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 International
Membership Priority Pass gift and 4 free entries/year, for comfortable and exclusive travel.
Complete insurance package
Accident insurance and road assistance to help you continue your journey safely in any circumstances.
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 receive 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 Premium everyday 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 lounges 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 of seeing the evolution in real time. Intuitive process, quick access, professional management.
You have access to government securities from the primary and secondary market, both local and international. You are supported by the Premium Relationship Manager 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.
FAST HELP
You have a fully digital process, quick access to all BTAM funds, and you can track the evolution of your portfolio in real time. Everything is integrated in BT Pay, alongside 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 exposure suitable to 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 app invests for you. It is ideal for those who want financial discipline without following the market daily.
Earnings are taxed at source, according to current legislation: 3% for securities held for more than 365 days and 6% for securities held for less than 365 days. Everything is automatically withheld, no worries on your part. In addition to the withheld capital gains tax, 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 extra-salary income, depending on the legal thresholds.
You talk with 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 fast, 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-free.
Yes. In Bucharest, Cluj, Brasov, Timisoara, Constanta 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 transactions in lei without costs. Travel benefits and included insurance are added.
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 to international lounges through Priority Pass.
- Preferential rate of 30 EUR for additional accesses.
You receive:
- 4 free entries/year in international lounges (holder + companion combined)
- free access to 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.).
The Premium Club subscription costs:
- 30 lei/month if you meet the eligibility criteria
- 60 lei/month if you are no longer eligible, but you wish to keep the subscription
You can keep the subscription at the cost of 60 lei/month and continue to enjoy all the Premium Club benefits.
Through your Premium RM: consulting, 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
Maybe you are planning to invest in a property, open a term deposit, or want to protect your loved ones from the unexpected. In addition, you can benefit from better conditions for your transactions through deposits and negotiated foreign exchange rates.
