Are you staying abroad? You open an account online from BT Pay100 euro cashback in account Your home bank
  • CREDITS
    CARDS
    ACCOUNTS AND OPERATIONS
    ECONOMY AND INVESTMENTS
    INSURANCES
    PREMIUM BANKING
    Bt pay kiddo
    Bt pay kiddo
    DIASPORA
    DIASPORA
    Advertisement
  • ACCOUNTS AND OPERATIONS
    Funding
    CARDS
    Payment solutions
    ECONOMY AND INVESTMENTS
    Specialized sectors
    Advertisement
  • Careers
    Newsroom
    Blog
    Podcast
    BT Community
  • We have taken a firm commitment towards Romanians and local entrepreneurs in supporting their dreams, BT being the partner with whom they can start their journey.
    OMER Tetik
    CEO Banca Transilvania
    • Open an account online
    Call Center
    • Call Center status meter dynamic emoji
    High waiting time!

    Currently, we are recording a very large number of calls in the Call Center. If you have an urgent problem, call now, and if not, we look forward to seeing you later. For quick answers, try Question BT - opens in a new tab or BT Visual Help - opens in a new tab.

    • 0264 308 028 or *8028The number is available from any national network. Normal rate.
    0264 303 003Direct line for all Romanians who are abroad, including assistance in English. Regular rate.
    Fraud assistance
    In case you suspect fraud on your account, call quickly at 0264 308 055. Normal rate.
    BT AI Chat Logo - opens in a new tab
    Search with AI Search - opens in a new tab

    AI Search from Ask BT answers all your banking questions.

    - opens in a new tab
    BT Visual Help - opens in a new tab

    See your account details quickly, call 0264 308 000 and you receive a text message with the access link.

    You have reached the end of the results
    No results found
    Popular searches
    Skip to main content

    Examples
    representative

    Choose the type of credit
    • Loan for studies in lei, with real estate guarantee (equal installments)
    Credit value
    200,000 lei
    Loan duration
    12 years and 6 months (150 installments)
    Interest
    variable 9.58%* (IRCC + 4.00pp)
    Monthly rate
    2.304 lei
    DAE (Annual effective interest rate)
    10,38%
    Analysis Commission
    500 lei
    Annual management commission
    150 lei/year
    Total cost of credit
    148,655 lei
    Total amount to be paid
    348,655 lei
    *For loans with variable interest rates, the interest is made up of the bank's fixed margin plus the IRCC or EURIBOR 6-month reference index and varies depending on the evolution of the reference index and the exchange rate. It is important to know that changes in the reference index, fluctuations in income, as well as changes in the exchange rate can affect the ability to pay the loan installments or the total payment amount.
    Loan for studies in lei, with real estate guarantee (decreasing installments)
    Credit value
    200,000 lei
    Loan duration
    12 years and 6 months (150 installments)
    Interest
    variable 9.58%* (IRCC + 4.00pp)
    Monthly rate
    starting from 2,947 lei
    DAE (Annual effective interest rate)
    10,42%
    Analysis Commission
    500 lei
    Annual management commission
    150 lei/year
    Total cost of credit
    124.920
    Total amount to be paid
    324.920
    *For loans with variable interest rates, the interest is made up of the bank's fixed margin plus the IRCC or EURIBOR 6-month reference index and varies depending on the evolution of the reference index and the exchange rate. It is important to know that changes in the reference index, fluctuations in income, as well as changes in the exchange rate can affect the ability to pay the loan installments or the total payment amount.
    Loan for studies in lei, variable interest, without real estate mortgage (equal installments)
    Credit value
    39,000 lei
    Loan duration
    5 years (60 installments)
    Interest*
    variable 13.33%* (IRCC + 7.75pp)
    Monthly rate
    896 lei
    DAE (Annual effective interest rate)
    14,56%
    Analysis Commission
    200 lei
    Annual management commission
    0 lei
    Total cost of credit
    15,047 lei
    Total amount to be paid
    54.047 lei
    *For loans with variable interest rates, the interest is made up of the bank's fixed margin plus the IRCC or EURIBOR 6-month reference index and varies depending on the evolution of the reference index and the exchange rate. It is important to know that changes in the reference index, fluctuations in income, as well as changes in the exchange rate can affect the ability to pay the loan installments or the total payment amount.
    Credit for studies in lei, without real estate guarantee (decreasing installments)
    Credit value
    39,000 lei
    Loan duration
    5 years (60 installments)
    Interest*
    variable 13.33%* (IRCC + 7.75pp)
    Monthly rate
    starting from 1,086 lei
    DAE (Annual effective interest rate)
    14,58%
    Analysis Commission
    200 lei
    Annual management commission
    0 lei
    Total cost of credit
    13.601 lei
    Total amount to be paid
    52,601 lei
    *For loans with variable interest rates, the interest is made up of the bank's fixed margin plus the IRCC or EURIBOR 6-month reference index and varies depending on the evolution of the reference index and the exchange rate. It is important to know that changes in the reference index, fluctuations in income, as well as changes in the exchange rate can affect the ability to pay the loan installments or the total payment amount.
    Work&Travel loan in lei, with a fixed interest rate, if you receive the income in a BT account (equal installments)
    Credit value
    17,000 lei
    Loan duration
    2 years (24 installments)
    Interest
    9%
    Monthly rate
    777 lei
    DAE (Annual effective interest rate)
    10,67%
    Analysis Commission
    200 lei
    Annual management commission
    0 lei
    Total cost of credit
    1,927 lei
    Total amount to be paid
    18,927 lei
    Work&Travel loan in lei, with fixed interest, if you receive the income in a BT account (decreasing installments)
    Credit value
    17,000 lei
    Loan duration
    2 years (24 installments)
    Interest
    9%
    Monthly rate
    starting from 836 lei
    DAE (Annual effective interest rate)
    10,71%
    Analysis Commission
    200 lei
    Annual management commission
    0 lei
    Total cost of credit
    1,881 lei
    Total amount to be paid
    18,881 lei
    Work&Travel loan in euros, with fixed interest, if you receive your income in a BT account (equal installments)
    Credit value
    3,500 euro
    Loan duration
    2 years (24 installments)
    Interest
    8%
    Monthly rate
    160 euro
    DAE (Annual effective interest rate)
    10,95%
    Analysis Commission
    50 euro
    Annual management commission
    0 lei
    Total cost of credit
    405 euro
    Total amount to be paid
    3.905 euro
    Work&Travel loan in euro, with fixed interest, if you receive income in a BT account (decreasing installments)
    Credit value
    3,500 euro
    Loan duration
    2 years (24 installments)
    Interest
    8%
    Monthly rate
    starting from 172 euros
    DAE (Annual effective interest rate)
    11%
    Analysis Commission
    50 euro
    Annual management commission
    0 lei
    Total cost of credit
    395 euro
    Total amount to be paid
    3.895 euro

