1. Non-commissioned operations
- transfers between own accounts (opened at Banca Transilvania under the same client code)
- currency exchanges
- constitutions of the deposit
- utility payments to collection accounts at Transilvania Bank
- payments in lei and foreign currency to beneficiaries with accounts opened at Banca Transilvania
List of utility providers with accounts opened at Banca Transilvania to which bills can be paid free of charge can be found in the Utilities Payments section of the application.
2. Commissions payments lei
Interbank payments carried out through the BTGo Internet Banking service: in installments, depending on the value of the operations, as follows:
The fees charged by Banca Transilvania for interbank transactions include the TRANSFOND fees charged by the two entities as administrators of the SENT and REGIS clearing systems, respectively, as follows:
- For collections made on the basis of debit payment instruments through electronic compensation, the TRANSFOND commission is 0.88 lei / collection;
- For rejected debit payment instruments, the TRANSFOND commission is 0.55 lei / rejection;
- For payments by payment order, the fees charged by TRANSFOND are:
- 0.51 lei / payment for transactions between 0 - 49,999.99 lei, TRANSFOND commission for processing through the SENT system;
- 6.00 lei / payment for transactions > 50,000 lei (inclusive) or any amount settled urgently for processing through the ReGIS system.
- For instant payments, the Transfond fee is 0.45 lei/payment, and for collections, the Transfond fee is 0 lei.
3. Currency payment commissions
Non-SEPA payments
0.10% of the amount, minimum 15 EUR, maximum 600 EUR (SWIFT/TRANSFOND commission included)
SEPA Payments
In tranches, depending on the value of the operation:
Instant interbank payments in EUR to an account opened at a bank in the SEPA area that has joined TIPS (Target Instant Payment Settlement), in installments, all in euro equivalent
SEPA Payment is the payment that cumulatively meets the following conditions:
- it is a payment in EUR;
- it is a payment ordered under the "normal" regime (without urgency), with SHA commission;
- the beneficiary bank is a bank from one of the countries in the SEPA area and has adhered to the Sepa payment schemes.
SEPA space is composed of:
- Member states of the European Union:;
- Eurozone countries: Austria, Belgium, Cyprus, Croatia, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain, and Slovenia;
- Non-euro area states: Bulgaria, Czech Republic, Denmark, Latvia, Lithuania, Hungary, Poland, Romania, Slovakia, Sweden;
- Member States of the European Economic Area (European Economic Area – EEA): Iceland, Liechtenstein, Norway;
- Non-EEA countries (European Economic Area) that are part of SEPA: Switzerland, Monaco, Albania, Andorra, Moldova, Montenegro, North Macedonia, San Marino, Serbia, United Kingdom, Vatican.
SEPA will also expand to the following territories, considered part of the European Union (Art. 299 Treaty of Rome): Martinique, Guadeloupe, French Guiana, Reunion, Gibraltar, Azores, Madeira, Canary Islands, Ceuta and Melilla, and the Aland Islands.
In the case of SEPA payments, Banca Transilvania will not charge a correspondent bank fee.
Processing and communication commission in emergency mode for making payments in foreign currency 30 EUR
The processing and urgent communication fee is charged together with the fees related to the operation. The urgently commissioned operation is carried out with the same day value date or the next working day value date (for payments made between 09:00 - 18:00), and the final swift message is sent to the branch on the day the operation is performed.
NOTE: In addition to the commissions of Transilvania Bank, in the case of foreign currency payments to other banks, in the case of transfers with the SHA option (excluding SEPA payments) and OUR, correspondent bank fees will be charged, the amount of which is determined by them.
4. DSP Payments ** (payments to countries in Europe) - include payments to DSP countries in DSP currencies.
** PSD - Payment Services Directive:
DSP Countries: Austria, Belgium, Bulgaria, Cyprus, Croatia, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Great Britain, Norway, Netherlands, Poland, Portugal, Czech Republic, Romania, Slovakia, Slovenia, Spain, Sweden, Hungary.
DSP Coinsused in 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 under BEN fee regime.
For non-DSP** and non-SEPA payments, the fees of intermediary banks are communicated to customers and are withheld after the payment is made; these will be borne as follows:
- In the 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 payment originator bears the correspondent bank commission of BT, the rest of the commissions being borne by the beneficiary.
Correspondent bank fees for payments under DSP*** are:
Other commissions charged at the initiation of the payment:
In case the OUR commission mode is selected for NON DSP and non SEPA payments, the following commissions are charged:
- 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 amendments (e.g. discrepancy between the name and beneficiary account, beneficiary account and currency sent) it is possible that the beneficiary bank will withhold an additional fee (repair charges); in this case, the fee requested by the beneficiary bank / amended foreign currency payment is communicated to BT customers and is withheld after the payment is made, as they are received from the beneficiary bank.
