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BT PAY is a secure software application, accessible via mobile phone 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 can initiate a business relationship with BT directly through the BT Pay app;
You own at least one BT debit or credit card, issued to an individual and/or legal entity, and enrol them in the BT Pay application. You can also add cards issued by other financial institutions in Romania (issued in the name of or under the logo Visa/ Mastercard/ Maestro, per individual) with which you can perform a limited number of transactions, described in point 4 "BT Pay functionalities".
2. Open business relationship with BT through BT Pay application
Major individuals, with tax residence only in Romania, who do not have an established business relationship with the Bank can apply to become individual current account customers through the BT Pay application.
The process of establishing a business relationship through BT Pay is 100% online, carried out remotely, and aims at enrolling the customer (applying the customer awareness measures according to the legal provisions), opening a current account, respectively activating a subscription with various transactional products/services, among those available in the bank's offer.
Following the completion of the application process, applications to open a business relationship initiated via BT Pay may be, as appropriate:
approved: (i) instantly or (ii) within the next working days
(iii)response, in certain exceptional situations
In any of these situations, the applicant is informed by a notification in the application about the resolution of the application initiated by him.
3. Accessing BT Pay
The app can only be used if the phone is secured by password, fingerprint or another security method provided by the phone.
When registering in BT PAY, the user will be asked to set a security code for the use of the application (e.g. each time the application is accessed, the user will have to enter the security code).
If the user has enabled the device unlock function using biometrics (e.g. Face ID, fingerprint), after defining the security code, the user will be allowed to replace the authentication method using the security code with the authentication method using his/her biometrics.
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 authorizing contactless payments, online payments, ATM withdrawals, transfers, additional card settings, and when authorizing 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 BT Pay features, described in chapter 4 BT Pay features, or only to some of them.
If the user of the application is registered only as an additional card user, the following functionalities will not be accessible: bill payments, overdraft line of credit, credit card granting, update BT Pay data, activate Alias Pay service, add non-BT card.
At the same time, BT individual customers, BT Pay users, will have the possibility to be identified during a phone call to/from the Call Center through the BT Pay App, installed on the bank's phone number. Customers who opt for such identification will receive a push notification sent to BT Pay, from where they can accept/refuse identification or identify themselves using the phone unlock method.
4. BT Pay features dedicated to existing customers
In the "Accounts" section you have the possibility to add and view all your own current accounts, regardless of their currency, opened at Banca Transilvania. At the same time, you have the possibility to make transactions through them.
5. How do I 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 when 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 my security code, what do I do?
If you have forgotten your security code, click on the "Forgot your PIN?" button and you will be automatically redirected to the initial registration and identity verification process (accepting the processing of your personal data, taking a selfie to validate 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 option "Activate BT Pay in a BT unit" and enter the code communicated by the BT operator.
9. Can I use the BT Pay app to schedule a visit to the unit?
You will be able to use the BT Pay app to schedule a visit to one of the Bank's branches. To make an appointment you will need to access the "Contact" section and enter the required information.
II. BT card enrollment
1. How do I add a card issued by BT to BT Pay?
Users can add to BT Pay the following types of cards issued in the name of an individual or legal entity.
Users can add Banca Transilvania cards to BT PAY by entering the card data that is requested from them in the application:
Cards issued on the name of a natural person can be enrolled and used in the BT Pay application even if the user has not taken possession of the physical card. The user can take possession of the physical card either by requesting it by courier, or by picking up the card from the territorial units of Banca Transilvania within the term established in the General Business Conditions of the bank.
Adding the card to the BT Pay application also involves activating it, if the activation was not performed beforehand at a BT ATM.
If the customer has added the card to BT Pay, activated it, but subsequently takes possession of the physical card, in order to use the card it will be necessary to perform the following operations:
the card is reissued at maturity - the user must perform with the physical card a first operation of "Change PIN" from the ATM menu – "PIN Administration". In this operation, he will be asked for the existing pin code of the card and a new pin code, which can be the same as the existing pin code of the card. In the exceptional situation in which the user receives an error at the completion of the "Change PIN" operation, he addresses to the bank the request for the uncommitted reissue of a new activation code, after which he follows the standard card activation steps from ATM BT.
the card is newly issued or reissued upon request - it is necessary to activate the physical card at BT ATM and to set a pin code for the issued / reissued card.
2. I am an individual and I am not a BT client. How do I apply for a card?
The card is automatically accompanied by a physical card. The ways you can issue them are:
Online from the BT Pay app - you can open an account 100% online in minutes and apply for a debit card. You'll receive your IBAN account as soon as you've completed the action and you'll be able to cash money into this account. The card will be displayed in your instant card list and the physical card will be sent to you by courier. To open your account online, request a card and details about the process go to https://www.bancatransilvania.ro/cont-online.
BT unit – you can open an account and request a card in any unit of Transilvania Bank. The card will be displayed in the list of cards in maximum 24 hours, and the physical card you will receive 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 a natural person customer or as a card user. The operations you have access to are described in chapter 2, BT Pay Features.
If you are classified as a card user, the following functionalities will not be accessible: Invoice payments, overdraft credit line granting, credit card granting, BT Pay data update, Alias Pay service activation, non-BT card addition.
Once you have also taken possession of the physical card and activated it, you will be able to withdraw cash with your phone from the bank's contactless ATMs, an operation that involves the existence of the card in Apple Pay and entering the PIN code at the ATM.
At the same time, the cards that have matured and automatically reemiseed by the bank allow the withdrawal with the card from the 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 attempt, you can select the option Return my code, which is 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 fine you will see a confirmation screen, where you will be told that adding the card was done successfully.
6. The enrollment of the BT card could not be performed. What can I do?
If everything seems fine, but still you can not 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 the respective card and using the delete this card option. Later, if you want to bring it back, it is necessary to enlist it again. Deleting from the application does not represent 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 screen of the application, access the symbol in the upper right and follow the process of enrolling the card.
9. Is the actual card data stored in the phone?
The application saves only the last 4 digits of the card number, expiration dates and the name of the cardholder. The full card number and cvv is never saved.
10. What is the method of authorizing transactions made through BT Pay?
The transactions will be authorized by the method of securing / unlocking the phone: password, fingerprint, model or another security method offered by the phone.
11. I had to block my physical card. Can I 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 for? Is it connected with the physical 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 device?
No, you can't enroll your 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 customer of the bank, we will bring him to the 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 make it easier to identify it. From the card settings (option valid when touching the card – Card Settings option), select the option "Change the card name" and edit it.
16. I had to block the card in BT Pay. Can I still use my 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" functionality is available periodically 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 BT card to the BT Pay application.
18. How do I add a card issued by BT Direct to BT Pay and allowed operations?
You will be able to add cards issued by BT Direct by manually adding the card data, respectively: card number, first name, expiration date, CVV code (3-digit code on the back of the card) and authentication of the add-on operation by entering the OTP code received on the phone number registered in the system of the issuing institution of the card.
After registering the BT Direct card, the user will be able to use it to perform the following operations: contactless payments at merchants, card balance, viewing the history of transactions made with the card, enrolment of cards in the Apple Pay solution (for users of iOS devices), authentication (approval or rejection, as appropriate) of 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 installments related to a transaction in installments from the BT credit card?
If you want to refund the blocked amount for installments from your credit card, you can access the option within the screen related to the details of the installment transaction. The blocked amount will be debited in full from the account, check your next month's payment obligation. Make sure you deposit the funds necessary to repay the installments by the deadline for making the turnover.
21. What is Round-Up?
Round-up is a savings service for individuals, clients of Banca Transilvania, which can be activated from the BT Pay application. The condition for activating the service is the existence of a debit card in RON attached to the current account added to BT Pay. It involves rounding each payment transaction made with the card, up to a selected multiple that 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 each payment transaction made with the debit card up to a selected multiple. Once the service is activated, the desired rounding step will be chosen, namely:
Rounding up to 1 leu: in case of a payment of 3.5 lei, the rounding up will be done to 4 lei, then 0.5 lei will be transferred to the account dedicated to the Round-Up service.
