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    You save in lei, euros or dollars from BT PayCome to the app

    Optional private pensions Pillar 3

    Invest today
    for me
    from tomorrow

    The present is worth living to the fullest, but you, the one of tomorrow, deserve the same thing. You can start building your future even today if you choose to save
    through a private pension fund.

    +22,000 Clients Benefit from optional private pensions.
    +22,000 Clients Benefit from optional private pensions.
    +22,000 Clients Benefit from optional private pensions.
    +22,000 Clients Benefit from optional private pensions.
    +22,000 Clients Benefit from optional private pensions.
    +22,000 Clients Benefit from optional private pensions.
    +22,000 Clients Benefit from optional private pensions.
    +22,000 Clients Benefit from optional private pensions.
    +22,000 Clients Benefit from optional private pensions.
    +22,000 Clients Benefit from optional private pensions.
    +22,000 Clients Benefit from optional private pensions.
    +22,000 Clients Benefit from optional private pensions.
    +22,000 Clients Benefit from optional private pensions.
    +22,000 Clients Benefit from optional private pensions.
    +22,000 Clients Benefit from optional private pensions.
    +22.000 OF Clients
    Benefits from optional private pensions.

    The investment that
    take care of yourself

    Choose the right fund

    You have at your disposal two optional pension funds, My Pension and My Pension+, each with different characteristics.

    You decide the pace

    You can stop or resume contributions at any time, or change the monthly amount, depending on what is best for you.

    Long-term safety

    Your money is professionally managed and responsibly invested in regulated products.

    Start step by step

    The minimum monthly contribution with which you can start is 50 lei for My Pension or 50 lei for My Pension+. 

    You have full control

    See the current balance, history, type and details about your contributions and the number of fund units held.

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    E pensia ta
    privată, pe bune

    The money is yours and you can track it, you know where it goes, you can track the fund's evolution, directly from your phone, and everything you save turns into your future. A monthly amount, even 100 lei, can have a big impact over time. It's the kind of habit that builds easily and brings long-term results. Changing your job? No problem. Your contributions remain in your account.

    Previous performances of the fund do not guarantee future results. Read the issuance prospectus and key information intended for participants (DICP). 

    A safe place for your money

    Investments for your future

    A safe place for your money

    Aplică pentru pilonul 3 în BT Pay 

    • Descarcă aplicația BT Pay
    • Spune-ne câteva lucruri despre tine și confirmă-ți identitatea
    • Alege fondul de pensii private facultative în funcție de preferințe și contul curent BT din care vrei să plătești contribuția
    • That's it! From now on, your future has a good plan

    Quick help

    My Pension Plus is the optional private pension fund managed by BT Pensions, a fund taken over from BRD Private Pension Fund Management Company S.A. The minimum contribution to My Pension Plus is 50 lei per month and must not exceed 15% of the gross income.

    In Romania we have 3 types of pensions:

    Pillar 1state pension;

    Pillar 2 mandatory private pension;

    Pillar 3 voluntary private pension.

    You enter BT Pay and follow the steps from there. 🥰

    Or, you get in touch with a BT marketing agent and sign a membership agreement to My Pension. Write to us at contact@btpensii.ro or call 0212 038 400 so you can find where the closest colleague who can help you is located.

    To check if your contributions to BT Pensions have been received, you can enter BT Pay, the investments tab, and select the pension fund to which you transferred the contribution. Or you can access the online Account on the BT Pensions website. There you will find detailed information about the amounts collected and how they were allocated. To access the online account, visit BT Pensions - Online account

    But rest assured, after each transfer and the appropriate allocation of funds, you will receive an SMS to the phone number declared in the membership act. ✨

    Do a kindness
    your future

    Direct from BT Pay, you can choose the optional private pension suitable for your lifestyle.

    Ai Search
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    Întreb BT is the largest online financial education program of Banca Transilvania, with over 2,000 questions and answers about banking.
    Frequently Asked Questions
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    AI Search provides automatically generated answers, using Claude-Haiku-4.5 technology and an advanced agent orchestration mechanism. 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 search and understanding process of 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 that does not represent the point of view of Banca Transilvania. You are solely responsible for using the content generated by this service in any way. 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.

    Using AI Search requires 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 provided algorithmically by an artificial intelligence model, you assume all risk regarding the quality, safety, and performance of this service.

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

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

    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 their processing in order to provide the service (answers to the questions you ask), as well as for the improvement of the robot's algorithmic model 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 provided by AI Search is for informational purposes only.

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

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

    Investments, directly from the app

    You have 14 investment funds in RON, EUR and USD just one click away, with different levels of risk and potential returns.

    BT Pay - QR download the app

    The investment that
    take care of yourself

    You can start building your future as early as today if you choose to save through a private pension fund directly from BT Pay.