• Select the Transfer Alias Pay or IBAN option;
• Enter the details of the transaction: transfer amount, payment details and phone number of the the transferee;
• You will be shown the details of the transfer and you will be able to select the type of transfer: normal, urgent or instant (to banks that have joined the Instant payment system);
• Select the personal debit card from which you want to initiate the operation;
• You give your agreement on the operation and the bank fee applied, by confirming the operation;
• Authorize the transaction by entering the unlock password of the phone.

4. How long does it take for the transfer to Be made by Alias Pay?

Depending on the chosen payment method, the money will be received by the counterparty:

• Instant - in seconds, 24/7. This type of transfer is possible between participating banks Instant Payments technology. If the customer belongs to a bank that has joined this technology, the Instant option will also appear;
• Standard – in maximum 24 h, from Monday to Friday;
• Emergency – on the same day, from Monday to Friday, if you initiate the transfer until 15:00.

Transfers via Alias Pay are allowed from personal BT debit cards attached to the accounts personal current accounts in lei.

5. Are there any limits on amounts for transfers?

Yes, transfers initiated by telephone number, transfers by IBAN and transfers by Alias Pay are limited by daily thresholds per card, both in terms of value and number.

• for transfers in RON: minimum 5 lei / transaction, maximum 4.000 lei / day / card, maximum 20 transfers / day / card;
• for transfers in EUR: minimum 5 EUR / transaction, maximum 800 EUR / day / card, maximum 20 transfers / day / card.

6. Are there any fees and fees for transfers?

See the full list of application fees and charges BT Pay

7. Where can I view transfers made through the Alias service Pay?

You can view the transfers, as well as their status in the Transfers section.

8. How can I delete Alias Pay?

If you no longer wish to have Alias Pay active, but the BT account attached to it remains open, you can request to delete the Alias via the BT Pay application, View Aliases section section. You will then be able to restart the Alias Pay enrolment process.

9. Can I change the Alias already set? 

If you wish to change the IBAN account associated with the Alias Pay service, you can restart the process by Alias Pay and select another BT card that is linked to a different current account. This will overwrite the information originally saved.

If you want to change the phone number, it is necessary to delete the Alias initially set. and restart the Alias Pay enrolment process.

10. Can I have more than one Alias?

Not. Only one association between the declared phone number and the associated IBAN account is allowed.

1. What is the credit card option?

The credit card option is a service offered by Banca Transilvania. This service will allow you to apply for a credit card application and obtain the credit card and the credit line. line.

2. How do you access the credit card option?

Certain categories of app users, among those identified as bank customers individuals, residents, who have a BT debit card issued to their personal account added to BT Pay (with BT meal card), and who do not have a STAR Forte credit card issued as a holder, will be able to view the credit card application option in the application.

3. What are the stages of granting a credit card 

In order to obtain the credit card, you must perform the following operations:

• photographing the identity card and confirming the data from the identity card;
• validation of the telephone number declared to the bank and the email address, by entering the code received by SMS;
• acknowledgement that all contractual documents and statements of account related to the credit card will be sent to your validated email address;
• filling in certain personal data relating to: marital status, studies, profession, employment contract period, group membership, payment obligations;
• signing the anaf consultation agreement;
• acceptance of the offer submitted for the issue of the credit card, including the maximum amount you can obtain, the specific costs of the credit card, viewing the benefits of the credit card, including setting the option of automatic minimum/maximum or no turnover automatically;
• confirm the collection of the card from a BT branch or the sending of the issued card to an address mentioned by you as the card user;
• going through the documents related to the credit agreement, taking cognizance and signing them with a qualified electronic signature. The application of the qualified electronic signature will be done by entering the code received by SMS.

4. How much time do I have to complete the application for issuance credit card

You will have a maximum of 72 hours in which to complete your application for a credit card. The first stage, completing certain information requested by BT and signing the agreement for ANAF consultation must be completed within 48 hours.

The second stage, from the moment of signing the agreement for ANAF consultation until the moment of signing contractual documents must be completed within 24 hours.

If the maximum time limit is exceeded in either of the two stages, the user will resume the credit card issuing process from the beginning.

5. What software is used to sign documents?

The BT Pay app uses the services of Asseco and AlfaTrust. Through these integrations, the user signs both the documents required for ANAF consultation and the documents required for issuing card and the granting of the credit line by electronic signature.

6. How long does it take to add the new card issued in BT Pay?

The newly issued card will be available within a maximum of 48 hours from the moment of signing the documents necessary for granting the credit line.

7. Are there any fees and charges for issuing the credit card?

The list of fees and commissions charged by BT is available by clicking on the link to this point.

