1. Transfers between own RON and foreign currency accounts
These are processed 24 hours a day, 7 days a week, as follows:
Internal transfers sent from Monday to Saturday after 8:00 PM, on Sunday, and on non-working days will be processed instantly, the accounting balance will be affected as of the first banking business day, and they will appear on the statements of the first banking business day.
For credit card accounts held by individuals, the monthly due date is considered to be the 25th (twenty-fifth) of each month. If this day falls on a non-working day, the borrower (cardholder) is required to make the minimum payment deposit by the nearest working day before the mentioned date, no later than 8:00 PM.
Transfers sent without funds are automatically declined.
2. Payment order in RON - interbank and intrabank
These are processed 24 hours a day, 7 days a week
Internal transfers sent from Monday to Saturday after 8:00 PM, on Sunday, and on non-working days will be processed instantly, the accounting balance will be affected as of the first banking business day, and they will appear on the statements of the first banking business day.
2.1 Interbank payment order in RON
Low-value payments addressed to commercial banks in Romania (under 50,000 lei) processed Monday to Friday by 1:00 PM on business day T will be submitted to the electronic clearing system on the same day; those processed after 1:00 PM will be submitted to electronic clearing on business day T+1; high-value payments addressed to commercial banks in Romania (equal to or above 50,000 lei) or marked as urgent, processed Monday to Friday by 3:00 PM on business day T will be submitted to the electronic clearing system on the same day; those processed after 3:00 PM will be submitted to the electronic clearing system on day T+1; interbank payments in lei processed on Saturday (a non-banking business day), Sunday, or on non-working days will be posted to the account and submitted to the electronic clearing system on day T (the next banking business day);
2.2 Instant interbank payment orders
Instant interbank payments are processed 24/7 up to a maximum limit of 49,999.99 RON, through electronic channels, to an account opened at a bank that has joined the Instant Payments System.
2.3 Intrabank RON Payment Orders - processed 24/7, 7 days a week.
BT-BT intrabank transfers sent from Monday to Saturday after 8:00 PM, on Sunday, and on non-working days will be processed instantly; the accounting balance will be updated on the first banking business day and will appear on the statements of the first banking business day.
2.4 Utility payments to collection accounts at Banca Transilvania processed 24/7; for transactions signed Monday to Friday after 8:00 PM, Saturday after 1:30 PM, Sunday and on non-working days, the account balance is affected instantly, the transaction will be recorded in the account with the date of the next banking business day.
Transfers sent without funds are automatically declined.
3. Foreign currency payment order - interbank and intrabank
These are processed 24 hours a day, 7 days a week, as follows:
3.1 Interbank currency payment order
Interbank foreign currency payment orders, processed urgently during day T between 09:00 and 15:00, will be settled with value date T at the latest, while those processed after 15:00 on the same day will be settled with value date T+1; interbank foreign currency payment orders processed during day T between 09:00 and 18:00 will be settled with value date T+2 at the latest for slow currencies, and T+1 for EUR, USD, GBP; interbank foreign currency payment orders received outside the above intervals will be processed 24/7 and entered into the settlement cycle on the next banking business day according to the first two points above.
3.2 SEPA Payment Order
SEPA payments signed on day T will be sent to the beneficiary bank on the next working banking day (T+1) and will be displayed as follows:
- in the statement generated for day T if the transaction was signed from Monday to Friday by 5:00 PM.
- in the statement generated for day T+1 (the next business day) if the transaction was signed Monday to Friday after 5:00 PM, on Saturday or Sunday, or on non-working days.
3.3 Instant interbank payment order in EUR
Instant interbank payments in EUR are processed 24/7 up to a maximum limit of 10,000 EUR, through electronic channels, to an account opened at a bank in the SEPA area that has joined TIPS (Target Instant Payment Settlement).
3.4 Intrabank foreign currency payment order, regardless of amount - processed 24 hours a day, 7 days a week.
Transfers sent without funds are automatically declined.
