Zero commission on payments and collections
Free payments in Lei to other banks through online channels and a world of services at your fingertips through the BT Pay app.
Business Lounge Internațional
Membership Priority Pass gift and 4 free entries per year, for comfortable and exclusive travels.
Complete insurance package
Accident insurance and roadside assistance so you can continue your journey safely in any circumstance.
Dedicated team 24/7
Dedicated specialist for any need: questions about products, cards, investments or loans. Available 24/7, no waiting time.
Benefits from the program
Premium Club
If you earn a monthly salary of at least 10,000 lei or have 75,000 euros in accounts opened with us, let's talk about the potential your finances have. Premium Club members have all the benefits for just 30 lei/month , but if the status changes, the subscription remains active at 60 lei/month , preserving all the advantages of the subscription.
Subscription benefits
Premium cards
Debit Premium
Your daily Premium card, with travel insurance, access to lounges worldwide, and roadside assistance in Romania and Europe.
Star Platinum
The super premium shopping card that offers you:
10% cashback on purchases in the Star network.
Up to 18 installments without interest at over 30,000 Star partners.
Access to over 1,700 VIP or Business Lounge salons worldwide, with the Priority Pass card. Cost: 26 euros/ person/ access.
BT Flying Blue Premium
Do you love to travel? Then you will make a good team with BT Flying Blue.
You have up to 4,000 Welcome Miles
You receive 2 Miles for every 5 lei spent at Air France, KLM and Tarom and 1.3 Miles for every 5 lei spent in Romania
You have up to 18 installments without interest at over 30,000 Star partners.
Dedicated solutions for investments
You invest simply and 100% online in BTAM funds, directly from BT Pay. You have access to conservative, moderate or dynamic funds, with the possibility to see the evolution in real time. Intuitive process, fast access, professional management.
You have access to government bonds in the primary and secondary market, both locally and internationally. The Premium Relationship Manager supports you with the selection and placement of orders. An excellent solution for stability and portfolio diversification.
You can invest in international markets through BT Trade or with the support of a dedicated broker. You benefit from preferential commissions and extended access to globally listed instruments. Ideal for diversified portfolios and investors seeking global exposure.
QUICK HELP
You have a fully digital process, quick access to all BTAM funds, and you can monitor the evolution of your portfolio in real time. Everything is integrated into BT Pay, alongside the other BT products.
Funds BTAM are professionally managed and cover all types of investors. You can start with small amounts, easily diversify your portfolio, and choose the exposure suitable for your financial goals, in RON, EUR, or USD.
Direct Invest is a simple solution for automatic investments. You choose an amount and a day of the month, and the application invests for you. It is ideal for those who want financial discipline without tracking the market daily.
Gains are taxed at source, according to the legislation in force: 3% for securities held for more than 365 days and 6% for securities held for less than 365 days. Everything is withheld automatically, no worries on your part. In addition to the withholding tax on capital gains, the resident individual may have tax obligations related to social contributions (CASS), depending on the level of income from capital gains, income from other investments, and some non-salary incomes, depending on the legal thresholds.
You talk to your Premium Relationship Manager, receive the current list of titles available on the market (primary and secondary), and the RM helps you place the order. The process is quick, assisted, and personalized.
Government bonds are considered low-risk instruments, guaranteed by the Romanian state. The interest is known from the beginning and is paid annually, until maturity. You can access them both on the local and international market.
And the most important part: income from government bonds is tax-exempt.
Yes. In Bucharest, Cluj, Brașov, Timișoara, Constanța and Oradea.
Here you are welcomed in a premium environment and have access to personalized financial consulting offered by a dedicated manager.
You have a personal banker who helps you manage your relationship with the bank, personalized information about savings and investments, Premium cards, and operations in lei without fees. Added travel benefits and included insurance.
Premium Club brings you:
- Free access to lounges in Bucharest and Cluj-Napoca for you and a companion (if you meet the access conditions).
- 4 free entries / year in international lounges through Priority Pass.
- Preferential rate of 30 EUR for additional accesses.
You receive:
- 4 free entries/year to international lounges (holder + companion combined)
- free access to the lounges in Bucharest and Cluj-Napoca for the holder + 1 companion, if the conditions are met.
With the Visa Platinum Debit card you benefit from:
- international travel insurance (medical emergencies, cancellations, lost luggage);
- accident insurance for you and your family;
- roadside assistance in Romania and most European countries (towing, replacement vehicle, accommodation, etc.).
Premium Club Subscription costs:
- 30 lei/month if you meet the eligibility criteria
- 60 lei/month if you are no longer eligible, but want to keep the subscription
You can keep the subscription at the cost of 60 lei/month and continue to enjoy all the Premium Club advantages.
Through your Premium RM: consultancy, quick solutions, personalized information.
Through BT Pay: viewing Premium cards, transaction control, access to BTAM funds, Round Up, benefits, offers, and subscription updates.
Through VRM: fast remote support.
More than dedicated products
You might be planning to invest in a property, open a term deposit, or want to protect your loved ones from unexpected events. Additionally, you can benefit from more favorable conditions for your transactions through deposits and negotiated foreign exchange rates.