8. Can I change the amount of the credit line?

Yes, the amount stated in the proposed offer is the maximum amount of the credit line that can be granted by BT. You can change this amount to a lower amount than the maximum amount.

9. To which address can the card be sent at home by mail?

The card can be delivered either to the address on the ID card or to an address provided by you during the online credit application flow in BT Pay.

10. What is the option to increase the credit card line?

The credit card increase option is a service offered by Banca Transilvania. This service will allow you to request and, based on BT's decision, obtain an increase in the credit line of your card credit card.

11. How do you access the option to increase the credit card line?

Certain categories of app users, among those identified as bank customers individuals, residents, credit card holders issued on the personal account added to BT Pay, will will be able to view the credit card line increase option in the application.

12. What are the steps to increase the credit line of the credit card? credit card?

In order to increase the credit line, you must perform the following operations.

• photographing the identity card and confirming the data from the identity card;
• validation of the telephone number declared to the bank and the email address, by entering the code received by SMS;
• filling in certain personal data relating to: marital status, studies, profession, employment contract period, group membership, payment obligations;
• signing the ANAF consultation agreement.
• acceptance of the offer presented for the increase of the credit line, the specific costs of the credit card benefits.
• going through the documents related to the increase of the credit line, taking cognizance and signing with a qualified electronic signature. The application of the qualified electronic signature will by entering the code received by SMS.

13. How much time do I have to complete the application for an increase of credit line?

You will have a maximum of 72 hours in which to complete your request for an increase in the credit line. The first stage, completing certain information requested by BT and signing the agreement for ANAF consultation, must be completed within 48 hours.

The second stage, from the moment of signing the agreement for ANAF consultation until the moment of signing contractual documents must be completed within 24 hours.

If the maximum time limit is exceeded in either of the two stages, the user will resume the credit line increase process from the beginning.

14. Can I change the amount of the credit line?

Yes, the amount stated in the proposed offer is the maximum amount of the credit line that can be increased by BT. You can change this amount to a lower amount than the maximum amount.

1. What is the Invoice Payment Service?

Bill Payments is a service offered by Banca Transilvania. This service allows users to individuals to pay utility bills.

2. What you can do in the Payments service Invoices?

Through this service, Banca Transilvania offers users access to:

a) Payment of invoices to approved suppliers using one of the methods below:

• connecting the account afferent to an approved utility provider;
• connecting the account to the Pago Application and importing the connected suppliers within the Pago Application;
• scanning a bill received from an approved utility provider without setting up mentioned above;
• requesting an amount from a third person to pay an invoice.

b) Viewing the history of payments made to the approved suppliers;

3. How do you access the Invoice Payments service?

The Invoice Payments service will be allowed only to BT Pay users identified as customers of the bank.

Within the BT Pay application you will be able to access the Bill Payments functionality from the main screen of the application.

4. How do you connect the account in Pago?

If you are also a Pago user, you will be able to import data from your Pago account into BT Pay application.

This option will be visible both on first access and later, after deleting all connected providers.

The data import mechanism is carried out as follows:

• In the Pago application will be displayed a code for connecting to BT Pay;
• In the BT Pay application you will enter the email address of your account in the Pago application together with this code, which has been displayed in the Pago app;
• If the code and email address are successfully validated, then the connection will be made. your Pago account in BT Pay.

Following the data import, suppliers connected via the Pago application will be displayed, as well as data about the invoices to be paid or paid.

This data synchronisation will only be performed when connecting your Pago account via BT Pay application. Thereafter, no further synchronisation of this data will be made. Thus, any change within the Pago application or within the BT Pay Invoice Payments functionality will not be visible in the other application.

5. How do you connect suppliers?

The BT Pay user will be able to connect their utility providers from the main screen of the application.

You will thus have to accept the terms and conditions of use of the service in within BT Pay and confirm that you are aware of the related Information Notice. Subsequently, you will have select the categories of providers you want.

After selecting suppliers from the desired supplier categories, you will be able to connect each supplier into by entering the connection data requested by each supplier.

It is possible to connect to the same provider with different connection data, so on multiple accounts customer accounts. As a result, the same provider will appear more than once.

In the case of connecting certain suppliers, mark in the application with a distinct symbol, respectively , it will be necessary to activate one of the paid options.

In the case of certain providers, prior consent of the customer is required to access the account data with the supplier. In this case, when you initiate the connection to the supplier from the application, if you have not given consent, then you will be directed to the supplier's website where you will be able to express the requested consent.

You will also be able to connect several accounts related to the places of consumption from the same supplier.

6. How do you view the issued invoices?

After successfully connecting at least one supplier within the Invoice Payments functionality, you will be able to view the history of paid invoices, as well as those still to be paid.

