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To withdraw an amount greater than 40,000 RON or 5,000 EUR, you need to make an appointment at the agency at least 24 hours in advance.
Scheduling is necessary because, for security reasons, both for customers and employees, we do not keep large amounts of money in neighborhood agencies. Therefore, for large withdrawals, the agency must be notified to bring the money to the unit. 😊
⚖ In addition, you should know that the legislation in Romania provides for maximum limits of cash transactions, namely: 10,000 RON / day / for payments for legal entities. In case natural persons, in general, there is no limit imposed by law. However, you must take into account that any cash transaction over the value of 10,000 EUR or equivalent - regardless of currency - is reported automatically according to laws 129 / 2019 for the prevention and combating of money laundering and terrorist financing to the National Office for the Prevention and Combating of Money Laundering.
Also, cash operations carried out by individuals, as a result of the transfer of ownership rights over certain goods, the provision of services, as well as those representing the granting or repayment of loans, can be carried out within a daily ceiling of 50,000 RON / transaction. Under these conditions, for larger amounts, it is requested supporting documents📃, which may also include self-declarations of clients (regarding the destination of the sums).
❗ Considering these conditions, banks (including Banca Transilvania) have the obligation to monitor compliance with the established limits and implicitly to request supporting documents for cash withdrawals exceeding certain amounts.
Practically, according to the legislation, the Bank is obliged to request supporting documents for transactions of natural persons that exceed 50,000 RON / transaction.
Is it a good thing for society and customers that there is legislation requiring proof of the destination of funds?
🤓 Yes, we believe so – especially since this legislation is similar in all civilized countries and throughout Europe. It is a good thing to have rules and for transactions to be verified, to ensure the transparency of transactions, the purpose for which they are carried out, and to make sure that illicit activities are not easily conducted. That is, these limits and legal regulations – which exist everywhere in Europe – help to have a solid society and financial ecosystem, with rules and protected from illegal activities.
You can request a Star Forte shopping card simply and quickly, 100% online, in BT Pay or visiting a BT unit.
Online (recommended for the short time of granting):Fill out the form on the website bancatransilvania.ro. The process is digital, and the required documents are obtained automatically through interconnection with ANAF, shortening the waiting time.
In BT unit: We are waiting for you in any Banca Transilvania branch, where a consultant will assist you with the application process.
The cards STAR Forte, Mastercard Forte for Doctors, STAR Gold, VISA Gold Rotary and STAR Platinum are included in our loyalty program, STAR BT. ⭐
Through this program, you benefit from points and interest-free installments at partner stores.
For each transaction made entirely with one of the cards mentioned above, at any partner merchant, you receive STAR BT points. 🤩
And 1 point received is worth 1 leu.
You can use the points accumulated at partner merchants and, furthermore, with this card you have the possibility to pay in fixed installments, without interest, the number of installments being able to vary depending on the merchants. 😃
Yes, it is possible. Registration in the Credit Bureau does not automatically mean the rejection of a loan. We analyze the type of registration, your history and your current situation, and we see together what solutions exist.
If you are thinking about taking out a new loan, you can calculate the monthly installments online in BT loan simulator and then you find out by phone if you qualify for the desired amount. Come anytime BT unit let's discuss all the details or research online, on our website, where we have prepared all the crediting options for you. 😉
*It is important to keep in mind that the results from the simulator are indicative. You can get a personalized answer at any of our units, where a consultant will talk with you.
Currently, you can repay in advance, in full or in part, a loan in progress at BT only at a BT branch. You just need to deposit into your current account the amount you want to pay in advance and then present yourself with your identity document, at any BT branch to complete the early repayment application.
There is no minimum income threshold to be able to apply for a BT credit. But it is good to know that your income influences the amount you can borrow and implicitly the monthly installment you will pay.
To get an idea about the rate, you can quickly do a simulation here or we are waiting for you at any BT unit so that we find together the optimal option for you. 🤗
The minimum income required to apply for a Star Card shopping card is:
- Star Forte: 800 lei
- Star Gold: 4,000 lei
- Star Platinum: 12,000 lei
Income refers to that obtained from salaries, pensions or other accepted incomes. The bank will perform an eligibility analysis based on your current incomes and expenses, according to the BNR regulations.
