INVESTMENT FUNDS
Save investing
We all have plans,some nearer, others farther. From a new outfit, a city break, to the place you call "home". Regardless of the goal, now you can save by investing, directly from BT Pay, online, hassle-free.
A safe place for your money
Have an overview
You issue, receive and manage all transactions directly in BT Pay.
You make informed decisions
See details about the yields and evolution of each fund,
main holdings and currency.
You invest safely
You invest in a safe legislative framework and in regulated products.
You can start with only 50 lei
The minimum amount to start investing is only 50 lei or 25 euros/dollars
Do you know how you stand with money
You have instant access to your savings and investments, directly from the app.
14 investment funds: returns and risk profile
You invest alongside our experts, with less stress and more diversification. You choose the fund that suits you, in lei, euros, or dollars depending on your risk appetite.
Past performance of the fund is not a guarantee of future results. Read the issuance prospectus and essential information for investors (DIE), before investing in the investment funds managed by BT Asset Management SAI.
The information below is valid as of %%updated_at%%
Direct Invest
Set up a recurring payment for one or more funds directly from the app.
The minimum amount is 50 RON or 25 EUR/USD.
You can always change the recurrence or stop the investment in a fund.
Do you know how to make your money grow?
FIT Check it is the financial education quiz that helps you quickly understand how prepared you are regarding economies, investments and money management . In just a few simple questions, you find out where you stand and what you can improve in the way you organize your finances.
A few simple steps and you are an investor
- You download the BT Pay app.
- You tell us a few things about yourself and confirm your identity.
- You choose the investment fund according to preferences.
- That's it! You start investing.
Quick help
Funds that have a component of listed shares in their portfolio structure have the potential to perform above the average level of inflation but also have a higher risk. For more information, we invite you to consult the Monthly Bulletin, where you can find the performances of funds managed by BT Asset Management.
The performance of investment funds, over different time intervals, is available here.
Starting with 01.01.2026, the earnings obtained by individual investors from investments in open-ended investment funds will be taxed by withholding at source, as follows:
- by applying a rate of 3% on each gain from the transfer of securities that were acquired and disposed of in a period longer than or equal to 365 days from the date of acquisition
- by applying a rate of 6% on each profit from the transfer of securities that were acquired and disposed of within a period of less than 365 days from the date of acquisition
See more details here.
Start investing
Directly from BT Pay, you can invest in one of the 14 investment funds. Don't forget that you can win a subscription to Untold if you bring 7 friends to the app.