Invoices that have not already been paid can be viewed at supplier level by choosing supplier, or at aggregate level as a total of invoices from all connected suppliers.

For each invoice to be paid, you will be able to perform one of the following actions:

• You will be able to view the invoice in pdf format;
• You will be able to request the payment of the invoice;
• You will be able to select the invoice to be paid.

If you have any questions or queries about this information, please contact the supplier supplier of the invoice.

7. How do you pay an invoice?

You will be able to pay one or more invoices simultaneously, according to your choice.

Payment of invoices will only be possible as full payment of the invoice(s) in question; it will not be possible to partial payment of an invoice.

Invoice payments can be made from any account linked to a debit or credit card issued by Banca Transilvania, as a natural person, enrolled in BT Pay. You will not be able to make payments from invoices with your meal voucher card.

The confirmation of the payment operation will be made by entering the method of unlocking the screen.

Payments are recorded with the date of the day on which the payment was made, updating the situation the payer's status in the supplier's records is carried out according to the supplier's procedures, independently of control of the bank.

8. How do you scan and pay an invoice?

For some suppliers you will also have the possibility to pay the invoice by scanning the barcode.

In order to use this functionality, you will need to grant access to the camera.

For a scanned invoice, in some cases, you will need to enter certain data for the invoice on you want to pay. Data required to be entered by the user after scanning an invoice are specific to each supplier, according to their requirements.

Confirmation of the payment operation of a scanned invoice will be done by entering the method of unlocking the phone.

9. What is the cost charged by Banca Transilvania for payment bills?

For the payment of the invoices, Banca Transilvania will not charge any commissions.

10. How can I delete the suppliers enrolled in invoice payments?

A provider added to the application can be deleted regardless of its status: connected, disconnected or disconnected.

If a supplier is deleted, you will be able to bring that supplier back.

Deletion is initiated by pressing the delete button/icon in the supplier details under Invoice Payments service.

11. What are the options related to the Invoice Payment service?

For the bill payment service offered in BT PAY, you may also choose one of the following options existing options:

• Free: is a free, default option where you can perform up to four invoice payments per calendar month, except for payments to marked suppliers by the specific symbol;
• Invoices Plus: is an option paid monthly in advance for the following month, in 5 lei/month, under which you will be able to make a maximum of 8 payments per month. month, including suppliers marked with;
• Unlimited Invoices: is a monthly option paid in advance for the following month, worth 15 lei/month, under which you will be able to make an unlimited number of payments invoices, including to suppliers marked with.

You will be able to select an option after logging in to at least one provider account. The options are visible in Settings section of BT Pay.

If you select the Invoices Plus or Unlimited Invoices option you will need to select your own card issued by Banca Transilvania in your name from the attached account which will be debited monthly the countervalue of the selected option. You will benefit from a trial period (also called trial period) of 15 days, after which the first payment will be made for option from the selected card. The option fee will be deducted from the account attached to the card, regardless of if you make the number of payments for that option after the 15-day trial period. Thus, the first payment of the selected option will be made from the selected card on the 16th day after selecting the type of option.

The option to activate a paid option is presented to you when you want to make more 4 invoice payments within a calendar month or you want to connect a supplier marked with .

If you change the option type from Invoices Plus to Unlimited Invoices, at the cost difference between the Invoices Plus option and the Unlimited Invoices option will be Unlimited Invoices option for the current month.

In case of changing the option type from Unlimited Invoices to Invoices Plus, the benefits of the Unlimited Bills option will remain active until the end of the invoiced month.

If at the time of any payment you no longer hold your own card issued by Banca Transilvania in the name of selected for payment in the application or if your account balance is not sufficient, then payment of the option cannot be made and the option will be closed; you will be informed about this this by a notification within the application.

If you unsubscribe for the trial period and then subscribe again on the date of the trial period, you will subscription you will pay the cost of the selected option, as the free trial period is offered for one year. only once for the 15 days.

If you wish to remove the paid option, you will be able to request this via the BT Pay app. Benefits for the current month will remain active until the end of the paid period.

If you activate one of the Invoices Plus or Unlimited Invoices options and deleting the BT Pay application, the selected option will not be deactivated automatically. It is necessary to have in to cancel the BT Pay option before deleting the application.

12. My subscription will be imported from the Pago App and into the Service Bill Payment Service?

If there is an active subscription in the Pago app, it is not taken over in the BT Pay app. If you want to unsubscribe within the Pago app, follow the steps specific to this app.

13. How long does it take to confirm payments to the supplier?

Utility bill payments are settled within 3 working days. After confirmation, payments also appear to suppliers on the day they were made in the Bill Payments service.

14. Some information in the invoices is erroneous. What do I do?

Your billing information is taken from each supplier's online accounts. In such cases please contact the respective supplier.

