Taxes and commissions
Last update: 11.06.2026
The most frequent operations
Cash operations
Withdrawals
At the BT counter
ATM
0 – 50.000
At the BT counter
0.9% min 9 LEI
ATM
0 LEI
50.000.01– 499.999,99
At the BT counter
1,5%
ATM
0 LEI
>= 500.000
At the BT counter
2%
ATM
0 LEI
Withdrawals
At the BT counter
ATM*
0 – 10,000 EUR
At the BT counter
0.9% min
4.5 EUR
ATM*
0.5% min
3 EUR
10,000.01 – 99,999.99 EUR
At the BT counter
1,5%
ATM*
N/A
>=100.000 EUR
At the BT counter
2%
ATM*
N/A
Observations:
Cash withdrawal fees depend on the type of card used, the transaction currency, and the ATM at which the operation is performed. The 0 RON fee for withdrawals in RON applies only to certain types of cards and exclusively at BT ATMs. The 0.5% fee (min. 3 EUR) for currency withdrawals applies only to EUR withdrawals made at BT ATMs.
Deposits
At the BT counter
ATM
Cash deposits into individuals' accounts,
at the counter of the bank of the holder/authorized/delegate
At the BT counter
0 LEI
ATM
0 LEI
Cash deposits into individuals' accounts
to the bank counter for payment of installments, on loans,
credit card, credit line for the current account,
in the Kidcont account, of third parties
At the BT counter
0 LEI
ATM
0 LEI
Cash deposits into individuals' accounts,
at the bank counter, by third parties
At the BT counter
15 LEI
ATM
0 LEI
Operations through accounts
Commission value
At the BT counter
Online
BT Payments - BT
At the BT counter
8 LEI
Online
0 LEI
Instant payments BT - BT through RoPay/RoPay Alias
At the BT counter
-
Online
0 LEI
BT Payments – another bank
At the BT counter
Online
< 999,99
At the BT counter
15 LEI
Online
2.5 LEI
1.000 – 49.999,99
At the BT counter
15 LEI
Online
5 LEI
>= 50.000
At the BT counter
25 LEI
Online
10 LEI
Instant BT Payments - another bank via RoPay/RoPay Alias
At the BT counter
-
Online
0 LEI
Plăți BT - Victoriabank
At the BT counter
0 LEI
Online
0 LEI
BT Romania Payments - BT Italy
At the BT counter
0 LEI
Online
0 LEI
Commission value
At the BT counter
Online
BT Romania Payment – BT Romania
At the BT counter
3 EUR
Online
0 LEI
Plăți BT - Victoriabank*
At the BT counter
0 LEI
Online
0 LEi
Observations:
It applies ă commission 0 (zero) for pl ățperformed actions îin the following currencies: EUR,USD,GBP,CHF.
BT Payments Romania - BT Italy
At the BT counter
0 LEI
Online
0 LEI
BT payments – another bank (SEPA¹ )
At the BT counter
Online
<1,000 LEI (equivalent in EUR)
At the BT counter
15 LEI
Online
2.5 LEI
<=1.000 – 50.000 LEI (equivalent in EUR)
At the BT counter
15 LEI
Online
5 LEI
>= 50,000 LEI
At the BT counter
25 LEI
Online
10 LEI
BT Payment – another bank (non SEPA² )
At the BT counter
0.2% min 20 EUR
(max 800 EUR)
Online
0.1% min. 15 EUR
(max. 600 EUR)
Observations:
¹SEPA (Single Euro Payments Area) is a payment system used only for cashless euro payments, available in EU member countries and in a few other states (Switzerland, Norway, and Liechtenstein). A SEPA payment must meet the following criteria: the currency in which the payment is made must be EURO; the payment must be made in normal regime; the type of fees is SHA (meaning the fees are borne by each transaction participant individually); the payment is made to a bank in the EU and Switzerland, Norway, and Liechtenstein.
²Any payment that does not meet the criteria of a SEPA payment.