Rounding up to 5 lei: in the case of a payment of 3.5 lei, the rounding up will be done to 5 lei, then 1.5 lei will be transferred to the account dedicated to the Round-Up service.
Rounding up to 10 lei: in the case of a payment of 3.5 lei, the rounding up will be done to 10 lei, then 6.5 lei will be transferred to the account dedicated to the Round-Up service.
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 through the BTPay application. Activating the service through BTPay will be done by following the steps: "Card details" - > "Card settings" from where the option "Save with Round-Up" is chosen.
25. How do I change the Round-Up rounding step?
The rounding step can be modified through BTPay, following the following steps: from the menu "Card details" -> "Card settings" -> "Save with Round-Up" where you can choose the option "Round-Up Settings".
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" -> "Disable Round Up"
27. How do I access the amounts saved through Round-Up?
The amounts saved through the "Round-Up" service can be accessed at any time by transferring them from the dedicated account "Round-Up" to one of the current accounts in ron held at BT. Transfer money to the current account can be made through the BTPay application: menu "Card details" - > "Card settings" - > "Save with Round Up" - > "Transfer money". Also, the balance of the Round-UP account can be seen at any time in BTPay, while the transaction history can be viewed with the help of the statement of account.
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! Overdraft payments, as well as transfers made from the current account (scheduled or not), cash withdrawals by debit card or ATM invoice payments will not be rounded up.
29. Is the Round Up account a bearer of interest?
The Round Up account is bonused with interest. The interest rate is visible in the Round Up section. The interest rate of the account is variable, and the interest payment is made monthly, on each anniversary, by crediting the Round Up account
30. What is a virtual card, to which account is attached and who offers it?
The virtual card is a functionality offered by Banca Transilvania that allows individual users, holders of personal accounts, to request the issuance of virtual debit cards in lei and euro from the BT Pay application. 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 virtual card design
The Virtual Card will be attached to a new account automatically opened in lei or euro via the payment application.
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 card addition option on the main screen of the application, 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;
At the same time, after making an additional validation by using the code received by SMS, through BT Pay you can access other functionalities of the virtual card, such as: setting daily transaction limits on virtual cards, blocking and temporarily unlocking or permanently blocking these cards.
33. Are there any costs for the virtual card? How many virtual cards can be 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. Is it possible 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 the providers available in the application (Orange, Vodafone, Telekom) by inserting the phone number you want to charge. The user is aware that these transactions are irreversible.
35. Is it possible to view information about a loan 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 credit account, you can view in BT Pay, in the "Loans" functionality, details about your non-card credit products held at Banca Transilvania (e.g. due date, payment amount, repayment schedule, any amounts due, attached insurance policies, fees, any delays).
36. Is it possible to buy a BT PAY vignette?
If you are a user of the application identified as a bank customer, an individual, an account holder, you can purchase a Rovinieta via BT Pay, go to the "Travel Insurance RCA & Rovinetta" tab or the specific banner in the "News" section, fill in the vehicle information and choose the card you want to pay with.
37. Is it possible to view investments made through BT Asset Management?
If you are a user of the application identified as a bank customer, an individual, an investment account holder, you can view your investment holdings and assets with BT Asset Management by accessing the "Investments" tab.
III. Non-BT card enrollment and permitted operations
1. How do I add a non-BT card to the app?
You can also add a non BT card in the BT Pay application, 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 of adding a non BT card is available only if you have been identified as a customer who is a natural person of the bank and you have at least one BT card added to BT Pay.
By selecting the symbol in the upper right, you will choose the option "Add another bank card" and you will enter the following data: card number, holder's name and surname (as they appear on the card), the card expiration date and cvv code (the 3-digit code on the back of the card).
The authentication of the non-BT card operation through the 3D Secure service is applied by the institution issuing the card.
After enrolling the non-BT card in BT Pay, you will have the possibility to access the Open Banking option, which will allow you for 90 days to view financial information from other financial institutions where it has opened accounts. After this period, you will be able to reauthorize the access to the 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 specific to this option.
2. Can I change the card name?
You can change the name of the card to make it easier to identify it. From the card settings (option valid when touching the card – Card Settings option), select the option "Change the card name" and edit it.
3. How do I know if the enrollment of the non-BT card was successful?
After entering the code received by SMS (OTP), if everything is fine you will see a confirmation screen, where you will be told that adding the card was done successfully.
4. The enrollment of the non-BT card could not be performed. What can I do?
If everything seems fine, but still you can not 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;
the transaction authentication is performed in accordance with the 3D Secure standards applied by the institution issuing 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, accessing the settings of that card and using the option Delete this card. Later, if you want to readautiate it, it is necessary to enlist it again. Deleting from the application is not blocking the card.
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, access the icon in the upper right and follow the process of enrolling the card, called "Add another bank card".
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, accepting the transaction and collecting the money being possible only on a BT card.
This card will not allow you the following types of transfers: accepting money sent from another BT card or by another BT Pay user, requesting money and sharing the cost.
After choosing the desired type of transfer, you will enter the amount of the transfer in LEI and its details. In the next step, you will be informed of the BT commission for processing this transfer and which the institution issuing the respective non-BT card applies.
There is the possibility of applying fees related to this type of transfer by the bank issuing the non-BT card, so please check this information with the issuing bank.
The beneficiary is notified by an SMS about the amount pending for collection. The SMS message is sent to the phone number selected by you. Sms contains a link that:
If the beneficiary uses in turn the BT Pay application (the application being installed on the device with the phone number on which he received the SMS), he will open the transfer from the application menu. 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 through the SMS message directs him to the App Store, from where he can download his application. Once the application is installed and the user has registered at least one BT card, accessing the link will open the transfer operation and the beneficiary will view the transaction details.
The beneficiary may:
To accept the operation on a BT card, in which case the bank transaction (collection) is made; In this case, the user will also select the BT card on which he wants to collect the amount of money;
Let the transfer expire. The transfer is valid for 48 hours for transfers initiated from cards issued under the Mastercard logo and 23 hours and 30 minutes for transactions initiated from the cards issued under the Visa logo, in case of expiration the amount will be returned to the card account from which the transfer was initiated after the expiration of the term.
As the Initiator of the operation (payer) you will be notified by a notification received on the phone from which you initiated the operation:
If the beneficiary does not install his application successfully or is not a client of Banca Transilvania, the payment operation is not honored, the transfer expiring 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 of cancellation of the respective transfer by the initiator, in which case the amount is returned in the shortest time to the card account from which the transfer was initiated.
The SMS through which the beneficiary is notified of the fact that he has a pending transfer at collection contains the following information: the name of the card from which the transfer is initiated (the name and surname of the cardholder, as it was filled in when adding the card in the application) and the amount of the initiated transfer.
8. How long does it take for the transfer to take?
Transfers are processed instantly.
9. Where can I view the transfers made through the BT Pay application?
You can view the transfers, as well as their status in the Transfers section.
10. Are there any amount limits for transfers from non-BT cards?
Yes, transfers from non-BT cards based on the phone number (sending money, transfers between own cards) are limited by daily thresholds on the card, both in number and value, as well as by monthly thresholds on the card.
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 another currency than lei, at the time of debiting the transaction from the account to which the card is attached, the card issuing bank could make a currency exchange between the equivalent value of the transferred amount and its equivalent in the currency of the account to which the card is attached, in accordance with the contract concluded between the card issuing institution and the cardholder / holder.
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? Is it connected with the physical 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. Can I still use the card in the app?
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 banking functionality?
You can view the following information: the balance of the non-BT card / account related to the selected non-BT card, the IBAN account related to the selected card, the list of the transaction history from the selected open payment accounts, including the following details: transaction date, transaction amount, transaction detail.
IV. Payment with the phone with the BT cards
1. How do I pay with my phone?
Due to the restrictions imposed by the manufacturer, the iOS operating system does not allow the use of NFC by third parties, so implicitly the payment with the phone. But, from 26.06.2019, Apple Pay is available through which you will be able to make the contactless payments that you want directly with your phone through the Apple Pay application.
