Being an entrepreneur in Romania is certainly not easy, but when it comes to #banking we come with the most useful financial tools, so that part is already covered for you.

Whether you would like to have a banking assistant who keeps you updated at any moment with information about your accounts or maybe you think a platform that allows you to manage your employees' meal cards with a few clicks would be of real help, today we open the toolbox and come with a helping hand for #remotebanking.

📌 Update: BT eSign

The newest solution on our list is BT eSign, the method by which you can sign contracts and additional documents for loans without real estate guarantees online. And because the advantages for entrepreneurs are our strong point, it is good to know that the electronic signature is free, and this solution is suitable for you, even if you are not a BT client. In other words, if you are a co-borrower or guarantor under a contract, you can use BT eSign at any time and thus you can forget about trips to the bank because everything becomes simpler, online 😉.

OnBoarding

We start with those who have just embarked on the path of entrepreneurship. We know how it is, we were also beginners and we liked being encouraged to do good work! Precisely for this reason, for those of you who have started the steps to establish a company, we have prepared the 100% online onboarding option in entrepreneurship. In other words, with us you can openthe share capital account, direct from your home. You only need a few documents, 15 free minutes and a photo, and then officially you have checked off another task to set your dream in motion 😊.

Online account opening

Now you can you take the first steps towards BT, right from home, through online account opening. In other words, you can open an account at BT and then manage it 100% online, and the process is as easy as it gets. You only have to upload your ID, we quickly meet in a video call to get to know each other better, and that's all!

Pssst: By opening an online account you have access to the package UNLIMITED which includes so many benefits that it makes you wonder why you hadn't thought of us until now 😉.

Spoiler alert! We have something #cool including for entrepreneurs with start-ups. Yeap, if your company has less than one year of activity, then you can access Free First Year Account.

Raul from BT

Do you know him Raul? Well, if you haven't heard of him yet, it's not a problem at all, because we take care of the introduction 😊. Think of Raul as your friend from BT. Practically, he is your financial assistant whom you can consult at any hour of the day or night, without disturbing him. And he will answer all your questions about the products and services your company has at BT.

In other words, Raul is our chatbot who can help you anytime with:

• Current account IBAN in lei or other currencies;
• Current account balance in lei or other currencies;
• Request for cutting tools;
• The amounts payable related to credit card loans;
• Details about installments, interest rates, fees on loans, garnishments, exchange rate;
• Information about checks or payment order slips;
• The number of loyalty points accumulated on the STAR shopping card;
• Details about the package UNLIMITED in the BT network and its extra options;
• Information about the grants program;
• Balance of the grant account/accounts;
• IBAN of the grant account/accounts;
• Account data update.

You have a small business and are thinking about how to finance it? Well, Raul is so smart that he can help you get an overview of the loans you can take from BT Mic, by making a simulation for informational purposes.

More than that, Raul helps you apply for a loan for your business directly on the website BT Small. The process is as simple as it gets and this way you don't have to make the trip to the bank at all 😉.

If you already have a loan from BT Small, then Raul will answer your questions as soon as possible such as:

⚖ What amount do you still have to pay?

💸 How much do you have to pay monthly?

📆 What is the due date for the installment?

The best part is that Raul is always online and you can access him directly from your smartphone. In other words, you can interact with him as easily as if you were writing a message to a friend, because you can find him on WhatsApp. Come on #IntrebBT to see how you can get to know our colleague Raul.

BT Visual Help

Because a solution that comes directly to your phone is always better than a trip to the bank, BT Visual Help is your financial partner, offering you banking information and options such as:

• Check balance, IBAN and transactions;
• Check if you have active garnishments on your company account(s);
• Temporarily or permanently block the cards;
• You request the reissuance of a card after permanent blocking;
• You modify the BT card transaction limits;
• You dispute a transaction made with the card - you can manage it yourself and refuse certain transactions made with the physical or digital card at the ATM, POS or online;
• You generate account statements, which will then be sent directly to your email in just a few minutes;
• You can receive or send files during the conversation with the Call Center team, which facilitates faster resolution of various issues encountered.