4. Payment order to the State Treasury
These are processed 24 hours a day, 7 days a week, as follows:
Low-value payments (under 50,000 lei) with the State Treasury as beneficiary processed on day T by 1:00 PM will be presented for clearing the same day; those processed after 1:00 PM will be presented in the electronic clearing system on day T+1; high-value payments (over 50,000 lei) or those marked as urgent, with the State Treasury as beneficiary processed on day T by 3:00 PM will be presented for clearing the same day; those processed after this time will be presented for clearing on day T+1. Transfers sent without funds are automatically rejected.
5. Foreign Exchange and Currency Conversions
These are processed 24 hours a day, 7 days a week, as follows:
De luni pana vineri - in intervalul orar 9:00 - 17:30 fara limita de suma; intre orele 00:00 - 09:00 si 17:30 - 24:00 in limita sumei de maxim 265.000 lei/zi (echivalent alta valuta).
Negotiated currency exchanges and conversions are processed Monday to Friday, between 9:00 AM and 5:30 PM.
6. Deposit opening / closing order
Processing is done Monday to Friday, between 04:50 and 19:00, Saturday between 04:50 and 13:30, Sunday and non-working days 04:50 to 24:00.
Negotiated deposits can be opened from Monday to Friday, between 9:00 AM and 5:30 PM.
Negotiated deposit liquidations are processed Monday to Friday, between 4:50 AM and 7:00 PM, Saturday between 4:50 AM and 1:30 PM, Sunday and non-working days from 4:50 AM to midnight.
Negotiation can be made for amounts over 100,000.00 RON, 25,000.00 EUR, 25,000.00 USD, 22,000.00 GBP, or 7,000,000.00 HUF.
Settlement orders for negotiated deposits, completed after the cut-off time, will be processed on the next banking day. Under these conditions, the authorization of these orders remains at the client’s discretion, who may either authorize them on the current day or wait until the next banking business day.
7. Mobile Top-ups
Processed 24 hours a day, 7 days a week.
BT Pay Fees
1. Commission-free transactions
- transfers between own accounts (opened at Banca Transilvania under the same client code), except for transfers from credit cards
- currency exchanges
- deposit formations
- utility payments to collection accounts at Banca Transilvania
- payments in RON and foreign currency to beneficiaries with accounts opened at Banca Transilvania
2. RON Payment Fees
Interbank payments made through the Internet Banking service: in installments, depending on the transaction amount, as follows (including BNR fee):
| Transaction | Currency | Commission value |
| 0 - 999.99 lei | RON | 2.5 lei |
| 1,000.00 - 49,999.99 lei | RON | 5 lei |
| >=50,000 LEI | RON | 10 lei |
| Urgent payments | RON | 10 lei |
The fees charged by Banca Transilvania for interbank transactions include the TRANSFOND and NBR fees, charged by the two entities as administrators of the SENT and REGIS clearing systems, respectively, as follows:
- For collections made using debit payment instruments through electronic clearing, the TRANSFOND fee is 0.88 lei per collection
- For refused debit payment instruments, the TRANSFOND fee is 0.55 lei/refusal
- For payments by bank transfer order, the fees charged by TRANSFOND and BNR are:
- 0.51 lei/ payment for transactions between 0 - 49,999.99 lei, TRANSFOND fee for processing via the SENT system
- 0.51 lei/ payment for transactions between 0 - 49,999.99 lei, TRANSFOND fee for processing via the TIPS system
- 6.00 lei/payment for transactions > 50,000 lei (inclusive) or any amount settled urgently, BNR fee for processing via the ReGIS system
3. Currency Payment Fees
| Payment type | Transfer | Commission value |
| Non-SEPA Payments | - | 0.10% of the amount, minimum 15 EUR, maximum 600 EUR (SWIFT fee included) |
| SEPA Payments | 1,000.00 lei equivalent in EUR | 2.50 lei equivalent in EUR |
| >=1,000.00 – 50,000.00 LEI equivalent in EUR | 5 lei equivalent in EUR | |
| >50,000.00 LEI equivalent in EUR | 10 lei equivalent in EUR | |
| Instant payment in EUR | 1,000.00 lei equivalent in EUR | 2.50 lei equivalent in EUR |
| >=1,000.00 – 50,000.00 LEI equivalent in EUR | 5 lei equivalent in EUR |
SEPA payment is a payment that cumulatively meets the following conditions:
- this is a payment in EUR;
- this is a payment ordered under the “normal” regime (non-urgent), with SHA commission;
- the beneficiary bank is a bank from one of the EU and EEA countries and has joined the SEPA payment schemes.