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 the cards to Apple Pay directly from BT Pay. The "Add to Apple Wallet" button on the main page is accessed for each card you want to add.
You can also add the cards from the Apple Pay wallet, access the "+" option, the card is entered manually or scans with the camera, then confirm its addition.
4. Where can I pay with my iPhone/ Apple Watch?
Payments can be made at any pos in the country or abroad that accepts contactless payment. Payment can also be made in mobile applications or Safari, where Apple Pay is accepted as a payment option.
5. What are the transaction limits when paying with my BT and Apple Pay card?
Payment limits differ depending on the type of card you have. The value of the payment made by phone is included in the payment ceilings at merchants, set on physical cards. Changing the trading 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 – select here the new card;
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 the cards within the BT Pay application. The specific button within the BT Pay application in the upper left corner will be accessed, at which point the list of cards added to BT Pay will be displayed.
The user can change the position of his cards (both BT and nonBT cards) by long pressing on the card and positioning it with the "drag & drop" function in the desired position.
13. How do I pay with another card than the one set as the main card in Apple Pay?
iPhone X or later: Double-click the side button on the phone. When the main card (Default) is displayed on the screen, select by tap and then select the BT card you want to pay with, log in via Face ID and approach the phone to the pos;
iPhone 8 or older models: approach the phone to the pos without pressing Touch ID. When the main card (Default) is displayed on the screen, you select it by tap and then select the BT card with which you want to pay and log in through 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 approach the pos watch 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: access the Settings menu > wallet & apple pay section > select by tap the card you want to delete from Apple Pay and press the remove this card button;
Apple Watch: select Wallet on the Home Screen of your Apple Watch, press the card you want to delete from Apple Pay and press the Delete button.
15. What are the risks of losing the device on which I installed Apple Pay?
To use Apple Pay, you need to authorize every transaction you make through Apple Pay with a BT card enrolled, face ID, Touch ID, or password.
Apple Watch devices have Wrist Detection, which, when activated, forces the user to enter his password every time he puts his watch on his hand. These features prevent people other than the user from using Apple Pay on their iPhone, iPAD, Apple Watch or Mac.
In case of loss / theft of a device with BT cards set in Apple Pay, you must go to the Apple ID account page or use the Find My iPhone function to suspend or permanently delete the ability to make payments with Apple Pay with the lost device.
On the Apple ID account page select the device after signing in. In the information displayed, select the Apple Pay section and click on Remove or Remove all. The card or cards will be suspended or deleted from Apple Pay, even if the device is offline or is not connected to a mobile network or a 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 through the Apple Pay app if the NFC function in the phone's settings is turned on.
17. Where and how can I see the history of 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 balance of the BT card for any card enrolled in BT Pay, both in the currency of the card and in points for star credit cards.
Moreover, for BT credit cards added to BT Pay, you can see the current turnover achieved and the minimum and maximum turnover required to be achieved 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 still you can not pay, we advise you to make sure of the following aspects;
If your phone's case is not too thick and blocks NFC waves. Try to remove the pouch or approach the phone from another 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 you can call from any national landline or mobile network.
19. Where can I see details of interest-free installment transactions
The option is available in the Info Credit tab, section Installment Transactions. You will be able to 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 will be displayed on the transaction in installments, 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.
V. Cash withdrawal based on code for BT cards
1. How do I withdraw money from atm based on a code?
You can withdraw money from the ATM without a card and without a phone, based on a code generated from the BT Pay application. Access the withdraw cash option, choose the card from which you want to withdraw the money*, select the desired amount and the phone number to which you want to send the code related to the operation. The phone number can be selected from within the phonebook or entered manually.
You will be informed about the withdrawal fee and you will confirm the transaction by entering the unlock password of the phone. The code-based cash withdrawal fee is the same as the commission used when withdrawing the money with the physical card from the ATM. Money will be blocked and returned to the account if the transaction is not performed within 60 minutes.
Within 60 minutes of generating the code, go to any BT ATM, select the Cash without card option on the ATM screen, enter the code received via SMS and the amount.
*the option is valid only for BT cards issued on behalf of individuals, except for the meal ticket card that does not allow the operation of picking up cash from the ATM.
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?
From the moment of sending the code by SMS, it will no longer be available for viewing in the application. Only one code/transaction use is allowed.
4. Are there any fees and commissions?
The cash withdrawal fee based on the code is the same as the commission used to withdraw money with the physical or contactless card and is found at the level of each card on the Transylvania Bank's website.
At the same time, the user is informed about the cash withdrawal fee based on the code, in the application, before confirming the transaction.
5. Are there any limits on withdrawals?
Yes, code-based cash pickups are limited by daily thresholds on the card, both in number 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:
*8028Callable from any national network, fixed or mobile, 24/7 support;
0264 308 028Callable from any network, including international, support 24 / 7.
9. I can't complete the operation, what can I do?
If everything seems fine, but still you can not complete the cash collection operation based on the code, we advise you to check that the data entered at the ATM is correct.
VI. BT card transfers
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 client who has the BT Pay application, based on the phone 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 an SMS about the amount pending at the collection. The SMS message is sent to the phone number selected by you. Sms contains a link that:
If the beneficiary uses in turn the BT Pay application (the application being installed on the device with the phone number on which he received the SMS), he will open the transfer from the application menu. 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 through the SMS message directs him to the App store, from where he can download his application. Once the application is installed and the registered user / enrolled cards, accessing the link will open the transfer operation and the beneficiary will view the transaction details.
The beneficiary may:
To accept the operation, in which case the bank transaction (collection) is performed; In this case, the user will also select the card on which he wants to collect the amount of money;
Let the transfer expire.
As the Initiator of the operation (payer) you will be notified by a notification received on the phone from which you initiated the operation:
If the beneficiary does not install his application successfully or is not a client of Transilvania Bank (which can benefit and use the BT Pay application), the payment operation is not honored, the transfer expiring in 48h, at which time the money is returned to your account;
If you want to cancel the transaction, you can do it before the beneficiary of the transaction accepts it.
In the case of transfers based on the phone number, the user has the possibility to set up a main cashing card directly from the card settings, an option that allows the user to automatically cash the amounts on the chosen card without having to accept the money by opening the link sent by SMS, followed by pressing the "Accept money" button.
1.2 Money transfer to any client of a bank, BT or other bank, based on IBAN
You can transfer in LEI, through BT Pay to BT clients or other bank, natural or legal persons, using the Transfer by IBAN option. IBAN transfers are allowed from BT debit cards, attached to current accounts in RON.
You can choose to make a payment to a client of another bank - instant (to the banks that have joined the Instant payment system), normal or urgent. Depending on the chosen payment method, 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.
You can request money from a person in your phonebook or by manually editing the phone number, by going through the following steps:
Select the option Request money and then select from the phone book the contact from which 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 pending for payment. The SMS message is sent to the phone number selected by you. Sms contains a link that:
If the payer also uses BT Pay (the application being installed on the phone), open the transfer operation in the application menu. The user can view the 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 through the SMS message directs the user to the App Store, from where he can download his application. Once the application is installed and the registered user / cards enrolled, accessing the link will open the transfer operation and the payer will view 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 beneficiary and applicant of the operation, he will be notified by a notification of the payer's action. If the payer does not install his digital wallet successfully or is not a client of Transilvania Bank (who can benefit and use the digital wallet), the operation is not honored, the transfer request expiring 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 the BT Pay application installed – instantly, after confirmation from the beneficiary / payer. This option is made based on the phone number
2. Transfer between own cards – instant
3. Transfer via IBAN:
Instant – in a few seconds, 24 / 7. This type of transfer is possible between banks that have joined the Instant Payments technology. If the client belongs to a bank that has adhered to 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 based on the phone number (sending money, requesting money, transfers between own cards) and transfers by IBAN are limited by daily thresholds on the 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:
payments made from debit cards based on the phone number are free of charge, whether they are transmitted to other persons, holders of BT cards, or they are made to their own cards;
payments made from credit cards, both to their own cards added to the application, and to other persons, holders of BT cards, are charged with 2% of the transfer value, min 2.5 lei;
6. Where can I view the transfers made through the BT Pay application?
You can view the transfers, as well as their status in the Transfers section. The successful transfer operations you will also see in the transaction history in the Card Details.