Operations in lei
Subscriptions
Services included in the subscription
Hello
365
Gold
Gold+
0 lei current account opening in lei
Hello
365
Gold
Gold+
0 lei current account administration fee in lei
Hello
365
Gold
Gold+
Access to the lei account via a debit card
Hello
Visa
Classic
365
Visa
Classic
Gold
MasterCard
Gold
Gold+
MasterCard
Gold
0 lei commission for issuing the debit card
Hello
365
Gold
Gold+
0 lei annual maintenance commission of the debit card
Hello
365
Gold
Gold+
0 lei cash withdrawal commission from BT ATM
Hello
365
Gold
Gold+
0 lei commission balance inquiry at ATM/POS BT
Hello
365
Gold
Gold+
0 lei for payments between BT accounts, in lei made via Internet/ mobile banking
Hello
365
Gold
Gold+
Access to BT Pay
Hello
365
Gold
Gold+
0 lei for collection from other banks in lei
Hello
*
365
Gold
Gold+
Accident insurance MLN**
Hello
365
Gold
Gold+
Life/ disability insurance MLN**
Hello
365
Gold
Gold+
Travel insurance
Hello
365
Gold
Gold+
Access to the Business Lounges at the Airports in Bucharest and Cluj-Napoca
Hello
365
Gold
Gold+
Priority in Contact Center (VIP line)
Hello
365
Gold
Gold+
Standard monthly cost
Hello
0 lei/ month
365
7 lei/ month
Gold
17 lei/ month
Gold+
20 lei/ month
Observations:
The contracted subscription, as well as the related cost facilities, come into effect on the day of setting and are valid until the client cancels it or, as the case may be, until the termination of the business relationship between the client and the bank.
*For the Salut subscription, the facility regarding 0 LEI cost for BT collections - other banks in lei will apply only if the client has had current account credits of at least 300 LEI each month. To benefit in the current month from zero commission on collections from other banks, collections from the previous month will be verified. The types of operations taken into account are: Collection by OP/borderou processing; Instant collection; Collection by phone number through BT Pay; Current RON account crediting through currency exchange at standard/negotiated rate at the counter/on electronic channels; Cash deposit at the counter/unsupervised terminals.
** If the individual benefits from the 365 or Premium+ subscription, no additional commission will be charged for the MLN accident insurance.
Services included in the subscription
Subscription
KID
(0-14 years)
Subscription
COLLEGE
(14-18 years)
Subscription
STUDENT
(18-26 years)
0 lei current account opening in lei
Subscription
KID
(0-14 years)
Subscription
COLLEGE
(14-18 years)
Subscription
STUDENT
(18-26 years)
0 lei current account administration fee in lei
Subscription
KID
(0-14 years)
Subscription
COLLEGE
(14-18 years)
Subscription
STUDENT
(18-26 years)
Access to the lei account via a debit card
Subscription
KID
(0-14 years)
Subscription
COLLEGE
(14-18 years)
Visa
Classic
Subscription
STUDENT
(18-26 years)
MasterCard
OmniPass
0 lei commission for issuing the debit card
Subscription
KID
(0-14 years)
Subscription
COLLEGE
(14-18 years)
Subscription
STUDENT
(18-26 years)
0 lei annual maintenance commission of the debit card
Subscription
KID
(0-14 years)
Subscription
COLLEGE
(14-18 years)
Subscription
STUDENT
(18-26 years)
0 lei cash withdrawal commission from BT ATM
Subscription
KID
(0-14 years)
Subscription
COLLEGE
(14-18 years)
Subscription
STUDENT
(18-26 years)
0 lei commission balance inquiry at ATM/POS BT
Subscription
KID
(0-14 years)
Subscription
COLLEGE
(14-18 years)
Subscription
STUDENT
(18-26 years)
0 lei for intrabank payments in lei made through Internet
Subscription
KID
(0-14 years)
Subscription
COLLEGE
(14-18 years)
Subscription
STUDENT
(18-26 years)
Access to BT Pay
Subscription
KID
(0-14 years)
Subscription
COLLEGE
(14-18 years)
Subscription
STUDENT
(18-26 years)
0 lei for intrabank payments in lei made through mobile banking
Subscription
KID
(0-14 years)
Subscription
COLLEGE
(14-18 years)
Subscription
STUDENT
(18-26 years)
0 lei for collection from other banks in BT account in lei
Subscription
KID
(0-14 years)
Subscription
COLLEGE
(14-18 years)
Subscription
STUDENT
(18-26 years)
Travel insurance
Subscription
KID
(0-14 years)
Subscription
COLLEGE
(14-18 years)
Subscription
STUDENT
(18-26 years)
Extra options available
Subscription
KID
(0-14 years)
Kid cont Lei
Kid cont Euro
Current accounts
in currency
EUR/ FCY
Subscription
COLLEGE
(14-18 years)
Kid cont Lei
Kid cont Euro
Current accounts
in currency
EUR/ FCY
Subscription
STUDENT
(18-26 years)
Standard monthly cost
Subscription
KID
(0-14 years)
0 lei/ month
Subscription
COLLEGE
(14-18 years)
0 lei/ month
Subscription
STUDENT
(18-26 years)
0 lei/ month
Observations:
The contracted subscription, as well as the related cost facilities, come into effect on the day of setting and are valid until the client cancels it or, as the case may be, until the termination of the business relationship between the client and the bank.