1. What is the overdraft option?

The overdraft option is a service offered by Banca Transilvania. This service will allow you to apply for a line of credit in the form of an overdraft.

2. How do you access the overdraft option?

To access the overdraft facility, you must be identified as a customer of the bank. a resident individual, have at least one BT debit card issued on your personal account, except for BT meal card, be between 18-60 years old, not be an employee of BT Financial Group and do not hold an overdraft with BT.

3. What are the stages of overdraft?

In order to get an online overdraft, you must perform the following operations:

• you photograph the identity card and confirm the data from the identity card;
• you validate the telephone number declared to the bank and the email address by entering the code received by SMS or email;
• you fill in certain personal data concerning: marital status, studies, profession, employment contract period, group membership, payment obligations;
• sign the ANAF consultation agreement;
• you accept the offer presented for the overdraft, including the maximum amount you can obtain, its specific costs, the benefits you can see;
• go through the documents related to the credit agreement, taking cognizance and signing them with qualified electronic signature;
• you receive the documents signed electronically by email, at the previously confirmed address.

4. How much time do I have to complete the application overdraft?

After you have filled in the requested information, within 48 hours you must go to the next step and sign the ANAF consultation agreement. If you do not succeed, your application will expire and you will have to resume the process from the beginning.

Once you have signed the ANAF consultation agreement, make sure you finalize the entire process and sign the contractual documents for the overdraft within 24 hours. If you don't meet this deadline, the ANAF agreement expires and you have to start the process from the beginning.

5. What software is used to sign documents?

The BT Pay app uses Asseco and AlfaTrust services. Through these integrations, the user signs both the documents required for the ANAF consultation and the contractual documents for granting the overdraft by electronic signature.

6. How long does it take to access the credit line?

The credit line will be available immediately after the process is completed and the documents are signed. the contractual documents for granting the overdraft.

7. Can I change the amount of the credit line?

In the process, the amount stated in the proposed offer represents the maximum amount of the credit line that can be granted by BT. You can change it to a lower amount depending on your needs. This will be the credit line that will be granted to you and that will also appear in the contractual documents.

1. How do I add an account to BT Pay?

You can add a personal current account in BT Pay by going to the "Accounts" section and following the steps of adding the personal current accounts of your choice.

2. Can I add more accounts to the application?

Yes, you can register all the current accounts opened at Banca Transilvania, regardless of its currency.

3. How do I open an account in the accounts section?

To open a current account you need to go to the "Accounts" section and press "+" select "Open a new account" select the desired currency and accept the terms and conditions. Also within a currency exchange operation, if there is no open account in the currency of purchase, the user will be able to open the account in the process by following the steps in the application.

4. How do I delete an account from the Accounts section?

You can always remove an account from BT Pay using the Delete this account option. Later, if you want to reopen it, you need to repeat the steps from point 1.

5. What can I do in the Accounts section? (option available only to individuals)

• adding accounts to the BT Pay application;
• viewing active accounts and displaying their balances;
• view cards attached to each account;
• transfers between own accounts;
• making transfers in RON (interbank and intra-banking);
• making transfers through Alias Pay;
• viewing, setting and deleting recurring payments.
• view the history of pending transactions and transfers.
• IBAN distribution;
• currency exchange;
• automatic import of saved beneficiaries into Neo BT and BT 24 applications;
• opening a current account in RON or another currency.
• making currency transfers (interbank and intrabank; for further information, see: Transaction Processing Schedule).

6. How do I transfer money?

To initiate a new payment click on the "New Payment" button where you can choose the recipient from list of recent transfers or saved payees. If you do not fit into either of the two you can initiate a payment to a new IBAN by pressing the "Send" button. to a new person" button.

7. Are there fees and charges for transfers?

Consult the list of fees and charges levied by BT, as well as maximum transfer limits.

8. How do I view transactions?

In the "Transaction history" screen will be displayed all completed and pending transactions.

9. How do I set up a recurring payment?

Recurring payment can only be set when you initiate a new transfer to another beneficiary. This will be possible only if there is sufficient balance to make the payment. Recurring payment can be set as weekly, monthly or bi-monthly.

10. How do I make a currency exchange?

Currency exchange can be accessed from the "Accounts" section by selecting the specific button for this type of and following the steps in the application.

11. Are there any fees for currency exchange?

Foreign exchange does not involve commissions. At the time of the exchange, the exchange rate will be applied applied by Banca Transilvania displayed in real time in the BT Pay application.

12. In what currency can I exchange currency?

The list of currencies that can be bought/sold through the application can be viewed in the section "Accounts", option "Currency exchange".

13. Can the exchange rate change?

BT's exchange rate is displayed in the application in real time and can be changed at any time until the customer signs the currency sale/purchase order.