    Reference interest rate indices for loans

    See the quarterly evolution
    Ai Search
    Maintenance iconOops, it seems that something went wrong. Don't be afraid, it is not your fault. Small problems happen from time to time. What can you do? Try again later.
    Logo Question BT
    Întreb BT is the largest online financial education program of Banca Transilvania, with over 2,000 questions and answers about banking.
    Frequently Asked Questions
    Powered by Microsoft Foundry
    AI Search offers automatically generated answers, using Claude-Haiku-4.5 technology and an advanced orchestration mechanism through agents. The answers may contain inaccurate or potentially offensive content, which does not represent the point of view of Banca Transilvania. You are solely responsible for the use of the content generated by this service. Read .
    Terms and conditions

    Disclaimer

    AI Search is a pilot project - in beta version - that uses Claude-Haiku-4.5 technology to simplify the process of searching and understanding banking products.

    AI Search is trained to answer questions exclusively related to banking products offered by BT, but in certain situations and depending on the questions asked, it may also answer general questions. The answers provided are generated automatically and should be used for informational purposes only. The service may sometimes provide inaccurate or potentially offensive content, which does not represent the view of Banca Transilvania. You are solely responsible for using the content generated by this service in any manner. Do not rely on this service for financial, legal, or other professional advice and do not enter personal data or other confidential information into it.

    The use of AI Search implies acceptance of the Terms and Conditions.

    Access to and use of the service implies unconditional acceptance of these terms and conditions. If you do not agree with them, please do not use this service. By accepting the terms and conditions to use this service algorithmically provided by an artificial intelligence model, you assume all risk regarding the quality, safety, and performance of this service.

    Banca Transilvania does not provide any guarantees regarding the answers given by this service.

    AI Search provides algorithmically generated answers and these may sometimes contain inaccurate information or potentially offensive language. This information does not express the position of Transilvania Bank and cannot engage the Bank's responsibility for the provided content.

    AI Search does not provide answers to personalized questions, so by using it you are obliged not to provide or enter any personal data or other confidential information in the messages/questions sent. In case of non-compliance with this obligation, by inserting personal data/confidential information within AI Search, you express your consent for the processing of such data for the purpose of providing the service (answers to the questions you ask), as well as for the improvement of the algorithmic model of the robot by its developer.

    Any information provided by users during interaction with AI Search will be treated confidentially, being disclosed only to recipients who have the right and need to know it.

    The content offered by AI Search is for informational purposes only.

    Users are responsible for the questions and messages addressed within the use of AI Search. Any abuse or inappropriate language may lead to the interruption of the interaction.

    AI Search does not provide financial, legal, or professional advice and does not replace consulting human experts or specialized professionals in the respective field. Users should not rely on the information provided by AI Search for decision making.

    The bank reserves the right to interrupt the AI Search service at any time, without prior notice.

    Terms and conditions may be reviewed/updated at any time.