BT Pay Application User Guide

BT PAY is a Mobile Banking application, secure informatics, accessible through a mobile phone with an Internet connection. The BT Pay application can be installed from the App Store.

To benefit from the BT Pay functionalities, it is necessary to:

Either you already have an established business relationship with BT (a current account opened at the bank), or you initiate the opening of a business relationship with BT directly through the BT Pay application;
You hold at least one BT debit or credit card, issued to an individual and/or legal entity, and enroll it/them in the BT Pay application. You can also add cards issued by other financial institutions from Romania (issued in the name or under the Visa/Mastercard/Maestro logo, to an individual) which can be used to perform a limited number of operations, described in point 4 "BT Pay Features".

2. The opening of the business relationship with BT through the BT Pay application

Individuals of legal age, with fiscal residence only in Romania, who do not have an established business relationship with the Bank can apply to become individual clients holding a current account through the BT Pay application.

The process of establishing the business relationship through BT Pay is 100% online, conducted remotely, and results in the customer's enrollment (the application of customer due diligence measures according to legal provisions), the opening of a current account, and the activation of a subscription with various transactional products/services, among those available in the bank's offer.

After completing the application process, requests to open a business relationship initiated through BT Pay can be, as the case may be:

approved: (i) instant or (ii) in the following working days
(iii)rejected, in certain exceptional situations

In any of these situations, the applicant is informed through an in-app notification regarding the resolution of the request initiated by them.

3. Access BT Pay

The application can be used only if the phone is secured by password, fingerprint or another security method offered by the phone.

At BT PAY registration, the user will be asked to set a security code for the application usage (e.g., each time the application is accessed, the user must enter the security code).

In case the user has enabled on the phone the device unlocking function using biometric data (e.g., Face ID, fingerprint), after defining the security code, they will be allowed to replace the authentication method using the security code with the authentication method that uses their biometric data.

The security code or, as the case may be, the device unlocking method using biometric data, will be used at each access of the application, for authorizing contactless payments, online payments, ATM withdrawals, transfers, additional card settings, as well as for authorizing other options that require user authentication.

Following registration, the application user can be classified into one of the following categories:

bank client individual person or
card user.

Depending on the category to which it belongs, the BT Pay user will have access to all BT Pay functionalities, described in chapter 4 BT Pay Functionalities, or only to some of them.

In case the application user is classified only as an additional card user, the following functionalities will not be accessible: Round Up, Bill Payments, Travel insurance, RCA insurance, BT Kiddo, granting an Overdraft type credit line, granting a credit card, updating data in BT Pay, activating RoPay Alias service, adding a non-BT card.

At the same time, BT individual clients, BT Pay users, will have the possibility, during a phone call initiated to/from the Call Center, to be identified through the BT Pay Application, installed on the phone number declared to the bank. Clients who choose such identification will receive a push notification sent in BT Pay, from where they will be able to accept/refuse the identification, and respectively will be able to identify themselves using the phone unlocking method.

4. BT Pay functionalities dedicated to existing customers

See table with all functionalities

In the "Accounts" section, you have the possibility to add and view all your own current accounts, regardless of their currency, opened at Transilvania Bank. At the same time, you have the possibility to carry out transactions through them.

5. How do I set a security code for BT PAY?

You can set the security code from the banner displayed on the main page of the BT PAY application or when accessing the following functionalities: savings, loans, or investments. Also, it can be set by accessing the main menu of the application, "Application Settings" -> "Security".

6. How can I change the security code?

Can you change the security code from the "Application Settings" section in the "Security" menu.

7. I forgot the security code, what do I do?

In case you forgot the security code, you access the "Forgot PIN code?" button, then you will be automatically redirected to go through the identity verification process (acceptance of personal data processing, taking a selfie necessary for validating your identity). After successfully completing the identity verification process, you will be able to set a new security code.

8. How do I activate BT Pay in a Bt unit?

You can activate the Bt Pay application in any BT unit. If you are in a BT unit, access the option “Activate BT Pay in a BT unit” and enter the code provided by the BT operator.

