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:
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 commission is 0.45 lei/payment, and for collections, the Transfond commission 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 tranches, all in euro equivalent
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.
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:
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.