7. How to transfer money between own cards registered in the application
You can transfer money between your own enrolled cards. Transfers between own cards are possible only if the card accounts are different. The authorization of the transaction is made by entering the unlock password of the phone.
Transfers between own cards involving non-BT cards are possible only if the transfer from a non-BT card to a BT card is undertaken.
VII. Card details
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 in the currency of the card 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 details related to the respective card:
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 share it through messaging apps installed on your phone
3. What types of transactions can I view in my transaction history?
You can view transactions made for any of the BT cards added to BT Pay (or designated cardholder cards, as appropriate), for example: ATM cash withdrawals, deposits at BT ATMs, payments at merchant POS terminals, Internet payments, payments with the BT Pay app, installment transactions, STAR point transactions, transfers (sending or receiving money) made via the BT Pay app, certain types of credit. You will also be able to view the expenses made with the cards enrolled in the application, grouped by categories of expenses.
4. How can I view the card number and the related CVV code for the cards issued by BT, enrolled in the application?
You will have access to the information about the card number and the CVV code in the related section of Settings – Card Details, so that you can easily make online payments.
Access to this setting is allowed only after the validation of the user's right to access this functionality. In this regard, for each card for which it is desired to use this functionality, an SMS-OTP will be sent to the phone number declared to BT. By entering the code received by SMS on this phone number, it is allowed to obtain this information for that card until the moment when it will be 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 of category tracking of purchases made with BT cards?
BT Pay will automatically group all the transactions made with the card by domain, so that you can better track your expenses. Thus, you will see exactly how much cash you used (in the Cash category), how much the utilities cost, how much you spent on going out with friends in the city (in the Restaurant category) or how much that delicious dinner, cooked by you cost you (in the Supermarket category).
6. I have a STAR credit card. Can I find out and pay the monthly payment obligations?
>If you have enrolled a BT credit card issued per individual, you will view the minimum mandatory payment amount, the amount deposited, the amount remaining to be paid until the full repayment of the loan hired in the previous month, as well as the credit limit granted by the bank. At the same time, in order to be able to pay the payment obligation, you can:
set the automatic payment of the monthly obligations (the minimum and maximum payment amount) from the current account of the cardholder, the payment that will be made on the due date. If the due date is a non-working day, the monthly obligation will be debited on the previous working day. If you have more than one current account, the first account opened with 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 replenished or the automatic payment option is set outside the interval Monday – Saturday, 09 – 19 hours or on non-working days, the registration of the food and the option will be made on the next working day. Thus, if such an operation takes place on the due date (the 25th of each month) from a non-working day or from outside the above-mentioned interval, the user understands that the monthly payment obligation will not be made within the deadline.
7. Card Benefits
Select the desired card, enter the card settings and you will be able to see what additional benefits your BT card brings you
8. How do I set the transaction limits of the personal card/designated holder, if applicable?
The BT Pay application allows you to modify the transaction limits on BT cards, enrolled in BT Pay and physical, as well as their temporary or permanent blocking / unlocking. Access to these settings is allowed only by entering the code received by SMS on the phone number registered in the bank's records.
Once the validation is done, for each card added to the application, you have unlimited access to these options.
You will be able to set, for each card separately, daily limits, in a maximum value set by the bank on the type of card, for a period defined by you, but without exceeding 90 days. The limits that can be set by 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 the changes, and then press the Card Settings button.
The transaction limits set through the BT Pay application affect the physical cards.
9. What operations can I do with the 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;
Viewing the history of the expenses made with the card, as well as grouping them 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 offers you the possibility to receive offers in the application, you can view, save or activate them. Tenders may be:
shopping offers, for example: offers of partner merchants enrolled in the STAR program, intended either for all card users, or only for users of a certain type of card and offers of Transilvania Bank. The offers may be exclusive, intended for BT Pay users or may be general for all users of certain types of cards issued by Banca Transilvania;
moving prizes, which include special offers depending on the physical activity of the user performed with applications for monitoring physical activity and / or according to other criteria established in each offer, for example: payments made with the BT Pay application, with the card, with the sticker, etc.
This section can be accessed by adding your physical activity monitoring account to the BT Pay application. In order to unblock the offers and implicitly to be able to benefit from their advantages, you must comply with the requirements and thresholds mentioned in each offer, synchronize the bracelet with the respective application until the date of completion of the period mentioned in the offer and have at least one BT card issued in its name registered in the BT Pay application. Also, in this section, you will be able to view information about physical activity, for example: the number of steps, the number of kilometers traveled, the period of activity.
If you access this section, you also comply with the Terms and Conditions, as well as the Privacy Policy of the respective application and services. In order to view the offers, you must have an Internet connection.
11. How do I access the updating of personal data in BT through the BT Pay application?
In case of accessing this functionality, you will have the possibility to update some of the personal data necessary for the bank to apply the measures of customer knowledge from the BT Pay application.
VIII. Authentication of online payments through the BT Pay application
You will be able to authenticate online transactions made with the BT card enrolled in 3D Secure, from the BT Pay application. You will use one of the biometric elements (facial recognition or fingerprint) or another existing method of securing the phone.
In order to authenticate online transactions with BT Pay, it is necessary that the enrolled cards also allow the authentication of these transactions.
1. How do I enroll a BT card in 3D Secure BT Pay?
Following the registration process, the enrollment of the card in 3D Secure to authenticate online payments with BT Pay will be done automatically when adding the card to the application. It is possible that in certain situations you 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 the card in 3D Secure BT Pay, you can resume the process from the Card Settings.
3. I did not receive the OTP code. What can I do?
If you did not receive the OTP code from the first attempt, you can select the option Resend my code, an option valid for 3 consecutive attempts. If you still do not receive it, you can contact us at any time to check the phone number, at 0264 308 028 or *8028,callable numbers from any national network, fixed or mobile.
4. How can I unsubscribe from 3D Secure BT Pay?
In order to opt out of this way of authenticating online payments, it is necessary to delete the card from the BT Pay application. Once the card is deleted, you will authenticate the transactions using 2 passwords. We recommend that you keep the authentication of online transactions through BT Pay.
5. How do I authenticate BT Pay online payments?
After performing an online transaction on a secure 3D Secure site, you will be asked to authenticate / reject that payment. Within the authentication / rejection message of the user's payment, the following information will be displayed: the card from which the transaction was initiated, the name of the merchant and the amount.
You will be able to authenticate the transaction through the unlocking method of the phone. You have 5 minutes to authenticate or reject the transaction. You will then return to the merchant's website for checkout.
❗⠀ Authentication of the transaction does not mean its completion. To make sure the payment is completed, you will return to the merchant's page to see the status of the transaction.
❗⠀ Make sure you have general notifications enabled. You can check from the Notification – Notification Settings menu. If you have enrolled your card in multiple applications, you will receive notification on each device.
❗⠀ The enrollment of the card in the 3D Secure BT Pay system involves authenticating online transactions only with the application. You will no longer receive an OTP SMS for the validation of these types of transactions. It is necessary to have access to the Internet.
With your permission, you can automatically display the payment confirmation screen, without having to access the notification or the application, being able to confirm or cancel the payment by the unlocking method of the phone. This permission will be requested after the first confirmation of an online payment or it can be set from the advanced settings of the phone – applications section – BT Pay application.
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 through other BT Pay applications from which online authentication was allowed.
7. How much time do I have to log in to 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 the card is enrolled in 3D Secure BT Pay you will be able to authenticate the online transactions made with that card only through the BT Pay application. It will no longer be necessary to enter 2 passwords as before.
9. I blocked the physical card. Can I still authenticate online payments?
If you block the physical card, you can no longer use it for online payments. In such cases, no online payment authentication notifications can be generated.
