Taxes and fees
Last update: 24.07.2026
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 management (in the currency of the current account)
10 lei/month/account or
free within an Unlimited Package/The First Year Free Account
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 first 5 withdrawals free
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
Receipts intrabank and interbank with a 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 from the SEPA area*
0– 49,999.99 LEI
5 LEI
≥ 50,000 Lei
10 LEI
NOTE:
* For interbank payments in Eur commissions are charged in Eur equivalent. For payments in lei Transfond/BNR commission included.
Deposit made at BT ATMs
free
Pickup from BT counters in LEI
1% min 10 LEI
Complete list of fees and commissions
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 management (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 printed
15 LEI/extract
Daily account statement in electronic format
free
Reissue of duplicates of the account statement, of the documents attached to the account statement (paper payment order, receipts, forms)
15 LEI/duplicate
Additional commission management client account CAEN Code: Gambling and betting activities
450 LEI/month
If the presented documentation is complete
free
If during the process of updating the data the bank obtains information from RECOM
45 LEI
Transfers
Intrabank and interbank collections 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 through electronic channels (BNR commission included)
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 zone
0.1%, min. 15 EUR
max. 600 EUR
External interbank payment in lei
10 LEI
free
External payment from BT account to Victoriabank (MD) account in lei, EUR, USD, GBP, CHF
free
NOTE:
Transfond/BNR Commission included. The commission for foreign currency payments is charged in the currency of the payment.
Intrabank payments and collections through debit instruments (check/promissory note)
5 LEI
Payments and interbank collections through debit instruments (check/promissory note)
10 LEI
NOTE:
In case of a debit instrument (check/bill of exchange) refused for payment, the commission related to payment by debit instruments (check/bill of exchange) will be charged.
The interbank collection fee with debit instrument includes the TRANSFOND fee.
Additional commission cec / promissory note settled nonelectronic
free
Remittance for collection of checks / promissory notes
free
Commission for issuing checks / promissory note
free
Check certification
25 LEI / instrument
Transfers at the counter
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 in the SEPA area, all in EUR equivalent
from 0 to 49,999.99 Lei
20 LEI
sums ≥ 50,000 Lei
30 LEI
Urgent interbank payments in lei with payment order at the counter (BNR commission included)
30 LEI
Intrabank 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 (including SWIFT commission)
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 account (MD) in lei, EUR, USD, GBP, CHF
free
Emergency commission applied to currency payments
30 EUR, in the equivalent of the payment currency
Modification/cancellation of foreign currency payment
30 EUR
Changes in foreign currency collections with incorrect details
5 EUR
Investigations of currency receipts / payments
20 EUR
NOTE:
- For collections made based on debit payment instruments through electronic compensation, the TRANSFOND commission is 0.88 Lei/collection.
- For refused debit payment instruments, the TRANSFOND fee is 0.55 Lei/refusal.
- For payments with payment order, the fees charged by TRANSFOND and BNR are: 0.51 Lei/payment for transactions between 0 – 49,999.99 Lei, TRANSFOND commission for processing through the SENT system; 6.00 Lei/payment for transactions ≥ 50,000 Lei (inclusive) or any amount settled urgently, BNR commission for processing through the ReGIS system. 0.45 Lei/instant payment, Transfond commission 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 from the second user)
Cash operations
Deposit made at BT ATMs
free
Foreign currency deposit at the bank counter (EUR and USD)
free
Deposit made by authorized representatives or delegates at the bank counter
0.1%, min. 10 LEI
Submission 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%
Withdrawal from BT counters in lei
1% min 10 LEI
Withdrawal from BT currency 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 register a turnover at least equal to the amount used from the credit at the end of the previous month, this commission 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 generating and sending all transaction reports per company.
Other services and products
BT Alert Option 40, with 40 included SMS messages
10 LEI/ month + 0.5 Lei / additional SMS
BT Alert option 80, with 80 SMS included
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 through intrabank direct debit system
free
Making payments through 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 sent
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 from the BT customer
25 EUR/ month
for each currency
Account management of consignment
25 LEI/month
(is retained from the current account)
35 lei/month (will be withheld from the current account)
CIP consultation at the client's request
5 LEI + VAT
Commission for the cancellation of C.I.P. restrictions based on a final court decision
4.5 LEI + VAT
Commission 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 customer'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 loan 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 a 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 a quarter,
min.75 EUR/ quarter or fraction of a quarter
Document verification - in LEI
0.10%, min 200 RON
Document verification - in EUR
0.10%, min 50 EUR
Payment
idem transfers
Change / Cancel - 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
Handling / Document submission - in LEI
0.15%, min. 300 LEI
Handling / Forwarding documents - in EUR
0.15%, min. 75 EUR
Change / Cancel - in LEI
120 LEI
Modification / Cancellation - in EUR
30 EUR
Confirmation
Negotiable
(will be determined according to
risk class of the country/issuing bank)
Pre-verification document - 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 under the letter of credit - in LEI
400 LEI
Assignment of collections under the letter of credit - in EUR
100 EUR
Cancellation of the assignment letter - in LEI
120 LEI
Cancellation of the assignment letter - in EUR
30 EUR
Approval of assignment in favor of a BT client - in LEI
120 LEI
Approval of 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 expenses (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 copies of documents by the beneficiary of the letter of credit (deducted from the payment made under the letter of credit) - in LEI
40 LEI
Commission in case of non-presentation of additional photocopies of documents by the letter of credit beneficiary (deducted from the payment made within the letter of credit) - in EUR
10 EUR
Incasso
Simple incasso approval (clean) - in LEI
80 LEI
Simple collection advice (clean) - in EUR
20 EUR
Payment
idem transfers
Release of documents / Release of goods shipped to the BT address - in LEI
60 LEI
Release of documents / Release of goods shipped to the BT address - in EUR
15 EUR
Change / Unpaid returned documents - in LEI
80 LEI
Modification / Unpaid returned documents - in EUR
20 EUR
Remittance for simple collection - in LEI
60 LEI
Remittance on collection simple - in EUR
40 EUR
Remittance for 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
Guarantee letters/ Stand by Letters of Credit
*Issuance / increase / extension of letter of guarantee, guaranteed with cash collateral - in RON
0.25% / quarter or fraction of quarter,
min. 100 LEI / quarter or fraction of a quarter
*Issuance / increase / extension of letter of guarantee, guaranteed with cash collateral - in EUR
0.25% / quarter or fraction of quarter,
min 50 EUR / quarter or fraction of a quarter.