14. I have a limit on the amounts I want to buy/sell which is transaction processing schedule? Is there a daily transaction limit?

They are processed 24 hours a day, 7 days a week, as follows:

• Monday to Friday - from 9:00 to 17:30 without limit;
• from Monday to Friday, outside office hours (after 5.30 p.m., Romanian time), on weekends or any non-working day, up to a maximum of 50,000 lei/day (equivalent in any currency)

The user can perform a maximum of 25 currency exchange operations in a single day.

1. What does the Savings functionality mean?

This functionality refers to the user's ability to view, constitute products of products available in Banca Transilvania's offer for individuals, respectively to view them in the close/delete them.

2. Which customers are eligible to use this functionality?

The functionality is only available to Banca Transilvania customers, account holders, individuals, who are over 18 years old.

3. What types of operations can be performed within the functionality Savings? 

• If you don't own savings products:

  In the "Savings" section you will be able to see the Accounts options Savings accounts and Term deposits. From this screen you can initiate a set-up process, by selecting a type of savings product from the BT offer.

• If you own savings products:

  In the "Savings" section you will be able to see your existing products and you will have a complete overview of the savings products you currently own. In the case of if you have several products of the same type - in different currencies, they will be displayed in the different sections. Existing savings products are divided into categories: Savings accounts Savings Accounts (including RoundUp), Term Deposits, Collateral Deposits.

4. How to set up a savings account?

Select "+" in the "Savings" section - create a new Savings Account - select a currency (RON/EUR) - I want account - choose the current account from which you want to transfer the amounts to the savings account - enter the amount - press "confirm" - create Savings Account.

5. How do I fund a savings account?

Go to the "Savings" section - select your savings account - choose the "Add money" option - select the current account from which the savings account will be funded - enter the amount you wish to transfer to the savings account - choose "Confirm".

6. How do I close a savings account?

Go to the "Savings" section - select your savings account - Account settings - close account - select the current account to which you want to transfer the amounts in the savings account - confirm transfer.

7. What types of deposits can I make?

You can set up any type of classic term deposit offered by BT.

8. How do I cancel a term deposit?

Go to the "Savings" section - select the deposit you want to close - close account - choose the desired withdrawal option (at maturity / before maturity) - choose "withdraw deposit".

1. What is the MTPL insurance option?

This option allows BT individual customers to view offers and purchase policies from insurance policies directly from BT Pay.

2. How do I access the option to issue MTPL insurance?

The "MTPL Insurance" option is exclusively allowed to BT individual customers, BT Pay users.

Within the BT Pay app, you will be able to access the option directly from the main screen of the app: MTPL Insurance-> My Car.

3. What documents do I need to issue the MTPL policy?

Given that the data about the car and the data about the owner must be filled in the customer needs the car's registration number and the owner's identity card. In application there is a document scanning function to streamline the process of completing the data completion.

4. How do I view offers?

After successfully completing all fields in the application related to the car, the owner and the period, the customer will access the "View offers" button. Thus, a screen will display all and the user has the possibility to choose one of the offers, for a period of 6 months or 12 months. Afterwards, the customer can select the most suitable offer for him and will payment of the amount indicated in the chosen offer.

5. How do I view the insurance policy issued?

After issue, the customer will receive the insurance policy in PDF format on the e-mail address filled in in order to receive the purchased RCA insurance policy.

The customer receives an e-mail which is the confirmation of the RCA policy issue and contains all the data order placed, together with the Insurance Policy issued by the Insurer.

6. How do I pay for my MTPL insurance policy?

Payment can only be made using a card registered with BT Pay. By pressing the "Confirm and pay" button, the user agrees that the amount of the MTPL policy indicated in the the chosen offer will be debited from the account to which the card is attached. payment is made.

7. How long after payment is the policy issued? insurance policy?

The insurance policy will be issued within 30 minutes from the time of payment in BTPay and will be sent to the client's e-mail address.

8. How long does Renomia refund the money in case of a return?

If the customer is in a situation where he has to receive a return of premium for policy, the Renomia insurance broker will return the money to the client's account within a period of time. maximum 2 working days.

9. In which case can I request termination/cancellation of the insurance policy? RCA INSURANCE?

Cancellation of the MTPL insurance policy can only be done in one of the cases below:

• if there is still a valid policy issued on the same car, in which case only the first policy is valid. RCA policy remains valid;
• if the car is stored;
• the insurer's decision in the event of a request for a change to an MTPL policy that is not valid;

10. How do I request the termination of my MTPL insurance policy?

If you wish to cancel your MTPL insurance policy for any of the reasons mentioned above, please contact Pago btrca@pago.ro.