SEPA countries consist of:
- Member States of the European Union:
- Eurozone countries: Austria, Belgium, Cyprus, Croatia, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, the Netherlands, Portugal, Spain, and Slovenia;
- Non-euro area countries: Bulgaria, Czech Republic, Denmark, Latvia, Lithuania, Hungary, Poland, Romania, Slovakia, and Sweden;
- Member states of the European Economic Area (European Economic Area – EEA): Iceland, Liechtenstein, Norway;
European countries outside the European Union (EU) and the European Economic Area (EEA): United Kingdom, Switzerland, Monaco, Moldova, Albania, Serbia, Montenegro, and North Macedonia. SEPA will also extend to the following territories, considered part of the European Union (Art. 299 Treaty of Rome): Martinique, Guadeloupe, French Guiana, Réunion, Gibraltar, Azores, Madeira, Canary Islands, Ceuta and Melilla, and the Åland Islands.
For SEPA payments, Banca Transilvania will not charge a correspondent bank fee.
Processing and urgent communication fee for foreign currency payments:
| 1 - 150,000 EUR | 25 EUR / payment |
| > 150,000 EUR | 75 EUR / payment |
The processing and urgent communication fee is charged together with the fees related to the transaction. The transaction charged as urgent is executed with the same-day value date or the next business day value date (for payments made between 9:00 AM and 6:00 PM), and the final SWIFT message is sent to the branch on the day the transaction is carried out.
NOTE: In addition to Banca Transilvania's fees, for foreign currency payments to other banks, in the case of transfers with the SHA option (excluding SEPA payments) and OUR, correspondent bank fees will apply, the amount of which is determined by those banks.
| Foreign currency payment changes / cancellations | 30 EUR |
PSD payments (Payment Services Directive to European countries)
Include payments to DSP countries.
DSP Countries: Austria, Belgium, Bulgaria, Cyprus, Croatia, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, United Kingdom, Norway, Netherlands, Poland, Portugal, Czech Republic, Romania, Slovakia, Slovenia, Spain, Sweden, Hungary.
Foreign currencies used at Banca Transilvania: Danish krone (DKK), Swiss franc (CHF), British pound (GBP), Norwegian krone (NOK), Polish zloty (PLN), Czech koruna (CZK), leu (RON), Swedish krona (SEK), Hungarian forint (HUF).
WARNING: DSP payments can only be made with SHA fees. Payments under DSP cannot be made with OUR or BEN fee arrangements.
For non-DSP** and non-SEPA payments, intermediary banks' fees are communicated to clients and deducted after the payment is made; these will be borne as follows:
- in case of payments with the "OUR" option by the BT client ordering the payment;
- in the case of payments with the "BEN" option by the payment beneficiary;
- In the case of payments with the "SHA" option, the payer covers the correspondent bank fee of BT, while the other fees are borne by the beneficiary.
Correspondent bank fees for payments under DSP
| Currency | Fee type | Commission floor |
| CHF | SHA | 14.5 CHF |
| CZK | SHA | 200 CZK |
| DKK | SHA | 15 DKK |
| GBP | SHA | 3 GBP |
| HUF | SHA | 1500 HUF |
| PLN | SHA | 5 PLN |
| SEK | SHA | 60 SEK |
| RON | SHA | 7 RON |
| NOK | SHA | 100 NOK |
| AUD | SHA | 9 AUD |
| JPY | SHA | 600 JPY |
| CAD | SHA | 6 CAD |
| MDL | SHA | 5 MDL |
| USD | SHA | 3 USD |
Other fees charged when initiating the payment:
If the OUR commission method is selected for NON DSP and NON SEPA payments, the following fees apply:
- Payments in EUR - the correspondent bank fee is 22 EUR
- Payments in USD - the correspondent bank fee is 15 USD
- For foreign currency payments that require modifications (e.g., mismatch between beneficiary name and account, beneficiary account and currency sent), the beneficiary bank may charge an additional fee (repair charges); in this case, the fee requested by the beneficiary bank / modified foreign currency payment is communicated to BT clients and subsequently deducted after the payment is made, as received from the beneficiary bank.