Free interbank collections
Free interbank payments in the currency RON made through electronic channels
Debit card - Visa Platinum
Free Priority Pass Membership
Access to lounges in Bucharest, Cluj-Napoca and Timișoara*
Discounts at merchants through the Visa Premium program
Access to a complex package of Roadside assistance Services**
Personal concierge services offered through our partner Consiergo
Travel insurance abroad***
Accident insurance from Metropolitan Life
Priority in Call Center
Monthly cost****: 30 lei/ 60 lei/ month
Observations:
* To benefit from free access in the lounges in Bucharest and Cluj-Napoca, you must have made payments to merchants with the BT Visa Platinum debit card of at least 5,000 lei in the last month (settled at least 96 hours before entering the lounge). To benefit from the bonus of 6 free entries per year in the lounges in Bucharest, Cluj-Napoca, and Timișoara, you must make payments to merchants of at least 7,500 lei in the last month (settled at least 96 hours before entering the lounge).
** Access to a complex package of Assistant ServicesRoad assistance, which includes towing services, vehicle recovery, replacement of the vehicle with a spare one, accommodation, and other facilities, limited to a maximum of 2 events/year/cardholder, provided that payments of at least 300 lei have been made to merchants in the last 3 months before the occurrence of the event.
*** Provides coverage for medical emergencies, including winter sports, flight delays or cancellations, lost or delayed baggage, legal assistance, and others, provided you have paid at least 300 lei with a card at merchants in the last 3 months before the trip.
**** Starting from July 16, 2025, the subscription cost will be dynamic, as follows:
- 30 lei/ month – as long as the client is classified as Premium (meets the eligibility conditions);
- 60 lei/ month – in case the customer loses Premium client status, but wants to keep the subscription.
In the first 6 months from launch (until July 16, 2025), the ‘Premium Club’ subscription will have a fixed cost of 30 lei/ month, even if the client no longer falls into the ‘Premium’ category.
Account operations
Resident natural persons RO
0 LEI
Non-resident natural persons
0 LEI
Receipts from BT account
0 LEI
Receipts from BT account through RoPay/RoPay Alias
Receipts from other banks
5 LEI
Instant collections from other banks through RoPay/RoPay Alias
0 LEI
Observations:
The following are exempt from the collection commission from other banks:
- Receipts made in the following types of accounts: share capital accounts, seizure records accounts, kid account (deposits constituted starting from 17.03.2014), institutionalized kid account, various debit account, credit liquidation account
- Receipts made in the classes of collateral deposit guarantees of good performance and managerial guarantee
- Receipts made in the following types of card accounts: Star Forte, Star Gold, Star Platinum, Flying Blue Classic, Flying Blue Premium, MasterCard Forte for Doctors, Visa Gold BT-Rotary
Payment orderconditioned received - approval
0.1% min 200 LEI
Payment orderă condiționată primite - verification (ifă is the case)
0.1% min 120 LEI
Commission value
At the BT counter
Online
BT Payments - BT
At the BT counter
8 LEI
Online
0 LEI
BT-BT Payments through RoPay/RoPay Alias
At the BT counter
-
Online
0 LEI
BT Payments – another bank
At the BT counter
Online
< 999,99 LEI
At the BT counter
15 LEI
Online
2.5 LEI
1,000 – 49,999.99 LEI
At the BT counter
15 LEI
Online
5 LEI
>= 50,000 LEI
At the BT counter
25 LEI
Online
10 LEI
Instant Payments BT - another bank via RoPay/RoPay Alias
At the BT counter
-
Online
0 LEI
BT Payments - Victoriabank
At the BT counter
0 LEI
Online
0 LEI
External payment ( SWIFT ) in RON currency
At the BT counter
30 LEI
Online
10 LEI
BT Romania Payments - BT Italy
At the BT counter
Online
0 LEI
Urgent payment
At the BT counter
16 LEI
Online
10 LEI
Observations:
PlățPayments made by Direct Debit are charged the same commission as payments made at the counter.