11. What documents are required to terminate/cancel the policy? insurance policy?

In order to terminate the RCA insurance policy, the client must send the following documents to btrca@pago.ro:

• the picture on the stub;
• identity card;
• RCA polite issued;
• the termination request for each insurer.

12. How can I change the data on my MTPL insurance policy?

If the customer finds that the information on the MTPL insurance policy is incorrect (address, owner data, car registration number, driver data, etc.), the customer can request to change the data on the document issued by sending an e-mail to btrca@pago.ro.

To change the insurance policy, some documents from the customer are required:

• Talon
• owner's identity card
• Policy in PDF format
• Car drivers' report (for modifications/additions of drivers)

Attention: All documents submitted must be photographed in full, not in pieces.

Example: one photo on the whole payslip, one photo on the whole ID card.

13. What is involved in changing the MTPL insurance policy? 

If the change in the details of the MTPL insurance policy also involves a change in the policy amount, you will be informed of this and asked if you agree to debit the remaining amount.

14. How long does it take to resolve applications for termination or amendment of data on the RCA insurance policy?

Requests for either termination or modification of MTPL insurance policies will be resolved within a maximum of 5-7 working days by the insurers who issued the policy.

All the information regarding the application will be communicated to you by Pago btrca@pago.ro and they will also send the necessary documents to insurer and inform him about the request.

15. What do I do if I don't get my MTPL insurance policy on e-mail? 

If the policy is issued, but has not been emailed, the user can access the "Resend" button and the policy will be sent to the completed e-mail address. The RCA insurance policies are sent in maximum 30 minutes after issue.

16. What do I do if I have not been issued with an MTPL insurance policy even though I have completed all the required information? 

There is a possibility that the MTPL insurance policy will not be issued because the start date of the new policy that has been selected overlaps with the date of the old policy.

There is also the possibility that the data filled in is incorrect or does not correspond to the data in the database of the chosen insurer. The client will be informed and will have to return the documents in (the owner's identity card and the car registration document).

1.What is the Travel Insurance option?

This option allows BT individual customers to view personalised offers based on needs analysis and purchase travel insurance policies directly from BT Pay.

2.How do I access the option to issue travel insurance?

• The "Travel Insurance" option is only allowed for BT individual customers, BT Pay users who meet certain eligibility conditions.

  Within the BT Pay app, you will be able to access the option directly from the main screen of the application: Travel Insurance.

3.How do I view the offers?

After successful completion of the needs analysis and policy start period the client will see in a personalised insurance offer screen and the user has the possibility to choose the offer or request a new offer. Afterwards, the customer can pay the amount indicated in the offer presented.

4.How do I view the insurance policy issued?

After issue, the customer will receive the insurance policy in PDF format on the e-mail address filled in and validated.

The customer receives an e-mail which is the confirmation of the policy issue and contains all the documents documents found on the feed, together with the Insurance Policy issued by the Insurer.

5.How do I pay the insurance policy?

Payment can only be made using a card registered with BT Pay. By pressing the "Confirm and pay" button, the user agrees that the policy amount indicated in the offer chosen to be debited from the account to which the card to which payment is made is attached.

6. How long after payment is the policy issued? insurance policy?

The insurance policy will be issued within 30 minutes from the time of payment in BT Pay and will be sent to the customer's e-mail address.

1. What is BT Pay Kiddo?

Functionality that allows the legal representative to grant permission to use BT Pay for minors aged 10-18 years (hereinafter "minor"). This process is carried out exclusively online, at the end of which the legal representative is offered a new "Kiddo" option on the main page of BT Pay application, through which they can view and perform certain transactions. The functionality is addressed to:

• Minors aged 14-18;
• Minors aged 10-18.

2. What conditions do I have to fulfil as legal representative/guardian? to activate BT Pay Kiddo?

To activate BT Pay Kiddo, the legal representative/guardian must have the BT Pay app for that has gone through the identification process and meet the conditions below:

• For minors aged 14-18 with a bank account, the legal representative must be a natural person and must have a single signature on the minor's account;
• For minors aged 10-18 attached to the parent's account, the legal representative must be the natural person holding the account.

3. What conditions must the minor have to have BT Pay Kiddo?

To activate BT Pay, the minor must meet the conditions below.

For minors aged 14-18:

• Must be at least 14 years old and have an identity card issued in Romania;
• To have an account and card issued in his name;
• To have a telephone number declared in the relationship with the bank (minor's number).

For minors aged 10-18 years old not yet born attached to the parent's account:

• To be at least 10 years old.