10. What information is visible in the payment authentication screen?
When you initiate an online payment, a notification will be sent through the BT Pay application to all devices where the authentication functionality of online payments was allowed by the cardholder. All these devices will be displayed the following information related to the transaction: the card from which the transaction was initiated, the name of the merchant to whom the transaction was initiated and the amount of the transaction.
IX. Aka Pay
1. What is Alias Pay and who offers it?
Alias Pay is a payment service offered by Banca Transilvania in collaboration with Transfond and other banks in Romania that have adhered to the payment scheme "SPL" – Standardised Proxy Lookup, (hereinafter referred to as"participating banks"). This service will allow you to receive, based on the phone number, amounts in LEI (RON) in your personal BT account for which you have activated this service, from any client of a participating bank.
2. How do I activate alias pay?
To activate Alias Pay BT, you must be a BT customer who is a natural person who owns the account. You can activate this service through BT Pay in which we will verify your identity, through the 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 the IBAN account related to 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 alias pay service, any client of a participating bank can transfer amounts in RON to your BT account that you have attached to this service. You will enter in the payment application of the respective participating bank your phone number on which you have previously activated this service.
If you want to initiate a transfer through alias pay service, you will be able to perform the operation without using alias pay service. However, it will be necessary for the beneficiary of the transfer to have the active service through his 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: the amount of the transfer, payment details and the phone number of the transfer beneficiary;
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 the 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 a few seconds, 24 / 7. This type of transfer is possible between banks that have joined the Instant Payments technology. If the client belongs to a bank that has adhered to 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.
Alias Pay transfers are allowed from personal BT debit cards, attached to personal current accounts in RON.
5. Are there any limits on amounts for transfers?
Yes, transfers initiated based on the phone number, transfers by IBAN and transfers through Alias Pay are limited by daily thresholds on the card, both in 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.
7. Where can I view the transfers made through alias 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 the deletion of alias through the BT Pay application, section View Your Aliases. You will be able to start the alias pay enrollment process again.
9. Can I change the Alias already set?
If you want to change the IBAN account associated with alias pay, you can start the enrollment process again within Alias Pay and select another BT card that is attached to a different current account. Thus, the information initially saved will be overwritten.
If you want to change the phone number, it is necessary to delete the alias initially set and resume the enrollment process in Alias Pay.
10. Can I have more than one Alias?
Not. Only one association between the declared phone number and the associated IBAN account is allowed.
X. Granting and increasing the credit line for the credit card
1. What is the credit card option?
The credit card granting option is a service offered by Banca Transilvania. This service will allow you to apply for a credit card request and to obtain the credit card and the related line.
2. How do you access the credit card option?
Certain categories of users of the application, among those identified as customers of the bank, individuals, residents, who have a BT debit card issued on the personal account added to BT Pay (except for the BT meal card), and who do not have a STAR Forte credit card issued as a holder, will be able to view in the application the option of applying for the credit card.
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 phone number declared to the bank and of the email address, by entering the code received by SMS;
taking note of the fact that all the contractual documents and bank statements related to the credit card will be sent to you on the validated email address;
completion of certain personal data regarding: marital status, studies, profession, period of employment contract, group membership, payment obligations;
signing the anaf consultation agreement;
accepting the offer presented for issuing the credit card, including the maximum amount you can get, the specific costs of the credit card, visualizing the benefits of the credit card, including setting the option regarding the automatic performance of the minimum / maximum turnover or without automatic turnover;
to confirm the pick-up of the card from a BT agency or the sending of the issued card to an address mentioned by you as a user of the card;
going through the documents related to the credit agreement, taking note of them and signing them with the 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 my credit card application?
You will have at your disposal a maximum of 72 hours in which you can complete the credit card application. The first stage of completing certain information requested by BT and signing the agreement for consulting ANAF must be completed within 48 hours.
The second stage, from the moment of signing the agreement for ANAF consultation and until the moment of signing the contractual documents must be completed within a period of 24 hours.
If in any of the two stages the maximum term is exceeded, the user will resume the process of issuing a credit card from the beginning.
5. What software is used to sign documents?
The BT Pay application uses the services of Asseco and AlfaTrust. Through these integrations, the user signs both the documents necessary for consulting ANAF and the documents necessary for issuing the card and granting 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 fees for issuing a credit card?
Yes, the amount displayed in the proposed offer represents the maximum amount of the credit line that can be granted by BT. You can modify this amount by an amount less than the maximum amount.
9. At what address can the card be sent to home by post?
The card can be delivered both to the address in the identity card and to an address communicated by you during the online flow of granting the credit, in BT Pay.
10. What is the option to increase the credit card line?
The option of credit card increase is a service offered by Banca Transilvania. This service will allow you to request and, based on BT's decision, to obtain the increase of the credit line related to your credit card.
11. How do you access the option to increase the credit card line?
Certain categories of users of the application, among those identified as customers of the bank, individuals, residents, holders of credit card issued on the personal account added to BT Pay, will be able to view in the application the option of increasing the credit card line.
12. What are the stages of increasing the credit line related to the 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 phone number declared to the bank and of the email address, by entering the code received by SMS;
completion of certain personal data regarding: marital status, studies, profession, period of employment contract, group membership, payment obligations;
signing the ANAF consultation agreement.
accepting the offer presented for the increase of the credit line, the specific costs of the credit card, the visualization of the benefits of the credit card.
going through the documents related to the increase of the credit line, taking notice of them and signing them with the qualified electronic signature. The application of the qualified electronic signature will be made by entering the code received by SMS.
13. How much time do I have to complete the request for an increase in the credit line?
You will have at your disposal a maximum of 72 hours in which you can complete the request for the increase of the credit line. The first stage, of completing certain information requested by BT and signing the agreement for consulting ANAF, must be completed within 48 hours.
The second stage, from the moment of signing the agreement for ANAF consultation and until the moment of signing the contractual documents must be completed within a period of 24 hours.
If in any of the two stages the maximum term is exceeded, the user will resume the process of increasing the credit line from the beginning.
14. Can I change the amount of the credit line?
Yes, the amount displayed in the proposed offer represents the maximum amount of the credit line that can be increased by BT. You can change this amount by an amount lower than the maximum amount.
XI. Invoice Payments
1. What is the Invoice Payment Service?
Bill Payments is a service offered by Banca Transilvania. This service allows individual users to pay utility bills.
2. What operations can you do within the Invoice Payment service?
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 an invoice received from an approved utility supplier, without the aforementioned configuration;
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 can access the Invoice Payments functionality from the main screen of the application.
4. How do you connect the account in Pago?
If you are also a user of the Pago application, you will be able to import the data from your Pago account within the BT Pay application.
This option will be visible both at the first access and after the deletion of all connected suppliers.
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 related to the account in the Pago application together with this code, which was displayed in the Pago application;
If the code and email address are successfully validated, then your Pago account will be connected to BT Pay.
As a result of data import, the suppliers connected through the Pago application will be displayed, as well as the data about the invoices to be paid or those paid.
This data synchronization will be performed only when connecting the Pago account through the BT Pay application. There will be no more synchronizations of this data afterwards. Thus, any changes within the Pago application or within the Invoice Payment functionality of BT Pay 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 within BT Pay and confirm to us that you are aware of the related Information Note. Subsequently, you will have the opportunity to select the desired categories of suppliers.
After selecting the suppliers from the desired categories of suppliers, you will be able to connect each supplier separately by entering the login data required by each supplier.
You can connect to the same provider with different login details, so on several client accounts. As a result of this, the same provider will appear several times.
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, the customer's prior consent is required to access account data at the provider. In this case, when you initiate the connection to the supplier from the application, if you have not given your prior consent, 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 that need to be paid.
Invoices that have not already been paid will be viewable at the supplier level by choosing the supplier, or at the 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.
For any questions or inaccuracies regarding this information, you can contact the supplier issuing the invoice.
7. How do you pay an invoice?
You will be able to pay one or more invoices simultaneously, according to your choice.
The payment of the invoices will be possible only as the full payment of the respective invoice/invoices; no partial payments of an invoice can be made.
