Taxes and commissions
Last update: 11.06.2026
The most frequent operations
Operations
if the presented documentation is complete
free
if the bank needs to obtain additional information from RECOM
45 Lei
Current account administration (in the currency of the current account)
10 lei/month/account or
free within an Unlimited Package/First Year Account Free
Daily and monthly account statement in electronic format
free
Card issuance
10 Lei/card or free
within an Unlimited Package
Annual card maintenance
50 Lei/card or free
within an Unlimited Package
Cash withdrawals from BT ATM
0.4% or the first 5 free withdrawals
within an Unlimited Package
Internet banking and mobile banking subscription
25 Lei
NOTE:
Free with First Year Account Free or if you already have BT Ultra Web
Intrabank and interbank collections with payment order, including instant, in lei and foreign currency
free
Intrabank payments in lei or foreign currency through electronic channels
free
Interbank payments through electronic channels, including instant, in LEI and in EUR,
to an account of a bank in the SEPA area*
0– 49,999.99 LEI
5 LEI
≥ 50,000 Lei
10 LEI
NOTE:
* For interbank payments in Eur, fees are charged in Eur equivalent. For payments in lei, Transfond/BNR commission included.
Deposit made at BT ATMs
free
Pick-up from BT counters in LEI
1% min 10 LEI
Complete list of taxes and fees
Account opening
If the presented documentation is complete
free
If the bank obtains additional information from RECOM
45 LEI
By correspondence
10 EUR
Current account
Current account administration (in the currency of the current account)
10 LEI/month/account
Demand deposit interest
0%
Monthly account statement listed
free
Monthly account statement in electronic format
free
Daily account statement listed
15 LEI/extract
Daily account statement in electronic format
free
Issuing duplicates of account statements, of documents annexed to the account statement (payment order on paper support, receipts, forms)
15 LEI/duplicate
Additional commission for client account management CAEN Code: Gambling and betting activities
450 LEI/month
If the presented documentation is complete
free
If, within the process of data updating, the bank obtains information from RECOM
45 LEI
Transfers
Intrabank and interbank receipts with payment order, including instant, in lei and foreign currency
free
Intrabank payments through electronic channels in lei and foreign currency
free
Interbank payments through electronic channels in lei, including instant, interbank payments in EUR, to an account of a bank in the SEPA area, including instant in EUR, to an account of a bank in the SEPA area that accepts the instant option (up to a maximum amount of 10,000 euros/payment
up to 49,999.99 Lei
5 LEI
≥ 50,000 Lei
10 LEI
Urgent interbank payments in lei via electronic channels (including NBR commission)
10 LEI
Interbank payments in Eur through electronic channels, to an account of a bank outside the SEPA area or
in currencies other than Eur, in or outside the SEPA area
0.1%, min. 15 EUR
max. 600 EUR
External interbank payment in lei
10 LEI
free
External payment from BT account to Victoriabank account (MD) in lei, EUR, USD, GBP, CHF
free
NOTE:
Transfond/BNR Commission included. The commission for foreign currency payments is charged in the payment currency.
Payments and intrabank collections through debit instruments (check/bill of exchange)
5 LEI
Interbank payments and collections through debit instruments (check/bill of exchange)
10 LEI
NOTE:
In the case of a payment instrument (check/bill of exchange) refused for payment, the commission related to payment by means of payment instruments (check/bill of exchange) will be charged.
The interbank collection fee with a debit instrument includes the TRANSFOND fee.