9. Can I use the BT Pay application to schedule a visit to the unit?

You will be able to use the BT Pay application to schedule a visit to one of the Bank's units. To make an appointment, you will need to access the "Contact" section and enter the requested information.

10.How can I contact a consultant if I need support?

You will be able to get in touch with a BT consultant by accessing the BT Pay chatbot, available in the contact section or in the top right corner of the application. The chatbot offers you answers to general questions regarding the functionalities of the BT Pay application, answers created by artificial intelligence. If the answers provided by AI do not resolve the support request, you have the option to enter a chat conversation with a BT consultant.

II. BT card enrollment

1. How do I add a card issued by BT in BT Pay?

Users can add the following types in BT Pay cards issued in the name of a natural or legal person.

Users can add Banca Transilvania cards in BT PAY either from the list of available cards, or by manually entering the card details requested in the application.

Cards issued in the name of a natural person can be enrolled and used in the BT Pay application even if the user has not taken possession of the physical card. The user can take possession of the physical card either by requesting it by courier or by picking up the card from the territorial units of Banca Transilvania within the term established in the General Terms and Conditions of the bank.

Adding the card in the BT Pay application also involves activating it, if the activation was not previously performed at a BT ATM.

If the client has added the card in BT Pay, activated it, but subsequently gains possession of the physical card, to use the card the following operations will be necessary:

the card is reissued at maturity - the user must perform with the physical card a first operation of "Change PIN" from the ATM menu - "PIN Administration". During this operation, the existing PIN code of the card and a new PIN code, which can be the same as the existing PIN code of the card, will be requested. In the exceptional situation in which the user receives an error when completing the "Change PIN" operation, he/she addresses the bank with the request for a free reissuance of a new activation code, after which the standard steps for BT ATM card activation follow.
the card is newly issued or reissued upon request - it is necessary to activate the physical card at a BT ATM and set a pin code for the issued / reissued card.

2. I am a natural person and I am not a BT client. How do I apply for a card?

The card is automatically accompanied by a physical card. The ways through which you can issue them are:

Online from the BT Pay application - you can open an account 100% online in a few minutes and request a debit card. You will receive the IBAN account immediately after you have completed the action and you will be able to deposit money into this account. The card will be displayed instantly in the card list, and the physical card will be sent to you by courier. For opening the account online, requesting a card, and details about the process visit https://www.bancatransilvania.ro/online-account.
BT Unit – you can open an account and request a card at any Transilvania Bank branch. Your card will be displayed in the list of cards within a maximum of 24 hours, and you will receive the physical card later at the branch where you made the request.

3. What operations can you perform with the card from BT Pay?

Can you do all the operations mentioned above in functionalities BT Pay, in functie de cardul pe care il ai si daca ai fost identificat drept client persoana fizica sau drept utilizator de card. Operatiunile la care ai acces sunt descrise in cadrul capitolului 2, Functionalities BT Pay.

In case you are classified as a card user, the following functionalities will not be accessible: Round Up, Bill Payments, travel insurance, RCA insurance, BT Kiddo, granting/increasing Overdraft type credit line, granting/increasing credit card line, updating data in BT Pay, adding non-BT card.

Once you have received the physical card and activated it, you will be able to withdraw cash with your phone and also from the bank's contactless ATMs, an operation that requires the card to be in Apple Pay and entering the PIN code at the ATM.

At the same time, cards that have expired and have been automatically reissued by the bank allow withdrawing with the card from contactless ATMs, the PIN code being the same as that of the expired card.

4. I have not received the OTP code. What can I do?

If you did not receive the OTP code on the first try, you can select the option Resend me the code, option valid for 3 consecutive attempts. If you still do not receive it, you can contact us anytime for phone number verification, at 0264 308 028 or *8028, callable numbers from any national network, fixed or mobile

5. How do I know if the card enrollment was successful?

After entering the code received via SMS (OTP), if everything is in order you will see a confirmation screen, where you will be told that the card addition was successful.