*Issuance / increase / extension of letter of guarantee, guaranteed with other guarantees than cash collateral - in LEI
(0.25+risk premium)% / quarter.
or shipment fraction,
min. 100 LEI /quarter or fraction of a quarter
*Issuance / increase / extension of letter of guarantee, guaranteed with other guarantees than cash collateral - in EUR
(0.25+risk premium)% / quarter.
or shipment fraction,
min. 50 EUR /quarter or fraction of quarter.
Change/ Cancellation of guarantee letter - in LEI
75 LEI
Modification/ Cancellation of guarantee letter - in EUR
20 EUR
Payment in case of a request for enforcement 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 guarantee letters - in EUR
0.20%, min. 50 EUR,
max. 200 EUR
Modification / cancellation of guarantee letter - in LEI
75 LEI
Modification / 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
Verification (if applicable) - in EUR
0.1%, min. 30 EUR
Emission
negotiable
Comfort letters
Issuance of 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 imply 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 fee - in RON
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 drafts in foreign currency
Releases of bank checks
0.75%, min 10 Eur
Expenses for recording, collection and forwarding of foreign currency bank checks
1.50%, min. 40 EUR max. 300 EUR/cheque
NOTE:
NOTE: For checks in the amount ≥ 5,000 Eur, a special courier fee is also charged;
Cancelled checks (upon presentation in original of checks issued by Banca Transilvania) or returned unpaid (of checks submitted for collection)
10 EUR/cheque
Commission stop payment
commission swift message
Other commissions regarding documentary operations
Commission SWIFT message
10 EUR
Operations with government securities
Open 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
Pledge registration commission
150 LEI
Transfer fee commission (only for those leaving BT)
100 LEI/series
Current account commission titles
120 LEI annually, collected monthly/account with balance
NOTE:
The above commissions are supplemented by the commissions charged by SAFIR (processing and settlement, notarial service, centralized administration).
Commission for processing cash-on-delivery operations (sale/purchase, reversible operations, enforcing guarantees through sale)
3 LEI/piece
Commission for processing delivery operations without payment (portfolio transfer, enforcement of guarantees 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 reopening of issues)
10.50 LEI/piece
Commission for processing primary market results (including conversions)
0.40 LEI/piece
Commission for processing guarantees (recording pledge, replacing pledge, disputed securities, pledge beneficiary transfer, pledge securities portfolio transfer, pledge release)
4 LEI/piece
NOTE:
Centralized management commission applicable to holdings of financial instruments for which the SAFIR system acts as the issuing 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 portfolio's classification 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 the respective month.
Commissions for operations with financial instruments on international markets
Custody commission (CLEARSTREAM)
0.05% - 0.10% / year negotiable, collected monthly
Payment fees
25 EUR negotiable/payment
Amendment fee / cancellation
15 EUR/operation
Coupon redemption
15 Eur/operation
Tax reclaim
70 EUR/operation
NOTE:
NOTE: All commissions are VAT-bearing.
Commissions set in EUR are charged in the currency of the operation, at the exchange rate of the N.B.R. on the day of their collection. They can also be charged in the equivalent LEI or other convertible currencies, at the exchange rate of the N.B.R. on the day of their collection.
Commissions established in LEI are charged only for transactions in LEI.
Commissions withheld by intermediary banks are charged to clients who have ordered foreign currency transactions and are communicated to clients as follows:
• 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.
• 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 the DSP* made through Internet banking, the amount of these fees is available to clients in the application used
• For non-DSP* payments, the fees 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 option “OUR” 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., mismatch between name and beneficiary account, beneficiary account and currency sent), in addition to the BT amendment/investigation fee, the beneficiary/intermediary bank may 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 after the respective transaction is carried out.
*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 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, 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 be extended 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.
The bank reserves the right to modify the fees and commissions in this list. The new fees and commissions will be made available to clients, in accordance with the provisions of the General Business Conditions of Banca Transilvania applicable to Legal Entities.
The Bank reserves the right to charge the client any fees applied by the National Bank of Romania or by other banks involved in processing a given transaction.
The risk-related fees will be charged additionally to the aforementioned fees, depending on the case.
In order to align with European Community legislation, starting from the year 2007, some categories of commissions become subject to VAT. In the account statement, the commission and the related VAT will appear as separate transactions, and at the end of each month, an invoice will be issued containing all VAT-bearing transactions of that month.