Additional commission cec / promissory note settled non-electronically
free
Remittance for collection of checks / promissory notes
free
Commission for issuing checks / promissory notes
free
Check certification
25 LEI / instrument
Transfers at the desk
Intrabank payments at the counter with payment order in lei
15 LEI
Interbank payments at the counter with payment order in LEI, Interbank payments in EUR at the counter, to an account of a bank from the SEPA area, all in EUR equivalent
from 0 to 49,999.99 Lei
20 LEI
amounts ≥ 50,000 Lei
30 LEI
Urgent interbank payments in lei with payment order at the counter (BNR commission included)
30 LEI
Intrabank foreign currency payments at the counter
5 EUR
Interbank payments in Eur at the counter, to an account of a bank outside the SEPA area or in currencies other than EUR, inside or outside the SEPA area (SWIFT commission included)
0.2%, min. 20 EUR
max. 800 EUR
External payment in lei at the counter
30 LEI
free
External payment at the counter from BT account to Victoriabank (MD) account in lei, EUR, USD, GBP, CHF
free
Emergency commission applied to foreign currency payments
30 EUR, in the equivalent of the payment currency
Change/cancellation of foreign currency payment
30 EUR
Changes in foreign currency receipts with incorrect details
5 EUR
Investigations of foreign currency receipts / payments
20 EUR
NOTE:
- For collections made based on debit payment instruments by electronic clearing, the TRANSFOND commission is 0.88 Lei/collection.
- For declined debit payment instruments, the TRANSFOND fee is 0.55 Lei/decline.
- For payments with payment orders, the fees charged by TRANSFOND, respectively BNR, are: 0.51 Lei/payment for transactions between 0 – 49,999.99 Lei, TRANSFOND fee for processing through the SENT system; 6.00 Lei/payment for transactions ≥ 50,000 Lei (inclusive) or any amount settled on an emergency basis, BNR fee for processing through the ReGIS system. 0.45 Lei/payment instant, Transfond fee for payments ≤ 49,999.99 Lei.
Internet Banking
Internet Banking and/or Mobile Banking
25 LEI/ month
NOTE:
Free with First Year Account Free or if you already have BT Ultra Web
Internet subscription and BT Ultra Web mobile banking
20 EUR
BT Sign – software token for BT Ultra Web authentication
5 EUR/ month
(starting with the second user)
Non-refundable commission for physical token device, for authentication in BT Ultra Web
50 LEI
Cash operations
Deposit made at BT ATMs
free
Deposit in foreign currency at the bank counter (EUR and USD)
free
Deposit made by authorized representatives or delegates at the bank counter
0.1%, min. 10 LEI
Deposit made by persons other than authorized representatives or delegates at BT counters
0.5% min 20 LEI
Deposit in metal currency for amounts exceeding 100 coins/deposit
2%
Slow currency deposit (all currencies except EUR and USD)
0,30%
Cash withdrawal from BT counters in lei
1% min 10 LEI
Currency withdrawal from BT counters
1% min 3 EUR
Withdrawal from BT ATMs in foreign currency
0.8% min 3 EUR
Collection and transport
negotiable
Card operations
Card operations
NOTE:
* It is charged on the 26th of the month if the company does not record a turnover at least equal to the amount used from the credit at the end of the previous month, this fee will be applied to the balance of the credit used at the end of the previous month.
** A commission of 3.5 Lei will be charged only once for the generation and submission of all transaction reports per company.
Other services and products
BT Alert Option 40, with 40 SMS included
10 LEI/ month + 0.5 Lei / additional SMS
BT Alert Option 80, with 80 included SMS messages
20 LEI/ month + 0.5 Lei/ additional SMS
SMS Alert Service - notifications related to card payments
5 LEI/ month / card in LEI
1 EUR/ month / card in EUR
1.5 USD/ month / card in USD
SMS Seizure Service - notifications related to seizures
free
SMS Direct Debit Service - notifications related to direct debit payments (upcoming payment, payment confirmation)
2 LEI/ month/ mandate
Making payments in the intrabank direct debit system
free
Making payments in the interbank direct debit system
Commission for refusal of payment of an interbank direct debit instruction
free
Monthly subscription
85 LEI + VAT
Commission for each payment order submitted
8.4 LEI + VAT/ payment order
to the treasury
Daily transmission of the account statement or the balance of an account via SWIFT message to a beneficiary with an account opened at another bank based on the request received from the BT client
25 EUR/ month
for each currency
Account handling of posting
25 LEI/month
(is retained from the current account)
35 lei/month (deducted from the current account)
CIP Consultation at the client's request
5 LEI + VAT
Commission for the cancellation of C.I.P. prohibitions based on a final court ruling
4.5 LEI + VAT
Monthly fee
15 EUR/ month/ customs office (equiv. RON)
Commission for instituting garnishment free of charge
free
Commission payment garnishment
50 LEI/ payment greater than or equal to
50 LEI free/ payment less than 50 LEI
Commission for suspension/cessation of garnishment
free
Release of addresses at the client's request (official confirmation of account numbers, confirmations for audit companies, confirmations of authorized persons on the bank account, credit refinancing, mortgage cancellation if the release was made after at least 60 days from the credit closing date)
50 LEI + VAT
Approval of new signature specimens for legal entities
free
Letters of credit
*Issuance/increase/extension of letter of credit - in LEI
0.15% / quarter or fraction of quarter,
min.300 LEI/ quarter or fraction of a quarter.