6. The enrollment of the BT card could not be done. What can I do?

If everything seems to be in order, but you still cannot enroll the card, we advise you to check the following aspects:

the card must be within the validity period;
the requested data is entered correctly;
if you had the card added on another device, make sure you have deleted it from that device;
the entered OTP code is correct.

7. How can I delete an enrolled card?

You always have the possibility to remove a card from the application by accessing the settings of that card and using the option Delete this card. Afterwards, if you want to add it again, you need to enroll it again. Deleting from the application does not represent blocking the physical card.

8. Can I enroll multiple cards in the application?

Yes, you can enroll multiple cards in BT Pay. From the main screen of the application, access the symbol in the top right and follow the card enrollment process.

9. Are the real card details stored in the phone?

The application only saves the last 4 digits of the card number, expiration date, and cardholder's name. The full card number and its CVV/CVC are never saved.

10. What is the authorization method for transactions made through BT Pay?

Transactions will be authorized either using the application PIN or through the phone's security/unlock method: password, fingerprint, pattern, or another security method offered by the phone.

11. I had to block my physical card. Can I still use the card in the app for payments?

If you block the physical card, you will not be able to use it even for payment from the app.

12. How long is the enrolled card valid? Is it connected to the physical card?

If your physical card expires, you will no longer be able to use it in BT Pay either.

13. Can I register my card on multiple devices?

No, you cannot enroll the card on multiple devices. A card can be enrolled on only one device.

14. What happens if my physical card expires and I replace it?

If we have identified you as a client of the bank, we bring it to the card list area to add it. It will be available in this list in the second half of the month in which the card expires;

You will follow the addition steps and confirm by entering the code received via SMS.

15. Can I change the card name?

You can change the card name to identify it more easily. From the card settings (option available when touching the card – Card Settings option), you select the "Change card name" option and edit it.

16. I had to block the card in BT Pay. Can I still use the physical card?

If you block the card from BT Pay, you will no longer be able to use the physical card either.

17. How do I invite a friend to BT Pay?

BT Pay "Invite Friends" functionality is periodically available in BT Pay. You will be able to access this functionality as long as you have been identified as a client of the bank and have added at least one BT card to the BT Pay application.

18. How do I add a card issued by BT Direct in BT Pay and what operations are allowed?

You will be able to add BT Direct issued cards by manually entering the card details, namely: card number, first and last name, expiration date, CVV/CVC code (the 3-digit code located on the back of the card) and authenticating the addition operation by entering the OTP code received on the phone number registered in the issuing institution's system.

After registering the BT Direct card, the user will be able to use it for performing the following operations: contactless payments at merchants, card balance, viewing the history of transactions made with the card, enrolling cards in the Apple Pay solution (for users of devices with iOS operating system), authentication (approval or rejection, as the case may be) of online payments through BT Pay.

19. The physical card has been blocked. Can I still use that card in BT Pay?

In case the physical card is blocked, you will not be able to use it from the app either.

20. How can I repay the installments related to a transaction in installments from the BT credit card?

If you want to refund the amount blocked for installments from the credit card, you can access the option within the screen related to installment transaction details or by accessing the "More" button from the main Cards menu and selecting the "Installment Refund" option. The blocked amount will be fully debited from the account; check your next payment obligation for the coming month. Make sure you deposit the necessary funds to repay the installments by the deadline for making the turnover.

21. What is Round-Up?

Round-up is a saving service for individuals, clients of Banca Transilvania, which can be activated from the BT Pay application. The activation condition of the service is the existence of a lei debit card attached to the current account added in BT Pay. It involves rounding up each payment transaction made with the card, up to a selected multiple which can be: 1 leu, 5 lei or 10 lei.