The payment of the invoices can be made from any account attached to a debit or credit card issued by Banca Transilvania, as an individual, enrolled in BT Pay. You will not be able to make bill payments with the meal ticket card.
The confirmation of the payment operation will be made by entering the method of unlocking the screen.
The payments are registered with the date of the day when the payment was made, the update of the payer's situation in the supplier's records is made according to the supplier's procedures, independently of the bank's control.
8. How do you scan and pay an invoice?
For certain suppliers you will also have the possibility to pay the invoice by scanning the bar code.
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 you want to pay. The data required to be entered by the user after scanning an invoice are specific to each supplier, according to his request.
The confirmation of the operation of paying a scanned invoice will be made by entering the method of unlocking the phone.
9. What is the cost charged by Banca Transilvania for the payment of invoices?
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 not connected.
If a supplier is deleted, you will be able to bring that supplier back.
The deletion is initiated by pressing the button / icon for deleting from the supplier details within the Invoice Payments service.
11. What are the options related to the Invoice Payment service?
For the invoice payment service offered in BT PAY, you can also opt for one of the existing options:
Free: is a free option, implicit, in which you can make up to four payments of invoices per calendar month, except for payments to suppliers marked by the specific symbol;
Invoices Plus: is an option paid monthly in advance for the following month, in the amount of 5 lei / month, in which you will be able to make a maximum of 8 payments of invoices per month, including suppliers marked with;
Unlimited Invoices: is an option paid monthly, in advance for the following month, in the amount of 15 lei / month, in which you will be able to make an unlimited number of invoice payments, including suppliers marked with.
You will be able to select an option after connecting at least one supplier account. The options are visible in the Settings section of BT Pay.
In case of selecting the option Plus Invoices or Unlimited Invoices, you will have to select your own card issued by Banca Transilvania on your name from the attached account to which the value of the selected option will be debited monthly. You will benefit from a testing period (also called the trial period)of 15 days, after which the first payment for the option will be made from the selected card. The value of the option will be withheld from the account attached to the card, regardless of whether you will achieve the payment number related to the respective option after the 15 days of testing. Thus, the first payment of the selected option will be made from the chosen 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 than 4 invoice payments during a calendar month or you want to connect a supplier marked with .
In case of changing the option type from Plus Invoices to Unlimited Invoices,at the time of the change, the cost difference between the Plus Invoices option and the Unlimited Invoices option for the current month will be charged.
In case of changing the option type from Unlimited Invoices to Plus Invoices,the benefits from the Unlimited Invoices option will remain active until the end of the invoiced month.
If at the time of any payment you no longer hold the card issued by Banca Transilvania in your name, selected for payment in the application, the option will be closed. If at the time of any payment the account balance is not sufficient, the Bank will try to debit the account within the next 3 calendar days. If the payment of the option cannot be made, the option will be closed; In case of closing the option in accordance with the above provisions, you will be informed about this by a notification in the application.
If you unsubscribe the trial period,and later you will subscribe again, on the date of subscription you will pay the cost of the selected option, as the free trial period is offered only once for the 15 days.
If you want to remove the paid option, you will be able to request it through the BT Pay application. The benefits for the current month will remain active until the end of the paid period.
In case of activating one of the Options Plus Invoices or Unlimited Invoices and deleting the BT Pay application, the selected option will not be automatically deactivated. It is necessary to consider canceling the option in BT Pay before deleting the application.
12. Will my subscription be imported from the Pago Application and into the Invoice Payments Service?
If there is an active subscription in the Pago application, it is not taken over in the BT Pay application. If you want to unsubscribe within the Pago application, follow the steps specific to this application.
13. How long does it take to confirm payments to the supplier?
Payments related to utility bills are settled in up to 3 working days. After confirmation, payments also appear at the suppliers with the day when they were operated within the Invoice Payments service.
14. Some information in the invoices is erroneous. What do I do?
The information in your invoices is taken from the online accounts of each supplier. In such cases, please contact the respective provider.
XII. Grant credit line in the form of overdraft
1. What is the overdraft option?
The option of granting overdraft is a service offered by Banca Transilvania. This service will allow you to apply for an overdraft line of credit.
2. How do you access the overdraft option?
In order to access the overdraft option, you must be identified as a client of the bank, a natural person, a resident, to have at least one BT debit card issued on your personal account, except for the BT meal card, to be between 18-60 years old, not to be an employee of the BT Financial Group and not to have an overdraft at 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;
validate the phone number declared to the bank and the email address, by entering the code received by SMS, respectively email;
you fill in certain personal data regarding: marital status, studies, profession, period of employment contract, group membership, payment obligations;
sign the ANAF consultation agreement;
you accept the offer submitted for the overdraft, including the maximum amount you can get, its specific costs, the visualization of the benefits;
go through the documents related to the credit agreement, being aware of them and signing them with the 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 overdraft application?
After you have filled in the requested information, within 48 hours you must proceed to the next step and sign the ANAF consultation agreement. In case you fail, your request will expire and you will have to resume the process from the beginning.
After you have signed the ANAF consultation agreement, make sure that you complete the entire process and sign the contract documents for the overdraft within 24 hours. If you do not meet this deadline, the ANAF agreement expires and you must resume the process from the beginning.
5. What software is used to sign documents?
The BT Pay application uses Asseco and AlfaTrust services. Through these integrations, the user signs both the documents necessary for the anaf consultation, as well as the contractual documents for granting the overdraft through the electronic signature.
6. How long does it take to access the credit line?
The credit line can be accessed immediately after the completion of the process and the signing of the contractual documents for the granting of the overdraft.
7. Can I change the amount of the credit line?
In the process, the amount displayed in the proposed offer represents the maximum amount of the credit line that can be granted by BT. You can modify it by a smaller 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.
XIII. Accounts
1. How do I add an account to BT Pay?
You can add a personal current account to BT Pay by accessing the "Accounts" section and following the steps to add the current personal 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 in a currency exchange transaction, 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 always have the possibility to remove an account from BT Pay, using the option Delete this account. Later, if you want to readaugi, it is necessary to resume the steps from point 1.
5. What can I do in the Accounts section? (option available only for individuals)
view BT PF accounts directly in 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.
In order to initiate a new payment, you can access the "New Payment" button where you will be able to choose the recipient from the list of recent transfers or saved beneficiaries. If you do not find yourself in either of the two possibilities, you have the possibility to initiate the payment to a new IBAN by pressing the "Send to a new person" button.
The "Transaction History" screen will display all completed and pending transactions. You can also search for a specific transaction, through the "search" function found in both the cards tab and the accounts tab.
9. How do I set up a recurring payment?
The recurring payment can only be set when you initiate a new transfer to another beneficiary. It will be possible only if there is enough balance to make the payment. Recurring payment can be set as weekly, monthly or bimonthly.
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 operation 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 applied by Banca Transilvania, displayed in real time in the BT Pay application, will be applied.
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 "Accounts" section, option "Foreign exchange".
13. Can the exchange rate change?
The exchange rate applied by BT is displayed in the application in real time and can be changed at any time until the customer signs the currency buy/sell order.
14. Do I have a limit on the amounts I want to buy/sell and what is the 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 pm, 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.
15. Can I list my BT Pay statement?
This functionality refers to the possibility for a user to generate an account statement belonging to a current account added in the BT Pay application, by clicking on the "Account statement" button and selecting the desired period.
XIV. Savings
1. What does the Savings functionality mean?
This functionality refers to the possibility for the user to view, constitute the savings products available in Banca Transilvania's offer for individuals, respectively to close/delete them.
2. Which customers are eligible to use this feature?
The functionality is only available to Banca Transilvania's client users, account holders, individuals, who are over 18 years old.
3. What types of operations can I perform within the Savings functionality?
If you don't own savings products:
In the "Savings" section you will be able to see the options of Savings accounts and Term deposits. From this screen you can initiate a 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. If you own several products of the same type - in different currencies, they will be displayed in different sections. Existing savings products are divided into categories: Savings accounts (including RoundUp), Term deposits, Collateral deposits.
