INTEREST ADVANTAGEOUS
Fixed, at 14% per year if you collect the income in the BT account.
CREDIT FOR 12 MONTHS
With the possibility of automatic extension.
ANALYSIS COMMISSION zero
ZERO commission for analysis and administration. Automatically more advantageous costs for you.
QUICK APPROVAL, IN 24H
And without trips to the bank. You can even apply from BT Pay.
FROM 6X YOUR INCOME, directly to the debit card
You have financial flexibility between collected incomes or in unforeseen situations.
You do not need to apply for a loan every time and you have quick access to money in case of emergency, within 24 hours.
Credit 100% ONLINE
You 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, in which account it was deposited, and what costs the line of credit has.
Automatic refund
Do you top up the current account? The loan is repaid automatically, and interest is applied only to what you have used. Simple and efficient.
OVERDRAFT GRANTING 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 the BT meal card)
QUICK HELP
There are just a few requirements that need to be met:
➤⠀to be a natural person of Romanian citizenship
➤⠀to have an eligible monthly income greater than 800 lei
➤⠀to have at least 3 months of experience at the current workplace
➤ to have at least one BT debit card issued on the personal account (except for the BT meal card)
➤ not to have an overdraft at BT
By overdraft or account overdraft at our place, you can obtain up to 6 salaries / 6 pensions, within the maximum limit of 50,000 RON, provided that you fit within the indebtedness degree. 🙂
The Overdraft interest rate is variable and is established individually, depending on your client profile and the policy of Transilvania Bank.
What is important to know:
- Interest applies only to the amount used: You pay interest only on the part of the Overdraft limit that you have actually spent, and only for the period during which 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 of 14%/year. If you do not receive your salary at BT the interest rate is 17%/year.
What do you have to do in BT Pay to get the Reserve Money directly from BT Pay?
➤⠀Select the option Reserve money from the application's homescreen;
➤⠀You validate the identity card, contact details and complete the specific information for 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 simple. 😊
- identity card in original
- loan application
- income certificate issued by the employer (if the ANAF query does not provide the requested information, query carried out based on the income consultation agreement at ANAF signed by the client)
Immediately after 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, by 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).
The refund is made automatically from any amount that enters your current account (salary, rents, transfers from other persons, etc.).
These receipts automatically cover the amount used from the Overdraft. You pay monthly only the interest related to the amount and the days you have 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 exactly 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 up to the approved limit.
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 you have on your wishlist.
