1. Non-commissioned operations
- transfers between own accounts (opened at Banca Transilvania under the same customer code)
- currency exchanges
- deposit establishments
- utility payments to collection accounts from Transilvania Bank
- payments in lei and foreign currency to beneficiaries with accounts opened at Banca Transilvania
List of utility suppliers with accounts opened at Banca Transilvania to whom bills can be paid free of charge can be found in the Utility Payments section of the application.
2. Fees for payments in lei
Interbank payments carried out through the BTGo Internet Banking service: in installments, depending on the value of the operations, as follows:
| 0 – 50,000 LEI | 5.00 LEI |
| >= 50.000.00 LEI | 10.00 LEI |
| Urgent payments | 10.00 LEI |
| Instant payments | 5.00 LEI |
The commissions charged by Banca Transilvania for interbank transactions include the TRANSFOND commissions charged by the two entities as administrators of the SENT and REGIS clearing systems, respectively, as follows:
- For collections made based on debit payment instruments through electronic support compensation, the TRANSFOND commission is 0.88 lei / collection;
- For declined debit payment instruments, the TRANSFOND fee is 0.55 lei / refusal;
- 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 SENT system;
- 6.00 lei / payment for transactions > 50,000 lei (inclusive) or any amount settled in emergency processing mode through the ReGIS system.
- For instant payments, the Transfond fee is 0.51 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:
| from 0 to 50,000 LEI in EUR equivalent | 5.00 LEI in equivalent EUR |
| for amounts ≥ 50,000.00 LEI in EUR equivalent | 10.00 LEI equivalent in EUR |
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 tranches, all in euro equivalent
| from 0 to 50,000 LEI in EUR equivalent | 5.00 LEI in equivalent EUR |
| for amounts ≥ 50,000.00 LEI in EUR equivalent | 10.00 LEI equivalent in EUR |
SEPA Payment is the payment that cumulatively meets the following conditions:
- it is a payment in EUR;
- this 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 joined the Sepa payment schemes.
SEPA Area consists of:
- Member States of the European Union:;
- Euro area 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 Space) that are part of SEPA: Switzerland, Monaco, Albania, Andorra, Moldova, Montenegro, North Macedonia, San Marino, Serbia, Great Britain, 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 Åland 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 operation commissioned on an urgent basis is carried out with the same day value date or the value date - the next working day (for payments made between 09:00 - 18:00), and the final swift message is sent to the branch on the day the operation is carried out.
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 (except SEPA payments) and OUR, commissions of correspondent banks will be charged, the amount of which is determined by them.
| Changes / cancellations of currency payments | 30 EUR |
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), pound sterling (GBP), Norwegian krone (NOK), Polish zloty (PLN), Czech koruna (CZK), leu (RON), Swedish krona (SEK), Hungarian forint (HUF).
ATTENTION: DSP payments can only be made with SHA commissions. Payments under DSP cannot be made under BEN commission regime.
For non-DSP** and non-SEPA payments, the fees of intermediary banks are communicated to clients and are withheld after the payment is made; they 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 payer bears the fee of BT's correspondent bank, the rest of the fees being the responsibility of the beneficiary.
Correspondent bank commissions for payments under DSP*** are:
| Currency | Type of commissioning | Commission value |
| CHF | OUR | 14.5 CHF |
| SHA | 14.5 CHF | |
| CZK | OUR | 0.5 %, min. 200CZK, max. 2,000 CZK |
| SHA | 200 CZK | |
| DKK | OUR | 15 DKK |
| SHA | 15 DKK | |
| GBP | OUR | 12 GBP |
| SHA | 3 GBP | |
| HUF | OUR | 1500 HUF |
| SHA | 1500 HUF | |
| PLN | OUR | 10 PLN |
| SHA | 5 PLN | |
| SEK | OUR | 60 SEK |
| SHA | 60 SEK | |
| NOK | OUR | 100 NOK |
| SHA | 100 NOK |
Other fees charged at the initiation of the payment:
In case the commission mode OUR is selected for NON DSP and non SEPA payments, the following fees are charged:
- Payments in EUR - the corresponding bank fee is 22 EUR
- Payments in USD - the correspondent bank commission is 15 USD
- For foreign currency payments that require modifications (e.g. discrepancy between the name and beneficiary account, beneficiary account and sent currency), it is possible that the beneficiary bank will withhold an additional commission (repair charges); in this case, the commission requested by the beneficiary bank / modified foreign currency payment is communicated to BT clients and subsequently withheld after the payment is made, as they are received from the beneficiary bank.