4. How to set up a savings account?
Choose "+" 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 credited - enter the amount you wish to transfer to the savings account - choose "Confirm". You can also choose to transfer the desired amount of money on a recurring basis on a date of your choice.
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 your 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 closure option (at maturity / before maturity) - choose "close deposit".
XV. MTPL insurance
1. What is the MTPL insurance option?
This option allows BT individual customers to view offers and purchase MTPL 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 application you will be able to access the option directly from the main screen of the application: MTPL Insurance-> My Car.
3. What documents do I need to issue the MTPL policy?
Since the car data and the car owner data have to be filled in, the customer needs the car registration document and the owner's ID. In the application there is a document scanning function to streamline the data completion process.
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. This will display all insurance offers on one screen 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/her and make the payment of the amount indicated in the chosen offer.
5. How do I view the insurance policy issued?
After issuance, the customer will receive the insurance policy in PDF format on the e-mail address filled in to receive the purchased RCA insurance policy.
The customer receives an e-mail which is the confirmation of the issue of the MTPL Policy and contains all the data of the order launched, 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 chosen offer will be debited from the account to which the card to which payment is made is attached.
7. How long after payment is the insurance policy issued?
The insurance policy will be issued within 30 minutes from the moment of payment in BTPay and will be sent to the customer's e-mail address.
8. How long does Renomia refund the money in case of a return?
In case the client is in a situation where he/she has to receive a return of premium for the MTPL insurance policy, Renomia insurance broker will return the money to the client's account within a maximum of 2 working days.
9. In which case can I request the termination/cancellation of my MTPL insurance policy?
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 MTPL policy remains valid;
if the car is stored;
at the insurer's decision in the case of a request to amend an MTPL policy that has not become 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, contact Pago btrca@pago.ro.
11. What documents are required to terminate/cancel the MTPL 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 wrong (address, owner data, car registration number, driver data, etc.), the customer can request to change the data on the document issued by e-mail 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 the remaining amount being debited.
14. How long does it take to resolve requests for cancellation or modification of data on the MTPL insurance policy?
Requests for either termination or modification of MTPL insurance policies will be resolved within 5-7 working days by the insurers who issued the policy.
All the information regarding the claim will be communicated to you by Pago btrca@pago.ro and they will also send the necessary documents to the insurer and inform them about the claim.
15. What do I do if I don't receive my MTPL insurance policy by e-mail?
If the policy is issued but not emailed, the user can click on the "Resend" button and the policy will be emailed to the completed email address. The RCA insurance policies are sent within 30 minutes of issue.
16. What do I do if the MTPL insurance policy has not been issued even though I have filled in 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 with the documents in order to update the correct data (owner's identity card and car registration document).
XVI. Travel Insurance
1.What is the Travel Insurance option?
This option allows BT individual customers to view personalised offers based on their 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 available exclusively to BT individual customers, BT Pay users who meet certain eligibility requirements.
Within the BT Pay application, 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 the policy start period the customer will see a personalised insurance offer on a screen and the user has the possibility to choose the offer or request a new offer. Afterwards, the customer can make the payment of the amount indicated in the offer presented.
4.How do I view the insurance policy issued?
After issuance, the client will receive the insurance policy in PDF format on the completed and validated e-mail address.
The customer receives an e-mail which is the confirmation of the policy issue and contains all the 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 amount of the policy indicated in the chosen offer will be debited from the account to which the card to which payment is made is attached.
6. How long after payment is the insurance policy issued?
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.
XVII. BT Pay Kiddo
1. What is BT Pay Kiddo?
Functionality that gives the legal representative the possibility to grant permission to use BT Pay for minors aged 8-18 (hereinafter "minor"). This process is carried out exclusively online, at the end of which the legal representative is given a new "Kiddo" option on the main page of the BT Pay application, through which he/she can view and carry out certain transactions. The functionality is aimed at:
Minors aged 14-18;
Minors aged 8-18.
2. What conditions do I have to meet as a legal representative/guardian to activate BT Pay Kiddo?
To activate BT Pay Kiddo, the legal representative/guardian must have the BT Pay application for which the identification process has been completed and meet the conditions below:
For minors aged 14-18 with a bank account, the legal representative must be a natural person and must be authorized with a single signature on the minor's account;
For minors aged 8-18 years 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 8-18 years old not yet born attached to the parent's account:
To be at least 8 years old.
4. How do I activate BT Pay Kiddo?
As the parent/guardian/legal representative of a minor over 8 years of age ('the minor'), if you wish to allow them to access/use BT Pay for minors, you can do so 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, giving consent to the processing of the minor's biometric personal data aged 14-18, providing the minor's personal data consisting of the phone number declared to the bank on his/her account and the CNP of the minor aged 14-18, respectively the minor's phone number and CNP for those aged 8-18 not yet attached to the parent's account. Alternatively, for minors aged 14-18 you can also grant permission to use BT Pay for minors 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 app, the minor must download the BT Pay app from the AppStore/GooglePlay/Huawei App Gallery and follow the enrollment steps in the app.
For minors aged 8-18 years old not yet born attached to the parent's account:
In order to grant permission to 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 requested information, namely the personal number code, first name, last name and phone 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 stores mentioned above, using the phone number declared by the parent at the time of granting permission. The parent authorizes the installation of the application and the addition of the BT Kiddo card by the method of unlocking the phone from the BT Pay application itself and by an OTP code sent by SMS to the parent's number that the minor will enter in his/her application. Afterwards, the minor will have access to BT Pay functionalities dedicated to minors over 8 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 subject to the conditions set by the app provider, including 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 card spending by category;
RoundUp activation;
Activate offers in the Rewards on the move section.
For minors aged 8-18 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 the age requirements 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 your card;
Viewing balance;
View card charges and transaction history.
7. I am the legal representative/guardian and I 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 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 8-18 years old not yet reached attached to the parent's account: after issuing the card on the parent's sub-account and adding it to the child's application, the parent will have the following information and actions available in the "Kiddo" tab:
Change in transaction limits for children's cards;
Temporary or definitive blocking/unblocking of the card; adding money: the parent will select the card from which he/she wants to transfer money (only BT cards issued on the account of the holder are accepted, and the transfer will be done automatically on the child's card;
View sold card;
View transactions/transfers made by children.
8. For how many minors can I request access to the BT Pay Kiddo application?
For minors aged 14-18 years you can add a maximum of 5 minors;
For minors aged 8-18 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 the 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 8-18 years old, not yet reached and attached to the parent's account, the minimum limit for requesting money is 5 RON, and the maximum transfer limit per day (receiving money from 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 in a BT unit. After the update, you need to access the "BT Pay Kiddo" button to select the minor for whom you want to change and enter the new phone number. After following the steps in the 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 go to a BT unit together.
For minors aged 8-18 attached to 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 in a BT unit. After the update, you need to access the "BT Pay Kiddo" button to select the minor for whom you want to change and enter the new phone number. After following the steps in the 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 go to a BT unit together.
11. The minor has uninstalled the BT Pay app, I can still see the "Kiddo" tab
For minors aged 14-18:
In case of uninstallation of the application by the minor, the legal representative of the minor will be able to perform the operations mentioned above on the BT Pay Kiddo option. The BT Pay Kiddo option will no longer be displayed if the minor's BT Pay application does not have a BT card attached to his/her personal account.
For minors aged 8-18 years old not yet born attached to the parent's account:
In case the minor uninstalls the BT Pay application, his/her legal representative will continue to see his/her card in the BT Kiddo tab. The minor will be able to reinstall the application by resuming the initial installation steps and obtaining authorisation from the parent.
12. What happens when a minor turns 18?
Within 30 days of turning 18, the minor will be informed by a notification in the app about the limitation of access to BT Pay features for minors. When the minor turns 18, he/she will have to reinstall the app and go through the enrolment process using the newly issued ID card. The newly issued ID card must first be 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?
In order to open an account in the name of a minor, you need to present yourself at any BT unit with the minor aged 14-18, his/her ID card and birth certificate.