Are exempt from fees for intrabank payments:
- Payments made from escrow deposit accounts
- Payments from non-commission current accounts related to credit withdrawals
- Intrabank payments to the collector accounts allocated to the funds managed by BT Asset Management
- Payments of certified debit instruments
Observations:
- BNR/ TRANSFOND Commission for BT payments - another bank
0 – 49,999.99 LEI 0.51 LEI/ payment
50,000 LEI (or any amount disbursed in emergency regime) 6.00 LEI/payment - TRANSFOND Commission for BT instant payments - other bank 0.45 LEI
Note: These amounts are already included in the commissions for payments BT- another bank mentioned above.
Observations:
The maximum limit for instant payments can be changed for limited periods of time. These changes will be communicated to customers in the payment applications.
Operation type
Commission value
Collection BT – BT through debit instruments
3.5 LEI
Collection BT – another bank through debit instruments
Commission value
<49.999,99 LEI
Commission value
6.88 LEI
>50,000 LEI
Commission value
8.88 LEI
Debit payment instruments by electronic support clearing - TRANSFOND
0.88 LEI/ collection
Debit payment instruments refused - TRANSFOND
0.55 LEI/ refusal
BT Payment – BT via debit instruments
3,50 LEI
BT Payment – another bank through debit instruments
Commission value
<999,99 LEI
Commission value
5 LEI
1,000 – 49,999.99 LEI
Commission value
7.5 LEI
>50,000 LEI
Commission value
10 LEI
Cash operations
Cash deposits into individuals' accounts, at the bank's counter, by third parties
15 LEI/ deposit
Cash deposits into the accounts of individuals at the bank counter for payment of installments, loans, credit card, credit line for the current account, in the Kidcont account, by third parties
0 LEI
Cash deposits into individual accounts, at the bank counter of the account holder/authorized person
0 LEI
Cash deposits into individual accounts, made with BT card, through terminals available in BT units (BT Express, BT Express Plus)
0 LEI
Cash deposit in currency - for amounts exceeding 100 coins/deposit 2% of the deposited amount
2% of the deposited amount
Service name
Commission value
BT Pay
Commission value
free
Other commissions
Commission value
commission guarantee token
Commission value
0 LEI
commission token replacement
Commission value
free
SMS Alert Service
5 LEI/ month/ card
1 EUR/ month/ card
Intrabank Direct Debit Service
for natural persons with the SMS Direct Debit option
2 LEI/ SMS
Type of document
Commission value
Account statement issuance
Commission value
Monthly statement issuance
Commission value
0 LEI
Release daily extract (current month)
Commission value
1 LEU/ extract
Release duplicate extract
Commission value
3 LEI/ duplicate extract
Commission for issuing addresses at the client's request (other than those for refinancing): official confirmation of account numbers, confirmations for audit companies, confirmations of persons authorized on the bank account
6.05 LEI
(of which 1.05 LEI VAT)
Issuance of creditworthiness letter for the bank's clients
121 LEI
(of which 21 LEI VAT)
Type of document
Commission value
Management of garnishments
Commission value
Management commission own
Commission value
25 LEI
Fee payment garnishment (payments < 50,000)
Commission value
15 LEI
Commission payment garnishment (payments >=50,000)
Commission value
25 LEI
Rental rate for safe deposit box
Commission value
Small
Commission value
181.5 LEI (of which 31.5 LEI VAT) +
insurance premium 0.05% (min. 3 EUR)
Average
Commission value
242 LEI (of which 42 LEI VAT) +
insurance premium 0.05% (min. 3 EUR)
Sea
Commission value
302.5 LEI (of which 52.5 LEI VAT) +
insurance premium 0.05% (min. 3 EUR)
Observations:
Along with the tariff, a deposit of 250 LEI is also paid, to cover a possible loss of the key.