22. How do I save through Round-Up?

Savings through the Round-up service involves rounding up each payment transaction made with the debit card to a selected multiple. Once the service is activated, the desired rounding step will be chosen, namely:

Rounding step up to 1 leu: in the case of a payment amounting to 3.5 lei, the rounding will be done to 4 lei, with 0.5 lei being transferred to the account dedicated to the Round-Up service.
Rounding step up to 5 lei: in the case of a payment of 3.5 lei, the rounding will be made to 5 lei, followed by 1.5 lei to be transferred to the account dedicated to the Round-Up service.
Rounding step up to 10 lei: in the case of a payment amounting to 3.5 lei, the rounding will be done to 10 lei, with 6.5 lei being transferred to the account dedicated to the Round-Up service.

23. How much does it cost to use the Round Up functionality?

The Round-Up service is free of charge and will have no associated cost.

24. How do I activate Round-Up?

The service can be activated through the BTPay application. The service activation through BTPay will be done by following the steps: “Card details” -> “Card settings” from where the option “Save with Round-Up” is chosen.

25. How do I modify the rounding step Round-Up?

The rounding step can be changed through BTPay, following the next steps: from the “Card Details” menu -> “Card Settings” -> “Save with Round-Up” where the “Round-Up Settings” option is selected.

26. How do I cancel the Round-Up service?

The Round-up account can be deactivated by following the steps: the “Card details” menu -> “Card settings” -> “Save with Round Up” -> “Deactivate Round Up”

27. How do I access the amounts saved through Round-Up?

The amounts saved through the “Round-Up” service can be accessed at any time by transferring them from the dedicated “Round-Up” account to one of the current accounts in lei held at BT. The transfer of money to the current account can be done through the BTPay application: “Card Details” menu -> “Card Settings” -> “Save with Round Up” -> “Transfer money”. Also, you can view the Round-UP account balance anytime in BTPay, while the transaction history can be viewed with the help of the account statement.

28. What payments are accepted for rounding through Round-Up?

Payments eligible for rounding are transactions made with a debit card or through the wallet:

Payment by card made at a BT POS or any other bank;
Payments made online using the card;
Card payments at the POS made with the phone, using - BTPay, ApplePay or GooglePay.

Attention! Payments made from the overdraft, as well as transfers made from the current account (scheduled or not), cash withdrawals with the debit card or bill payments at the ATM will not be rounded.

29. Is the Round Up account interest-bearing?

The Round Up account is credited with interest. The interest rate is visible within the Round Up section. The account interest is variable, and the interest payment is made monthly, on each anniversary, by crediting the Round Up account

30. What is a virtual card, to which account is it attached, and who provides it?

The virtual card is a functionality offered by Banca Transilvania that allows individual users, holders of the personal account, to request the issuance from the BT Pay application of virtual debit cards in lei, euro, and dollars. The issuance of the virtual card will be instant, and the new virtual card will be displayed immediately in BT Pay. The user will be able to select one of the available images for the design of the virtual card.

The Virtual Card will be attached either to a new account automatically opened in lei, euro, or dollars through the payment application or to an existing current account.

31. How do you request the issuance of a virtual card?

You will see the virtual card option in BT Pay or by accessing the add card option from the main screen of the app, where you will have the "Virtual" option available.

32. What can be done with a virtual card?

You will be able to use the virtual card from BT Pay for the following types of operations:

internet transactions;
transactions at POS;
transfers except those of RoPay Alias type;

At the same time, after performing an additional validation using the code received via SMS, through BT Pay other functionalities of the virtual card can also be accessed, such as: setting daily transaction limits on virtual cards, temporary blocking and unblocking, or permanent blocking of these cards.

Taxes and commissions, as well as trading limits, are displayed here.