*Issuance/increase/extension of letter of credit - in EUR
0.15% / quarter or fraction of quarter,
min.75 EUR/ quarter or fraction of a quarter
Document verification - in LEI
0.10%, min 200 LEI
Document verification - in EUR
0.10%, min 50 EUR
Payment
idem transfers
Change / Cancellation - in LEI
120 LEI
Modification / Cancellation - in EUR
30 EUR
NOTE:
*Commission collected in full on the date of issuance/increase/extension, for the entire validity period of the commitment.
Approval, increase - in LEI
0.10%, min. 300 LEI
Approval, increase - in EUR
0.10%, min. 75 Eur
Document handling / Sending - in LEI
0.15%, min. 300 LEI
Handling / Sending documents - in EUR
0.15%, min. 75 EUR
Change / Cancellation - in LEI
120 LEI
Modification / Cancellation - in EUR
30 EUR
Confirmation
Negotiable
(se va determina în funcție de
risk class of the country/issuing bank)
Pre-document check - in LEI
200 LEI / set of documents
Pre-check document - in EUR
50 EUR / set of documents
Transfer of the letter of credit in favor of another beneficiary - in LEI
0.20%, min. 400 LEI
Transfer of the letter of credit in favor of another beneficiary - in EUR
0.20%, min. 100 EUR
Assignment of collections within the letter of credit - in LEI
400 LEI
Assignment of collections within the letter of credit - in EUR
100 EUR
Cancellation of the assignment letter - in RON
120 LEI
Cancellation of the assignment letter - in EUR
30 EUR
Approval of assignment in favor of a BT client - in RON
120 LEI
Approval of the assignment in favor of a BT client - in EUR
30 EUR
Discrepant expenses (deducted from the payment made under the letter of credit) - in LEI
320 Lei / set of documents
Discrepant charges (deducted from the payment made under the letter of credit) - in EUR
80 Eur / set of documents
Commission in case of non-submission of additional photocopies of documents by the letter of credit beneficiary (deducted from the payment made under the letter of credit) - in LEI
40 LEI
Commission in case of non-submission of additional photocopies of the documents by the letter of credit beneficiary (deducted from the payment made within the letter of credit) - in EUR
10 EUR
Incasso
Simple collection approval (clean) - in LEI
80 LEI
Simple incasso approval (clean) - in EUR
20 EUR
Payment
idem transfers
Release of documents / Release of goods shipped to BT address - in LEI
60 LEI
Release of documents / Release of goods shipped to BT address - in EUR
15 EUR
Modification / Unpaid returned documents - in LEI
80 LEI
Change / Returned unpaid documents - in EUR
20 EUR
Remittance for collection simple incasso - in LEI
60 LEI
Remittance on collection simple incasso - in EUR
40 EUR
Remittance on documentary collection - in LEI
0.15%, min. 80 LEI, max. 2000 LEI
Remittance for documentary collection - in EUR
0.15%, min. 20 EUR, max. 500 EUR
Change - in LEI
80 LEI
Change - in EUR
20 EUR
Letters of guarantee/ Standby Letters of Credit
*Issuance / increase / extension of letter of guarantee, secured with cash collateral - in LEI
0.25% / quarter or fraction of quarter,
min. 100 LEI / quarter or fraction of quarter
*Issuance / increase / extension of guarantee letter, secured with cash collateral - in EUR
0.25% / quarter or fraction of quarter,
min 50 EUR / quarter or fraction of quarter.