15. Is there a possibility of connection for the second legal representative (parent)?
For minors aged 14-18:
Yes. If a minor's legal representative has granted the minor permission to use BT Pay for minors, a second legal representative is always allowed to log in to the minor's BT Pay user account, provided that the second legal representative is also authorized to use the minor's account. The steps to be followed by the second representative are similar to those for the first representative.
For minors aged 8-18 years old:
A minor between 8-18 years of age who is not yet 18 years old can only get access to BT Pay from one legal representative.
16. How can a parent withdraw money for unmarried minors aged 8-18 attached to the parent's account?
The parent who created the connection can withdraw the money by clicking on the "Take money back" button.
XVIII. Move your money to BT
1. What is the "Move your money to BT" option?
Functionality that offers the BT Pay user the possibility to transfer income or other amounts that are on an account to which a non-BT card enrolled in BT Pay is attached, to an account to which an existing BT card in the wallet is attached.
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, 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 to set up the "Move your money to BT" option?
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 where 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 the non-BT card to the BT card, its details and will be able to choose 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 non-BT card issuer may charge fees for this type of transfer, so please check with your card issuer.
5. What are the transfer limits when using the "Move your money to BT" option?
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 the non-BT card to the selected BT card using the "Move your money to BT" option?
The transfer is made instantly on the date set by the user as the recurring date for transferring 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 the non-BT card is attached. If you do not have this amount, the transfer will not be made.
7. What happens to a recurring transfer set up from a non-BT card that was subsequently closed?
If at the time of the transfer, as per the 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 up via the "Move your money to BT" option by accessing the list of recurring transfers set up, selecting the desired transfer and swiping left to delete. The user has to confirm or cancel the deletion action.
XIX. Granting non-card credits
1. What is the non-card credit option in BT Pay?
The option of granting a non card credit is a service offered by Banca Transilvania that allows you to apply for a non card credit 100% online, based on simplified documentation.
2. How to access the non card credit option in BT Pay?
In order to access the option of granting a non card credit, you must be a resident individual, a BT customer, aged between 18-64 years old, not employed within the BT Financial Group and have declared your income to the National Tax Authority.
3. What non-card credit products can I access in BT Pay?
You can now apply for an unsecured personal loan through BT Pay.
You can configure your loan according to your needs. You can opt for a personal loan with or without included insurance, the interest rate can be fixed or variable and the monthly installments can be equal or decreasing.
4. How can I apply for a personal loan from BT Pay?
Applying for a personal loan can be initiated from the main menu of the BT Pay application, by accessing the "Loans" menu or from the "News" section, the "Personal loan" banner.
If you already have a loan from Banca Transilvania, in the "Loans" menu you will find the details of the contracted loan, and a simple slide on the screen will show you the option to apply for a personal loan.
5. What amount can I apply for a 100% personal needs loan online?
The minimum amount that can be paid through BT Pay is 5,000 Ron and the maximum amount cannot exceed 100,000 Ron.
6. How long can the 100% online personal needs loan be applied for?
The personal needs loan can be applied for a period between 1 and 5 years.
7. What are the steps involved in granting a personal loan?
Go to the "Loans" tab in the main menu of the BT Pay application or from the "News" section, click on the "Personal loan" banner and request a personal loan simulation;
You set up the loan and enter a series of information about: the amount requested, the period, the type of interest, the type of installments and the income collected on the account;
When you select the type of interest and the type of rates, a separate page will open with an informative note, which we recommend you to go through in order to choose the best option for you;
Analyze the offer of credit with insurance and the offer of credit without insurance, select the option best suited to your needs and apply for credit online;
Read the "Information on the processing of personal data" and express your consent to the processing of personal data and biometric data. If you have opted for a personal loan with insurance, your consent is required for the insurer to take over the payment of the balance or the monthly installment in case of an unforeseen event;
You confirm and validate the data in the CI or request an update if the data displayed in the application is no longer up to date;
Validate your e-mail address by entering the code you received by e-mail;
You fill in certain personal data related to: marital status, residential status, level of education, current profession, type of employment contract, payment obligations, date on which you wish to pay the monthly installment, group membership and declare whether or not you have other loans under analysis;
Take a selfie according to the instructions in the app;
You confirm that all the data entered is correct and sign the ANAF consultation agreement.If you have an ANAF agreement signed within the last 24 hours, the signing step will no longer be necessary;
Accept the offer presented for the personal loan. By accepting the offer you agree with the amount offered, the period of the loan and the related cost;
Go through the documents and electronically sign the credit documentation;
You will receive the electronically signed documents on your previously confirmed e-mail address.
8. How much time do you have to finalize your credit application?
Once you have filled in the requested information, in maximum 24 hours you have to go to the next step and sign the ANAF consultation agreement. If you fail, your application will expire and you will have to start the process from the beginning.
After signing the ANAF consultation agreement, it is necessary to sign the contractual documents related to the personal loan within 24 hours. If you fail to do so, your application will expire and you will have to start the process from the beginning.
9. What software is used for electronic signature of documents?
The BT Pay application uses Asseco and AlfaTrust services for electronic signing of documents with qualified electronic signature.
10. How much time do you have to finalize your credit application?
You will receive a notification from the bank when money has been transferred to your account.
The amount granted can be accessed in just a few minutes after finalizing the process and signing the contractual documents for the personal loan.
Application functionalities
Application functionalities
BT cards for individuals
BT cards for legal entities
Non-BT cards
Quickly add your card to Apple Pay
m
m
r
Online payment authentication by BT Pay
m
m
r
Activate BT cards via BT Pay
m
m
r
Contactless payment via Apple Pay
m
m
r
Money transfers between own cards*
m
r
m**
Money transfers to other users*
m
r
m**
Transfers to IBAN*
m***
r
r
Activate a Alias Pay service
m***
r
r
Transfer initiation via Alias Pay
m***
r
r
Status of transfers made through BT Pay
m
r
m
Withdrawal from ATM based on code*
m
r
r
Contactless ATM withdrawal
m
m
r
View balance
m
m
r
View STAR points balance for STAR cards
m
r
r
Open Banking
r
r
m
Viewing the details related to the transactions in installments
m
m
r
View the transactions made with the card and their grouping by categories of expenses
m
m
r
View card benefits
m
m
r
View monthly obligations credit cards and their payment – anytime from the cards added to the application or automatically,at the due date, from the current account of the holder
m
r
r
Closing installments
m
r
r
Setting daily card transaction limits added to the application
m
r
r
Temporary or permanent blocking of the card
m
m
r
Unlock the card temporarily blocked
m
r
r
STAR offers, Banca Transilvania & moving prizes
m
m
m
View card details (card number, CVV, expiration date, IBAN code related to the card)
m
m
r
Credit card granting
m
r
r
Overdraft credit line grant
m
r
r
Invoice Payments
m*
r
r
Card Issue or Reissue
m***
r
r
Activate Round Up
m***
r
r
Card Virtual
m***
r
r
Credit card line increase
m
r
r
BT Pay Kiddo
m
r
r
RCA Insurance
m
r
r
Travel Insurance
m
r
r
Move your money to BT
m
r
r
Accounts
m
r
r
Savings
m
r
r
Payments assess
m
r
r
Issuer Mastercard Direct (Euro)
m
r
r
Onboarding
m
r
r
SIM card reloading
m
r
r
View non-card credits
m
r
r
Bank statements
m
r
r
Buying a Rovinieta
m
r
r
Investments
m
r
r
Issue non-card credits
m
r
r
*except for the BT meal ticket card;
**it is allowed only the transfer from a non-BT card to a BT card. If a transfer from a non-BT card is initiated to another BT Pay user, the latter can accept the money only on a BT card. Functionality is allowed only for debit or credit cards issued on accounts owned by individuals;
***possible operation from debit cards, attached to current accounts in lei.
**** The displayand availability of the features listed in the table may differ depending on: the version of the application that the user owns, the client category or the date of installation/reinstallation of the application.
Shopping cards
Cards in lei
The Youth Card
, it will be necessary to activate one of the paid options.