Communication of the interest rate practiced by BT
to deposits for a certain period
Commission value
0 LEI
Information about exchange rates applied in the previous period
(releases of children according to the list of courses valid at a certain date)
Commission value
0 LEI
Commissions for services at Payment Incidents Center
Commission value
Response to request for consultation of a
CUI/CNP in the national file C.I.P.
Commission value
6.05 LEI
(of which 1.05 LEI VAT)
Commission for the cancellation of C.I.P. restrictions
based on a final court decision
Commission value
5,45 LEI
(of which 0.95 LEI VAT)
Central Commission for Consulting the Banking Risks Register (CRB)
applicable to CRB consultations for BT non-clients
Commission value
3.03 LEI/ consultation
(of which 0.53 LEI VAT)
Escrow Deposit Opening Commission for natural persons and legal entities with non-profit purposes
Commission value
0 LEI
Commissions related to the establishment of testamentary disposition over sums of money, valuables, or securities in clients' accounts
Commission value
commission establishment testamentary disposition
Commission value
157.3 LEI
(of which 27.3 LEI VAT)
commission modification testamentary disposition
Commission value
96.8 LEI
(of which 16.8 LEI VAT)
committee revoke testamentary disposition
Commission value
96.8 LEI
(of which 16.8 LEI VAT)
Commission for opening individual accounts
0 LEI
Primary market operations
Brokerage commission offer
100,000.01 LEI - 500,000 LEI
0,15%
500,000.01 LEI - 1,000,000 LEI
0,10%
> 1,000,000
0,05%
Operations on the secondary market
0 LEI
Mortgage registration fee
150 LEI
Commission for title transfer (those leaving BT)
100 LEI/series
Current account commission for securities of natural persons
0
NOTE:
The competence for negotiating commissions lies with the Treasury Directorate – commercial service – The above commissions are supplemented by the commissions charged by SAFIR.
Cash withdrawals
From current lei account
- At the BT counter
- 0 – 50,000 LEI 0.9% min 9 LEI
- 50,000.01 – 499,999.99 LEI1,5%
- >= 500,000 LEI2%
- BT Express/ BT Express Plus
- 0 – 50,000 LEI 0 LEI
- 50,000.01 – 499,999.99 LEI0 LEI
- >= 500,000 LEI0 LEI
- POS BT
- 0 – 50,000 LEI 0 LEI
- 50,000.01 – 499,999.99 LEI0 LEI
- >= 500,000 LEI0 LEI
- With Visa Classic card at ATM/ POS other bank RO
- 0 – 50,000 LEI 2.5 LEI + 0.5%
- 50,000.01 – 499,999.99 LEI2.5 LEI + 0.5%
- >= 500,000 LEI2.5 LEI + 0.5%
- With Visa Classic card at ATM/ POS other foreign bank
- 0 – 50,000 LEI 2.5 LEI + 0.5%
- 50,000.01 – 499,999.99 LEI2.5 LEI + 0.5%
- >= 500,000 LEI2.5 LEI + 0.5%
From allowance account
- Operation type
- At the BT counter0 LEI
- BT Express/ BT Express Plus-
- POS BT-
- With Visa Classic card at ATM/ POS other bank RO-
- With Visa Classic card at ATM/ POS other foreign bank -
For amounts drawn from credit
- Operation type
- At the BT counter0 LEI
- BT Express/ BT Express Plus-
- POS BT-
- With Visa Classic card at ATM/ POS other bank RO-
- With Visa Classic card at ATM/ POS other foreign bank -
From the first account – financially vulnerable individual
- Operation type
- At the BT counter0 LEI
- BT Express/ BT Express Plus0 LEI
- POS BT0 LEI
- With Visa Classic card at ATM/ POS other bank RO0 LEI
- With Visa Classic card at ATM/ POS other foreign bank 2.5 LEI + 0.5%
Currency operations
Operations through accounts
Resident natural persons RO
0 LEI
Non-resident natural persons
0 LEI
Operation type
Commission value
SEPA/ non-SEPA collections from other banks
0 LEI
Foreign currency collection investigations commission
20 EUR
Receiving payment orders:
Commission value
from banks in favor of BT clients
Commission value
0 LEI
from other banks on behalf of and/or in favor of customers of other banks headquartered in the country or abroad in installments, as follows:
Commission value
<= 50.000 LEI (equivalent in EUR)
Commission value
9 LEI, equivalent EUR
> 50,000 LEI (equivalent in EUR)
Commission value
20 LEI, equivalent EUR
Changes or cancellations
30 EUR
Payment orderconditioned received - approval