When technology meets #banking, your job as an entrepreneur becomes easier, so why complicate yourself, when at BT you find out everything you need from your smartphone? The steps are even simpler than they seem, come and see them directly on #IntrebBT.

BT Pay

In case you think that an application would be more handy for you, keep calm & use BT Pay. Most likely, you have already heard something about this app, probably you even use it for your personal cards, but what about your business cards? Well, you can even enter these, regardless if they are credit/debit, lei/euro, BT or non-BT cards. In the app you have a special place for each one 😎.

After you have enrolled BT cards and on those non-BT in the BT Pay application, you can start #normalbanking. Here are a few things you can do:

• Confirm online payments safely and quickly directly from the phone;
• Contactless payment with the phone;
• Check your card balances directly from the app;
• Temporary or permanent blocking of a card;
• Checking all transactions made with the card in real-time, as well as grouping expenses by categories.

BT Ticket

If you are also that entrepreneur who chose the BT meal card as a salary benefit for your team, then we absolutely have to tell you that managing them has just become easier! So easy that the entire activity is reduced to a few clicks through which you can:

• Order online meal card issuance for your employees;
• You request the reissuance of meal cards or activation codes/PIN;
• Change the value of meal tickets;
• You access the invoices for transfers of meal vouchers made on meal cards.

By the way, you absolutely need to know that this platform is completely free, and all you need to do if you already provide your employees with the BT meal card is to sign an additional agreement. And just like that, with no extra cost, you have access to a management platform that helps you get your work done much faster.

Updating data on online channels

If you are one of our business partners with history at BT, then know that we have prepared a functionality for you as well, which will surely be very helpful. From now on, when there is a change within your company, whether it is at the level of name, field of activity, shareholder structure or other data, you notify us with just a few clicks directly on our website. Updating data is at least as important as anticipating business risks, because:

• is a precautionary measure regarding the safety of transactions through BT;
• keeps your company safe;
• offers you control and together we manage to comply with the legislative provisions in force (Law no. 129/2019 and Regulation of the National Bank of Romania no. 2/2019).

Cutting tools?

When it comes to your business, we like to know that we help you as soon as possible, which is exactly why we provide you with the service for checks and promissory notes. Yeap, you read that right. Not many people know, but with us you have the possibility to request them online, and then pick them up from the unit. Think of this feature as a pre-order, you tell us exactly what you need, you select the unit from where it is most convenient for you to pick them up, and by the time you arrive at the destination, the documents are ready. And like that, you save some time, because you skip waiting at the counter. It's good to remember also the fact that you can pick up the documents from any BT unit, and considering that we have muuulte, we give you a helping hand wherever you are 😊.

CIP Online

If you intend to close a deal with a partner whom you do not know very well yet, before signing the commercial contract, it might be good to do a small check. And for that, we come to help you, with an online solution specially prepared for such situations. It is about the platform CIP Online through which you can request at any time an inquiry in the payment incident center for any partner, about whom it might be useful for you to have some more information.

Warm welcome

In case you are not yet our client, but you would like to see what it's like to benefit from all the financial instruments we have prepared for you, then don't hesitate twice, we already did it! 😉 That's how the package appeared UNLIMITED through which you can give a real-time update on entrepreneurship. Basically, it is a kind of All Inclusive package, but for business.

The best part? It's the fact that you join the largest SME community in the country. With over 300,000 corporate friends who have already purchased the package, we are waiting for you to do #business at another level.

Whenever you think about #remote banking it's good to know that you have a box with tools that you can use as you please, non-stop. However, in case you miss us, know that we are waiting for you anytime BT unit, even if just for a useful piece of advice at the right moment 🤜🤛.

Editor: Mihaela Ban, Communication & PR Officer, Banca Transilvania