1. Transfers between own accounts in lei and foreign currency - are processed 24 hours a day, 7 days a week.
Internal transfers sent from Monday to Saturday after 8:00 PM, Sunday, as well as those sent on non-working days will be processed instantly, the accounting balance will be affected with the date of the first banking working day, and they will be found on the statements of the first working banking day.
In the case of credit card accounts held by individuals, the monthly due date is considered to be the 25th (twenty-fifth) of each month. If this day is a non-working day, the borrower (cardholder) is obliged 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 from Monday to Friday, after 17:30, on Saturday and Sunday after 11:30 are automatically refused.
2. Payment order in lei – interbank and intrabank – processed 24 hours a day, 7 days a week, as follows:
2.1 Interbank payment order in lei
Low-value payments addressed to commercial banks in Romania (under 50,000 lei) processed from Monday to Friday, until 1:00 PM on the working day T, will be presented in the electronic clearing system on the same day; W Those processed after 1:00 PM will be presented in the electronic clearing on working day T+1; High-value payments addressed to commercial banks in Romania (over or equal to 50,000 lei) or those marked as urgent, processed from Monday to Friday, until 3:00 PM on working day T, will be presented in the electronic clearing system on the same day; Cle those processed after 3:00 PM will be presented in the electronic clearing system on day T+1; Interbank lei payments processed on Saturday (non-banking working day), Sunday or on non-working days will be reflected on the account and will be presented in the electronic clearing system with day T (the next working banking day); ransfers sent on working days from Monday to Friday after 7:00 PM, Saturday after 1:30 PM, Sunday as well as those sent on non-working days will be processed instantly, the accounting balance will be affected with the date of the first working banking day and will appear on the statements of the first working banking day.
2.2 Payment orders in lei within the bank - processed 24 hours a day, 7 days a week.
BT-BT intrabank transfers sent from Monday to Saturday after 8:00 PM, Sunday as well as those sent on non-working days will be processed instantly, the accounting balance will be affected with the date of the first working banking day and they will appear on the statements of the first working banking day.
2.3 Utility payments to collection accounts at Banca Transilvania are processed 24/7
For transactions signed from Monday to Friday after 7:00 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 first working banking day.
Transfers sent without funds from Monday to Friday, after 17:30, on Saturday and Sunday after 11:30 are automatically refused.
3. Foreign currency payment order
It is processed 24 hours a day, 7 days a week, as follows:
3.1 Interbank currency payment order
Interbank foreign currency payment orders, in emergency regime, processed during day T, between 09:00 - 18:00 will be settled at the latest with value date T+1; interbank foreign currency payment orders processed during day T between 09:00-18:00, will be settled at the latest with value date T+3; interbank foreign currency payment orders received outside the above-mentioned time intervals will be processed 24 hours a day, 7 days a week and will be introduced into the settlement circuit on the next banking business day according to the first 2 points mentioned above.
3.2 SEPA Payment Order
Sepa payments signed during day T will be sent to the beneficiary bank on the next working bank day (T+1) and will be displayed as follows:
- in the extract generated for day T if the transaction was signed from Monday to Friday until 17:00.
- in the extract generated for day T+1 (the next business banking day) if the transaction was signed from Monday to Friday after 5:00 PM, Saturday or Sunday or on non-working days.
3.3 Foreign currency payment order intrabank, regardless of value - processed 24 hours a day, 7 days a week.
Transfers sent without funds from Monday to Friday, after 17:30, on Saturday and Sunday after 11:30 are automatically refused.
4. Payment order to the State Treasury
It is 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 during day T until 1:00 PM will be submitted for clearing on the same day; those processed after 1:00 PM will be submitted to 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 during day T until 3:00 PM will be submitted for clearing on the same day; those processed after this time will be submitted for clearing during day T+1. Transfers sent without funds from Monday to Friday, after 5:30 PM, on Saturday and Sunday after 11:30 AM will be automatically rejected.
5. Currency exchanges and conversions
It is processed 24 hours a day, 7 days a week, as follows:
From Monday to Friday - during the time interval 9:00 AM - 5:30 PM without a limit on the amount; between 12:00 AM - 9:00 AM and 5:30 PM - 12:00 AM up to a maximum amount of 50,000 lei/day (equivalent in other currency). Currency exchanges and conversions sent without funds from Monday to Friday, after 5:30 PM, on Saturday and Sunday after 11:30 AM are automatically refused.
Negotiated foreign exchange swaps and conversions
- they are processed from Monday to Friday, between 09:00 and 17:30.
In case there is not enough available after signing an exchange / conversion made at a negotiated rate, it will be automatically refused.