4. How do I activate BT Pay Kiddo?

As a parent/guardian/legal representative of a minor over 10 years of age ('the minor'), if you wish to to allow them to access/use BT Pay for minors, you can do this directly from your app by accessing the 'BT Pay Kiddo' option and following the steps in the app: going through the identification process if applicable, accepting the legal terms for this functionality, granting consenting to the processing of personal biometric data of the minor aged 14-18 years, providing the minor's personal data consisting of the phone number declared to the bank on the account and the CNP of the minor aged 14-18 years, respectively the telephone number and CNP of the minor for those aged between 10-18 years old not yet born attached to the parent's account. Alternatively, for minors aged 14-18 you can grant permission to use BT Pay for minors and in a BT unit.

5. How does the BT Pay minor activate?

For minors aged 14-18:

• After the parent grants permission to access/use the BT Pay application, the minor must download the BT Pay app from the AppStore/GooglePlay/Huawei App Gallery and follow the steps of enrolment steps in the app.

For minors aged 10-18 years old not yet born attached to the parent's account:

• In order to grant permission for minors to use BT Pay, the BT Pay user parent will access the BT Pay Kiddo functionality in their own App and provide the Bank with the information requested information, namely the personal number code, first name, surname and telephone number of the minor. At the time of providing access, the parent will also request the issuance of a child card, which will be issued on the parent's account and will be attached to a dedicated sub-account.
• After the parent grants permission to access/use the BT Pay application, the minor will install BT Pay from the dedicated shops mentioned above, using the number provided by the telephone number declared by the parent at the time of granting permission. The parent authorises the installation of the application and add the BT Kiddo card by the phone unlock method from their own phone. BT Pay application and by an OTP code sent by SMS to the parent's number that the minor will enter in the application. Afterwards, the minor will have access to the dedicated BT Pay features minors over 10 years old.

6. I am a minor and I have BT Pay, what transactions can I do?

For minors aged 14-18:

• BT card registration in the app;
• Pay with your phone at the POS; for Android phones, payment is made with BT Pay. For users with iOS phones, the card can be added to the Apple Pay solution directly from the BT Pay app under the conditions set by the app provider, including the user age conditions;
• Send money;
• Request money;
• Display card details and confirm payments online;
• Cash withdrawal from contactless ATM or based on code generated in the application;
• View card balance, card transaction history and view poe card spending categories;
• RoundUp activation;
• Activate offers in the Rewards on the move section.

For minors aged 10-18 years old not yet born attached to the parent's account:

• Pay with your phone; for Android phones, payment is made with BT Pay. For iOS phones, the card cannot be added to Apple Pay, according to age conditions imposed by the provider, i.e. minimum 16 years;
• Requesting money from the parent who granted permission to use the BT Pay app;
• Contactless ATM cash withdrawal (with BT Pay using NFC technology for Android phones, or using the card;
• Viewing balance;
• View card charges and transaction history.

7. I am the legal representative/guardian and have granted the minor permission for BT Pay, what can I do?

For minors aged 14-18, after adding a BT card issued in the name of of the minor, if it is attached to the minor's personal account, the parent can do the following:

• Set tranzanction limits
• Temporarily or permanently block/unblock the card;
• View card balance
• View transactions/transfers made by child

For minors aged 10-18 years old not yet born attached to the parent's account: After the card is issued to the parent's sub-account and added to the child's application, the parent will will have the following information and actions available in the "Kiddo" tab:

• Change in transaction limits for children's cards;
• Temporary or permanent blocking/unblocking of the card; adding money: the parent will select the card card from which he/she wants to make the transfer (only BT cards issued on the account of holder, and the transfer will be automatically made to the child's card;
• View sold card;
• View transactions/transfers made by children.

8. For how many minors can request access to the BT Pay application Kiddo?

• For minors aged 14-18 years you can add a maximum of 5 minors;
• For minors aged 10-18 years old, you can add a maximum of 5 minors.

9. Do I have transfer limits if I am a minor?

For minors between 14-18 years old the minimum limit / transfer is 5 RON/1 Euro. Also limits maximum transfer limits per day/card are:

• Send money 500 RON and 100 Euro in max. 10 transactions/day.
• Maximum cashing 2000 RON and 400 euro in max 10 transactions per day.

For minors aged 10-18 years old not yet born attached to the parent's account, the minimum limit of 5 RON, and the maximum transfer limit per day (receiving money from the representative of the legal representative who granted access) is a maximum of 500 RON in a maximum of 10 transactions per day.

10. The minor has changed his phone number, what do I do?

For minors aged 14-18:

• It is necessary to update the phone number in the bank's system with him/her first. This can be done either online (if you have access to the previous phone number) or by in a BT unit. After the update, you need to access the "BT Pay Kiddo" button to select the minor for which you want to change and enter the new phone number. After following the steps in app, the child must reinstall the BT Pay app and the identification process will resume. If you do not want the minor to be identified in BT Pay, you must present yourself together in a BT unit.