33. Are there any costs for the virtual card? How many virtual cards can be issued?

Virtual cards have no issuance fee.
Up to 3 virtual cards can be issued, as follows:

1 card Visa Virtual Untold
1 card Visa Virtual standard
1 card Visa Virtual Euro
1 card Visa Virtual Dollars

34. Is there the possibility to load a PrePay card in Bt Pay?

If you are a BT Pay user you can top up a phone card (prepay) for phone numbers from the suppliers available in the application (Orange, Vodafone, Telekom) by entering the phone number to be topped up. The user should note that these transactions are irreversible

35. Is there a possibility to view information about a loan I have at BT in BT Pay?

If you are a user of the application identified as a bank client, natural person, credited account holder, you can view in BT Pay, in the “Loans” functionality, details about your non-card credit products held at Banca Transilvania (e.g. due date, amount to be paid, repayment schedule, any amounts owed, attached insurance policies, fees, possible delays)

36. Is there a possibility to buy a road toll vignette from BT PAY?

If you are a user of the application identified as a bank client, individual, account holder, you can purchase a Road Tax Sticker (Rovinieta) through BT Pay, access the tab "Travel Insurance RCA & Road Tax Sticker" or the specific banner in the "News" section, fill in the vehicle information and choose the card you want to pay with.

37. Is it possible to view the investments made through BT Asset Management?

If you are an application user identified as a bank client, natural person, investment account holder, you can view the investments held and active at BT Asset Management by accessing the “Investments” tab.

38.Can I issue a card for the designated holder on my account to another person?

Yes, you can issue a designated card holder card for a close person, attached to the account for which you also have a valid card. The process is 100% direct in BT Pay.

39. Why does an error appear on the cardholder issuance flow after entering the Personal Numeric Code (CNP)?

The holder has already issued a card to the owner on the respective Personal Numeric Code.

40. Why does an error occur on the cardholder issuance flow after entering the phone number?

a) If the holder already has a CIF in the bank and the phone number entered in the card issuance flow for the holder is different from the phone number declared in the relationship with the bank on the holder's CIF, the phone number validation cannot be done.

b) If the holder does not have a CIF in the bank, the CNP and the phone number entered in the issuing flow must not be declared on any CIF in the bank.

41.How much time does the holder have to complete the issuance flow initiated by the owner?

The holder has 30 days to complete the flow initiated by the owner.

42. How many designated holder cards can be issued through BT Pay?

Each account holder has the possibility to issue 2 debit cards per holder/ card type and 4 designated holder credit cards/ card type.

43. I am a designated holder on a close person's card, what are the actions I cannot perform?

• You cannot close installments related to credit cards

• You cannot change the existing turnover type

• You cannot issue a new card

• You cannot reissue an existing card

• Once the card is blocked, only the account holder will be able to unblock it

• You cannot change the card transaction limits

44.What is the transfer limit if I am the cardholder on another person's account?

Maximum transfer limit is 4000 ron/day/card.

45. Where can I see in BT Pay the websites and merchants where I have saved the card online for future payments but also the recurring payments set on my card.

In the “More” section of BT Pay you access the sub-menu “ Card saved at merchants” and there you will be able to see both the websites where you saved your card data for later payments and which store this information in the form of a token, as well as the recurring payments associated with the card saved on the merchants' websites.

46. For what period do I see the transactions?

Through the functionality “Card saved at merchants” you will be able to see the last transaction made in the last 13 months.

47. How can I block future/recurring transactions made from a card?

You will be able to block these transactions by accessing the "Card saved at merchant" section, then choose the merchant for whom you want to block future/recurring transactions. It is important to remember that blocking future transactions without deleting the card data from the merchant's website or application may lead to future debits from your account and does not terminate the contract you have with them. Therefore, make sure to delete your data from the merchant's website/application.

48. Can I make payments on a merchant's website/application without entering card details?

You can make online payments without entering card details using the "Pay with BT Pay" option, available on partner merchants' websites or apps both in installments and with star points.

An alternative payment method without manually entering card details is the "Click to Pay" feature, available in the BT Pay application, in the card settings section. To use it, you need to create a Click to Pay profile and add the card to the profile. Later, when you shop online, you can select the "Click to Pay" option on the merchant's website and choose the card saved in your profile.

III. Enrollment of non-BT card and permitted operations

1. How do I add a non-BT card in the application?

You can also add a non-BT card in the BT Pay application, after you have registered at least one BT card. Non-BT cards are cards issued by other financial institutions in Romania, under the Visa, Mastercard, or Maestro logo, enrolled in the 3D Secure service.