0.1% min 200 LEI
Payment orderă condiționată primite - verification (ifă is the case)
0.1% min 120 LEI
Payments through accounts opened at BT
At the BT counter
Online
BT România Payment – BT România
At the BT counter
3 EUR
Online
0 LEI
Multiple foreign currency transfers between BT clients – transfers that have individual end beneficiaries and that have been intermediated by a BT client (receipt of funds from abroad and redistribution to individual BT clients)
At the BT counter
10 EUR/ transfer
Online
0 LEI
BT Payment – other bank (SEPA )
At the BT counter
Online
<1,000 Lei (equivalent in EUR)
At the BT counter
15 LEI
in equiv EUR
Online
2.5 LEI
in equiv EUR
<=1.000 – 50.000 LEI (equivalent in EUR)
At the BT counter
15 LEI
in equiv EUR
Online
5 LEI
in equiv EUR
>50,000 Lei (equivalent in EUR)
At the BT counter
25 LEI
in equiv EUR
Online
10 LEI
in equiv EUR
BT payment – another bank (non SEPA)
At the BT counter
0.2% min 20 EUR,
max 800 EUR
Online
0.1% min. 15 EUR,
max. 600 EUR
<=150.000 EUR
At the BT counter
25 EUR/ payment
Online
25 EUR/ payment
>150.000 EUR
At the BT counter
75 EUR/ payment
Online
75 EUR/ payment
Commission for foreign currency payment investigations
At the BT counter
20 EUR
Online
20 EUR
Observations:
1 SEPA (Single Euro Payments Area) is a payment system used only for cashless euro payments,
available in EU member countries and in a few other countries (Switzerland, Norway, and Liechtenstein). A SEPA payment must
respect the following criteria: the currency in which the payment is made must be EURO; the payment must be made in the region
normal; the type of commissions is SHA (meaning the fees are borne by each participant in the transaction);
payment is made to a bank in the EU and Switzerland, Norway and Liechtenstein.
2 Any payment that does not comply with the criteria of a SEPA payment.
Issuance of bank checks
0.50% min. 10 EUR
Expenses for registration, collection, and reissuance of bank checks in another currency and traveler's checks:
check with value <5,000 EUR
1.50% min. 40 EUR/check
check with value >= 5,000 EUR
1.50% max. 300 EUR/check
NOTE:
- for checks in the amount ≥ 5,000, a special courier fee is also charged
- travelers' checks are not paid on the spot, they are processed as bank checks
Cancelled checks (upon presentation of the original checks issued by BT) or returned unpaid (checks submitted for collection)
10 EUR/check
Commission stop payment
commission swift message
NOTE:
- for point 1. and point 2. for operations of issuing and remitting foreign currency checks, commissions are charged in the currency of the check
- for all the above operations the corresponding banks' fees are also added
Cash operations
Cash deposits into individuals' accounts, at the bank's counter, by third parties
15 LEI/ deposit
Cash deposits into the accounts of individuals at the bank counter for payment of installments, loans, credit card, credit line for the current account, in the Kidcont account, by third parties
0 LEI
Cash deposits into individual accounts, at the bank counter of the account holder/authorized person
0 LEI
Cash deposits into individual accounts, made with BT card, through terminals available in BT units (BT Express, BT Express Plus)
0 LEI
Cash deposit in currency - for amounts exceeding 100 coins/deposit
2% of the deposited amount
Operation type
Commission value
From the current account
Commission value
0 – 10,000 EUR
0.9% min 4.5 EUR
10,000.01 – 99,999.99 EUR
1,5%
>=100.000 EUR
2 %
For amounts drawn from credit
0 EUR
All fees are set in EUR, but they may be charged in the equivalent in lei or other convertible currencies, according to the client's request, at the exchange rate of the National Bank of Romania (BNR) on the day of their collection. Foreign currency fees charged in "lei equivalent" are collected at the reference rate established by the BNR, valid for the day of their collection. Fees withheld by correspondent banks are charged to clients who have ordered the foreign currency operations.