For minors aged 10-18 years attached to the parent's account:

• It is necessary to update the phone number in the bank's system with him/her first. This can be done either online (if you have access to the previous phone number) or by in a BT unit. After the update, you need to access the "BT Pay Kiddo" button to select the minor for which you want to change and enter the new phone number. After following the steps in app, the child must reinstall the BT Pay app and the identification process will resume. If you do not want the minor to be identified in BT Pay, you must present yourself together in a BT unit.

11. The minor has uninstalled the BT Pay app, I can still see the tab "Kiddo"

For minors aged 14-18:

• In case of uninstallation of the application by the minor, the minor's legal representative will be able to the operations mentioned above on the BT Pay Kiddo option. Viewing the BT Pay Kiddo option will not if there is no BT card attached to the minor's BT Pay application. personal account.

For minors aged 10-18 years old not yet born attached to the parent's account:

• In case of uninstallation of the BT Pay application by the minor, the minor's legal representative will continue to see their card in the BT Kiddo tab. The minor will be able to reinstall the application by resuming the steps installation and obtaining authorisation from the parent.

12. What happens when a child turns 18 minor?

Within 30 days of the minor's 18th birthday, the minor will be informed by a notice in application about limiting access to BT Pay features for minors. On reaching the minor will have to reinstall the application and go through the process of enrolment process using the newly issued ID card. Beforehand, the newly issued ID card must updated in the bank's system.

13. Are there any fees for BT Pay Kiddo? 

For more information on fees and charges please see the list of fees and charges in BT Pay.

14. How can I open an account for my child?

To open an account in the name of a minor, you must present yourself at any BT unit with the minor aged between 14-18 years, his/her identity card and the birth certificate of the the child.

15. There is the possibility of connection for the second legal representative (parent)?

For minors aged 14-18:

• Yes. If a legal representative of the minor has given permission to the minor to use Bt Pay for minors, it is always allowed to connect to the minor's user account of a second legal representative of the minor, provided that the second legal representative also is authorised on the minor's account. The steps to be followed by the second person representative are similar to those for logging in the first representative.

For minors aged 10-18 years old:

• A minor between 10-18 years old can only get access to BT Pay from one representative legal representative.

16. How can a parent withdraw money for minors between the ages of 10-18 years old attached to the parent's account?

The parent who created the connection can withdraw the money by clicking on the "Take money back" button.

1. What is the "Move your money to BT" option?

Functionality that gives the BT Pay user the possibility to transfer their income or other amounts held on the account to which a non-BT card enrolled in BT Pay is attached, to an account at that has an existing BT card in the wallet.

2. How do I access the "Move your money to BT" option?

The "Move your money to BT" option is only available to BT individual customers who are BT Pay users, with at least one BT and one non-BT card enrolled in the wallet.

Within the BT Pay app, you will be able to access the option directly from the main screen of the app, by clicking on the "Move your money to BT" button.

3. What are the steps for setting the "Move your money to BT"?

After clicking the "Move your money to BT" button:

• The user will choose the non-BT card enrolled in the wallet from which they wish to set up the transfer;
• In the next screen, the user will choose the BT card enrolled in the wallet in which they want to receive the money;
• Afterwards, the user will be able to fill in the amount of the transfer in lei he wants to make from non-BT card to the BT card, its details and will be able to opt for the desired recurrence: weekly, monthly or bi-monthly.

4. Is this operation commissioned?

You will not be charged a fee for this BT card transfer operation.

However, there is a possibility that the bank may charge fees for this type of transfer card issuer, so please check this information with the issuing bank.

5. What are the transfer limits when using the "Move your money" option to BT"?

The maximum amount of money transferred using the "Move your money to BT" option is 30,000 lei/month/customer, regardless of the number of transfers made.

6. How long does it take to transfer from non-BT card to BT card selected by the "Move your money to BT" option?

The transfer is made instantly on the date set by the user as the recurring date for moving the amounts from the non-BT card to the BT card: weekly, monthly or bi-monthly, if this amount is on the account to which this non-BT card is attached. If you do not have this amount, the transfer will not be made.

7. What happens to the recurring transfer set up from a non-BT card that was subsequently closed?

If at the time of the transfer, as per recurrence, the non-BT card is identified as closed, the action is not successfully completed and the user is notified in BT Pay of this situation.

8. What happens if I want to delete a transfer set with a certain recurrence through the "Move your money to BT" option?

The user can always delete a recurring transfer set via the "Move your money" option. to BT" by accessing the list of recurring transfers set, selecting the desired transfer and dragging to left to delete. The user has to confirm or cancel the deletion action.