*Issuance / increase / extension of guarantee letter, guaranteed with guarantees other than cash collateral - in RON
(0,25+risk premium)% / quarter.
or postage stamp fraction,
min. 100 LEI /quarter or fraction of a quarter
*Issuance / increase / extension of guarantee letter, guaranteed with guarantees other than cash collateral - in EUR
(0,25+risk premium)% / quarter.
or postage stamp fraction,
min. 50 EUR /quarter or fraction of quarter
Modification/ Cancellation of letter of guarantee - in LEI
75 LEI
Modification/ Cancellation of guarantee letter - in EUR
20 EUR
Payment in case of an enforcement request fee
idem transfers
NOTE:
*Commission collected in full on the date of issuance/increase/extension, for the entire validity period of the commitment.
Approval of the letter of guarantee - in LEI
250 LEI
Approval of the letter of guarantee - in EUR
50 EUR
Verification of authorized signatures - in LEI
50 LEI
Verification of authorized signatures - in EUR
10 EUR
Transmission of payment requests in the execution of guarantee letters - in LEI
0.20%, min. 250 LEI,
max. 800 LEI
Transmission of payment requests in the execution of letters of guarantee - in EUR
0.20%, min. 50 EUR,
max. 200 EUR
Modification / cancellation of letter of guarantee - in LEI
75 LEI
Change / cancellation of guarantee letter - in EUR
20 EUR
Conditional payment order
Approval - in LEI
0.1%, min. 200 LEI
Approval - in EUR
0.1%, min 50 EUR
Verification (if applicable) - in LEI
0.1%, min. 120 LEI
Check (if applicable) - in EUR
0.1%, min. 30 EUR
Issuance
negotiable
Comfort letters
Issuance of a comfort letter involving a firm commitment from the bank - in LEI
0.25% of the value of the letter,
min. 250 LEI + VAT
Issuance of a comfort letter involving a firm commitment from the bank - in EUR
0.25% of the value of the letter,
min. 50 EUR + VAT
Issuance of a comfort letter that does not involve a firm commitment from the bank - in LEI
0.1% of the value of the letter,
min. 250 LEI + VAT
Issuance of a comfort letter that does not involve a firm commitment from the bank - in EUR
0.1% of the value of the letter,
min. 50 EUR + VAT
Escrow Account
Escrow account management commission - in LEI
0.5% of the amounts collected,
min 50 LEI / month
Escrow account management fee - in EUR
0.5% of the amounts collected,
min 15 EUR / month
Bank cheques in foreign currency
Issuance of bank checks
0.75%, min 10 Eur
Expenses for registration, collection, and sending of foreign currency bank checks
1.50%, min. 40 EUR max. 300 EUR/check
NOTE:
NOTE: For checks valued ≥ 5,000 Eur, a special courier commission is also charged;
Canceled checks (upon presentation of the original checks issued by Banca Transilvania) or returned unpaid (of the checks submitted for collection)
10 EUR/check
Commission stop payment
commission swift message
Other fees regarding documentary operations
Commission SWIFT message
10 EUR
Operations with government securities
Opening relationship
75 LEI
Intermediation offer on the primary market
between 100,000.01 - 500,000 LEI
0,15%
between 500,000.01 - 1,000,000 LEI
0,10%
over 1,000,000 LEI
0,05%
on the secondary market
free
Mortgage registration fee
150 LEI
Title transfer commission (only for those leaving BT)
100 LEI/series
Current account commission securities
120 LEI annually, collected monthly/account with balance
NOTE:
The above commissions are added to the commissions charged by SAFIR (processing and settlement, notarial service, centralized administration).