ⁱ (a) The commissions for operations with payment orders listed at this point do not include commissions charged by intermediary banks.
- For payments under DSP* made at the counter, the amount of these fees will be calculated and communicated to the client at BT branches and agencies, before any transaction.
- For payments under DSP* made through the Internet banking service, the amount of these fees is available to clients in the application used
- For non-DSP* payments, the commissions of intermediary banks are communicated to the clients and are withheld after the payment is made and will be borne as follows:
- In case of payments with the “OUR” option by the BT client ordering the payment
- In case of payments with the “BEN” option by the payment beneficiary
- For foreign currency payments that require modifications (e.g. discrepancy between the beneficiary name and account, beneficiary account and the currency sent) it is possible that the beneficiary bank will withhold an additional fee (repair charges); in this case, the fee requested by the beneficiary bank / the modified foreign currency payment is communicated to clients and is withheld after the payment is made, as they are received from the beneficiary bank.
*DSP – Payment Services Directive :
- Payments DSP - will include payments to DSP countries in DSP currencies
- EEA countries: Austria, Belgium, Bulgaria, Cyprus, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, United Kingdom, Norway, Netherlands, Poland, Portugal, Czech Republic, Romania, Slovakia, Slovenia, Spain, Sweden, Hungary, Croatia. EEA currencies used at Banca Transilvania: EUR, Danish krone (DKK), Swiss franc (CHF), British pound (GBP), Norwegian krone (NOK), Polish zloty (PLN), Czech koruna (CZK), leu (RON), Swedish krona (SEK), Hungarian forint (HUF)
*SEPA – Single Euro Payments Area
SEPA Countries:
Member states of the European Union:
- Eurozone countries: Austria, Belgium, Cyprus, Croatia, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, the Netherlands, Portugal, Spain and Slovenia;
- Non-euro zone states: Bulgaria, Czech Republic, Denmark, Latvia, Lithuania, Hungary, Poland, Romania, Slovakia, Sweden and the United Kingdom;
- Member States of the European Economic Area (European Economic Area – EEA): Iceland, Liechtenstein, Norway;
- Switzerland and Monaco.
SEPA will also expand to the following territories, considered part of the European Union (Art. 299 Treaty of Rome): Martinique, Guadeloupe, French Guiana, Reunion, Gibraltar, Azores, Madeira, Canary Islands, Ceuta and Melilla and the Aland Islands
No correspondent bank fee is charged for SEPA payments.
(b) For collections whose payers have chosen the “SHA” or “BEN” option, the intermediary banks' fees are communicated to the clients and withheld at the same time as the collection is made.
Transfers of foreign exchange receipts and payments must comply with the legality criteria arising from the current legislative and internal regulatory framework. Depending on the risks associated with transactions from the perspective of money laundering/terrorism financing and international sanctions, Banca Transilvania:
i) does not honor any kind of transfers with country indicators under international sanctions/restrictions: Cuba, Iran, Syria, Sudan, South Sudan, North Korea, Belarus, the Transnistria Region of the Republic of Moldova and the Crimea, Donetsk, Luhansk, Zaporizhzhia and Kherson Regions of Ukraine, Afghanistan and Venezuela.
ii) requests the presentation of supporting documents for processing transfers to/from the countries: Democratic Republic of Congo, Zimbabwe, Myanmar/Burma, Libya, Iraq, Nicaragua, Russian Federation and Ukraine (additionally, in the case of payments it is necessary to complete the Self-Declaration for informing clients about the risk of blocking funds).
- Eurozone countries: Austria, Belgium, Cyprus, Croatia, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, the Netherlands, Portugal, Spain and Slovenia;
- Non-euro zone states: Bulgaria, Czech Republic, Denmark, Latvia, Lithuania, Hungary, Poland, Romania, Slovakia, Sweden and the United Kingdom;
- Member States of the European Economic Area (European Economic Area – EEA): Iceland, Liechtenstein, Norway;
- Switzerland and Monaco.
