INTEREST ADVANTAGEOUS
Fixed, 14% per year if you deposit the income in a BT account.
CREDIT OVER 12 MONTHS
With the possibility of automatic extension.
ANALYSIS COMMISSION zero
ZERO analysis and administration commission. Automatically more advantageous costs for you.
QUICK APPROVAL, IN 24H
And without trips to the bank. You apply even from BT Pay.
FROM 6X YOUR INCOME, directly on the debit card
You have financial flexibility between collected incomes or in unforeseen situations.
You do not have to apply for a loan every time and you have quick access to money in case of emergency, within 24 hours.
Credit 100% ONLINE
Take the overdraft directly from BT Pay.
Increase the line of credit
You can ask for more money, quickly, directly from the app.
Transaction History
See your overdraft information: how much money you took, into which account it was deposited, and what costs the credit line has.
Automatic refund
Do you top up your current account? The credit is repaid automatically, and interest is applied only to what you have used. Simple and efficient.
OVERDRAFT GRANT CONDITIONS
Romanian citizenship Permanent income Seniority of at least 3 months at the current workplace Minimum income of 800 lei At least one BT debit card issued on the personal account (except for the BT meal card)
FAST HELP
There are only a few requirements that must be met:
➤⠀to be a natural person of Romanian citizenship
➤⠀to have a monthly eligible income greater than 800 lei
➤⠀to have at least 3 months seniority at the current workplace
➤ to have at least one BT debit card issued on the personal account (except the BT meal card)
➤ not to have an overdraft at BT
Through overdraft or account overdraft with us, you can get up to 6 salaries / 6 pensions, within the maximum limit of 50,000 RON, provided you fit within the debt ratio. 🙂
The interest on Overdraft is variable and is set individually, according to your client profile and the policy of Banca Transilvania.
What is important to know:
- The interest applies only to the amount used: You pay interest only for the part of the Overdraft limit you actually spent, and only for the period you used it.
- Better costs for loyal customers: If you receive your salary in the BT account, you can benefit from a preferential interest rate, more advantageous at 14%/year. If you do not receive your salary at BT the interest rate is 17%/year.
What must you do in BT Pay to obtain the Reserve Money directly from BT Pay?
➤⠀Select the option Spare money from the app's homescreen;
➤⠀You validate the identity card, contact details, and complete the information specific to obtaining the credit line;
➤⠀You sign the ANAF agreement, view the offer and electronically sign all contractual documents;
➤⠀The money is in the account immediately and you can use it directly with the phone or physical debit card.
Done! That easy. 😊
- identity card in original
- credit application
- income certificate issued by the employer (if the ANAF inquiry does not provide the requested information, inquiry made based on the income consultation agreement at ANAF signed by the client)
As soon as you sign the contractual documents the money is in the account and ready to be used for anything you need! 💪
👌 Yes, whenever a need arises, upon request addressed to a BT unit or through BT Pay.
The repayment of the amount used on the Overdraft is automatic. The Overdraft does not have a fixed monthly rate like a classic loan (e.g. personal loan).
Repayment is made automatically from any amount that enters your current account (salary, rents, transfers from other people, etc.).
These collections automatically cover the amount used from the Overdraft. You pay monthly only the interest related to the amount and the days you used the money.
Yes, absolutely! This is the main purpose of the Overdraft.
Overdraft is a flexible financing source, integrated into your current account. You can use it just like your own money, for any type of transaction:
- Payments to merchants (physical or online) with the attached card.
- Bank transfers.
- Cash withdrawals from ATMs.
Practically, whenever your balance reaches zero, the Overdraft automatically takes over the next payment until the approved limit is reached.
WHY DELAY WHAT YOU WANT?
With the overdraft credit from BT, you have 6x your income exactly when you need it. For unforeseen expenses or new adventures, everything is simple, fast, and handy. Apply online and enjoy everything on your wishlist.