Commission for processing cash on delivery operations (sale/purchase, reversible operations, guarantee enforcement by sale)
3 LEI/piece
Commission for processing delivery operations without payment (portfolio transfer, guarantee enforcement by appropriation, substitution of reversible operations, margin call)
4 LEI/piece
Commission for processing payment events (coupon payment, interest payment, redemptions)
0.40 LEI/piece
Commission for primary market operations (including re-openings of issues)
10.50 LEI/piece
Commission for processing primary market results (including switches)
0.40 LEI/piece
Commission for processing guarantees (pledge registration, pledge substitution, disputed securities, pledge beneficiary transfer, transfer of pledged securities portfolio, pledge release)
4 LEI/piece
NOTE:
Centralized administration commission applicable to holdings of financial instruments for which the SAFIR system acts as the issuer CSD – calculated monthly.
1. To the nominal value of the portfolio recorded at the end of each working day within the reference month, a percentage is applied, depending on the classification of the portfolio into value tranches, as follows: 0.00049% (≤ 500,000,000 Lei), 0.00048% (500,000,001 – 10,000,000,000 Lei), 0.00047% (>10,000,000,000 Lei).
2. The values thus calculated are accumulated at the end of the month, and the result is divided by the number of working days in that month.
Commissions for operations with financial instruments on international markets
Custody commission (CLEARSTREAM)
0.05% - 0.10% / year negotiable, collected monthly
Payment commissions
25 EUR negotiable/payment
Amendment fee/ cancellation
15 EUR/operation
Coupon collection
15 Eur/operation
Tax reclaim
70 EUR/operation
NOTE:
NOTE: All commissions include VAT.
Commissions established in EUR are charged in the operation's currency, at the B.N.R. conversion rate on the day of their collection. These may also be charged in the equivalent LEI or other convertible currencies, at the B.N.R. conversion rate on the day of their collection.
Commissions set in LEI are charged only for transactions in LEI.
Commissions withheld by intermediary banks are charged to customers who ordered foreign currency transactions and are communicated to customers as follows:
• For collections whose payers have chosen the "SHA" or "BEN" option, the intermediary banks' fees are communicated to the clients and are withheld at the same time as the collection is made.
• 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 via Internet banking, the amount of these fees is available to clients in the application used
• For non-DSP* payments, the commissions of the intermediary banks are communicated to the clients and are withheld after the payment is made, and will be borne as follows:
» In the case of payments with the “OUR” option by the BT client ordering the payment
» In the case of payments with the "BEN" option by the payment beneficiary.
For foreign currency payments requiring changes (e.g. discrepancy between name and beneficiary account, beneficiary account and sent currency), in addition to the BT amendment/investigation fee, it is possible that the beneficiary/intermediary bank will withhold an additional fee; in this case, the fee requested by the beneficiary/intermediary bank related to the modified foreign currency payment is communicated to the clients and is withheld after the payment is made, as it is received from the beneficiary/intermediary bank.
In addition to the above conditions, transmission fees (for example: telephone, fax, SWIFT, telex, mail, DHL, etc.) will be charged where applicable.
In case not otherwise specified, all commissions are charged following the execution of the respective transaction.
*DSP – Payment Services Directive :
• DSP Payments - 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 in 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, Netherlands, Portugal, Spain, and Slovenia;
• Non-euro area states: Bulgaria, Czech Republic, Denmark, Latvia, Lithuania, Hungary, Poland, Romania, Slovakia, Sweden; 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 Åland Islands.
The bank reserves the right to modify the fees and commissions from this list. The new fees and commissions will be made available to clients, according to the provisions in the General Terms and Conditions of Transilvania Bank applicable to Legal Persons.
The Bank reserves the right to charge the client any fees applied by the National Bank of Romania or other banks involved in processing a given operation.
Risk-related commissions will be charged in addition to the above-mentioned commissions, depending on the case.
In order to align with European Community legislation, starting from the year 2007, some categories of fees become subject to VAT. In the account statement, the fee and the related VAT will appear as separate operations, and at the end of each month an invoice will be issued containing all the VAT-bearing operations from the respective month.
