Zero commission on payments and receipts
Free payments in Lei to other banks via online channels and a world of services at your fingertips with the BT Pay app.
International Business Lounge
Complimentary Priority Pass membership and 4 complimentary entries per year for comfortable and exclusive travel.
Complete insurance package
Accident insurance and roadside assistance so you can continue your journey safely in all circumstances.
24/7 dedicated team
Dedicated specialist for all your needs: questions about products, cards, investments, or loans. Available 24/7, no waiting time.
Benefit from the
Premium Club program
If you earn a monthly salary of at least 10,000 lei or have 75,000 euros in accounts opened with us, let's discuss the potential of your finances. Premium Club members enjoy all the benefits for only 30 lei/month, but if your status changes, your subscription remains active at 60 lei/month, retaining all the benefits of the subscription.
The benefits of a subscription
Premium cards
Premium Flow
Your everyday Premium card, with travel insurance, access to lounges worldwide, and roadside assistance in Romania and Europe.
Star Platinum
The super premium shopping card that gives you:
10% cashback when shopping at Star.
Up to 18 interest-free installments on over 30,000 Star partners.
Access to over 1,700 VIP lounges or Business Lounges worldwide with the Priority Pass card. Cost: €26/person/access.
BT Flying Blue Premium
Do you love to travel? Then you'll make a great team with BT Flying Blue.
You get up to 4,000 Welcome Miles
Earn 2 Miles for every 5 lei spent at Air France, KLM and Tarom and 1.3 Miles for every 5 lei spent in Romania
Get up to 18 interest-free installments on over 30,000 Star partners.
Dedicated investment solutions
Invest easily and 100% online in BTAM funds, directly from BT Pay. You have access to conservative, moderate, or dynamic funds, with no fees and the ability to track performance in real time. An intuitive process, quick access, and professional management.
You have access to government securities on both the primary and secondary markets, both domestically and internationally. Your Premium Relationship Manager assists you with selecting and placing orders. An excellent solution for portfolio stability and diversification.
You can invest in international markets through BT Trade or with the support of a dedicated broker. You’ll benefit from preferential commissions and expanded access to globally listed instruments. Ideal for diversified portfolios and investors seeking global exposure.
RAPID HELP
You get a fully digital process, quick access to all BTAM funds, and the ability to track your portfolio’s performance in real time. Everything is integrated into BT Pay, alongside BT’s other products.
BTAM funds are professionally managed and cater to all types of investors. You can start with small amounts, easily diversify your portfolio, and choose the exposure that best suits your financial goals, in RON, EUR, or USD.
Direct Invest is a simple solution for automated investing. You choose an amount and a day of the month, and the app invests for you. It’s ideal for those who want to build financial discipline without having to monitor the market every day.
Winnings are subject to withholding tax in accordance with applicable law:
- 3% for securities held for more than 365 days
- 6% for securities held for less than 365 days
Everything is handled automatically, so you don't have to worry about a thing.
You speak with your Premium Relationship Manager, receive the current list of securities available on the market (primary and secondary), and the RM helps you place your order. The process is fast, guided, and personalized.
Government bonds are considered low-risk instruments, backed by the Romanian government. The interest rate is known from the outset and is paid annually until maturity. You can purchase them on both the local and international markets.
And the most important part: income from government bonds is tax-free.
Yes. In Bucharest, Cluj, Brașov, Timișoara, Constanța, and Oradea.
Here, you’ll be welcomed into a premium environment and have access to personalized financial advice from a dedicated manager.
You have a personal banker who helps you manage your relationship with the bank, personalized information about savings and investments, premium cards, and fee-free transactions in lei. Plus, travel benefits and insurance are included.
Premium Club brings you:
- Free access to the lounges in Bucharest and Cluj-Napoca for you and a guest (provided you meet the eligibility requirements).
- 4 free entries per year to international lounges through Priority Pass.
- Special rate of 30 EUR for additional accesses.
You will receive:
- 4 free entries per year to international lounges (cardholder + one guest combined)
- Free access to the lounges in Bucharest and Cluj-Napoca for the cardholder and one guest, provided the conditions are met.
With the Visa Platinum Debit Card, you get:
- international travel insurance (medical emergencies, trip cancellations, lost luggage);
- accident insurance for you and your family;
- roadside assistance in Romania and most European countries (towing, replacement vehicle, accommodation, etc.).
The Premium Club subscription costs:
- 30 lei/month if you meet the eligibility criteria
- 60 lei/month if you are no longer eligible but wish to keep your subscription
You can keep your subscription for 60 lei/month and continue to enjoy all the benefits of the Premium Club.
With your Premium RM: expert advice, quick solutions, and personalized information.
With BT Pay: view your Premium cards, manage transactions, access BTAM funds, Round Up, benefits, offers, and subscription updates.
Via VRM: fast remote support.
More than dedicated products
Maybe you're planning to invest in a property, open a term deposit or want to protect your loved ones from the unexpected. What's more, you can benefit from more favorable terms on your transactions through deposits and negotiated exchange rates.