The option to add a non-BT card is available only if you have been identified as an individual client of the bank and you have at least one BT card added in BT Pay.

Selecting the symbol in the top right, you will choose the option "Add card from another Bank" and you will enter the following data: card number, cardholder's first and last name (as they appear on the card), card expiration date and CVV/CVC code (the 3-digit code on the back of the card).

Authentication of non-BT card operations via the 3D Secure service is applied by the card issuing institution.

Subsequent to enrolling the non-BT card in BT Pay, you will have the option to access the Open Banking option, which will allow you to view certain financial information from other financial institutions where you have open accounts for 90 days. After this period, you will be able to reauthorize access to the data for a similar period.

In case of accessing the Open Banking functionality in BT Pay, the application user will also be subject to Terms and Conditions specify this option.

2. Can I change the card name?

3. How do I know if the non-BT card enrollment was successful?

After entering the code received via SMS (OTP), if everything is in order you will see a confirmation screen, where you will be told that the card addition was successful.

4. The enrollment of the non-BT card could not be completed. What can I do?

If everything seems to be in order, but you still cannot enroll the card, we advise you to check the following aspects:

the card must be active and within the validity period;
the requested data is entered correctly;
the transaction authentication is performed in accordance with the 3D Secure standards applied by the issuing institution of the respective non-BT card.

5. How can I delete a non-BT enrolled card?

You can always remove a card from the application by accessing the settings of that card and using the option Delete this card. Later, if you want to add it again, you need to enroll it again. Deleting from the application does not mean blocking the card.

6. Can I enroll multiple non-BT cards in the application?

Yes, you can enroll multiple cards in BT Pay. From the main screen of the application, access the icon in the top right and follow the card enrollment process, called "Add another bank card".

7. What operations can I do with a non-BT card?

You will be able to transfer money:

to your BT cards from the application;
towards another BT Pay user, the acceptance of the transaction and the collection of money being possible only on a BT card.

This card will not allow you the following types of transfers: accepting money sent from another BT card or by another BT Pay user, requesting money, and splitting the cost.

After selecting the desired type of transfer, you will enter the transfer amount in lei and its details. In the next step, you will be informed of the BT commission for processing this transfer and which is applied by the issuing institution of the respective non-BT card.

There is a possibility of fees being applied for this type of transfer by the issuing bank of the non-BT card, so please check this information with the issuing bank.

The beneficiary is notified by SMS regarding the amount pending collection. The SMS message is sent to the phone number selected by you. The SMS contains a link that:

If the beneficiary also uses the BT Pay application (the application being installed on the device with the phone number that received the SMS), they will open the transfer from the application's menu. The user can view the transaction details directly on the dedicated screen;
If the beneficiary does not use the BT Pay application (and therefore the application is not installed on the phone), the link received via SMS message will direct them to the App Store, where they can download the application. Once the application is installed and the user has registered at least one BT card, accessing the link will open the transfer operation and the beneficiary will see the transaction details.

The beneficiary can:

To accept the operation on a BT card, in which case the banking transaction (collection) is carried out; In this case, the user will also select the BT card on which they wish to collect the amount of money;
Let the transfer expire. The transfer is valid for 48 hours for transfers initiated from cards issued under the Mastercard logo and 23 hours and 30 minutes for transactions initiated from cards issued under the Visa logo; in case of expiration, the amount will be returned to the card account from which the transfer was initiated after the expiration of the term.

As the Initiator of the operation (payer) you will be notified by a notification received on the phone from which you initiated the operation:

In case the beneficiary does not successfully install the application or is not a client of Banca Transilvania, the payment operation is not honored, the transfer expiring in 48 hours for transfers initiated from Mastercard cards or 23 hours and 30 minutes for transfers initiated from Visa cards, at which point the money is returned to your account. There is the possibility of canceling the respective transfer by the initiator, in which case the amount is returned as soon as possible to the card account from which the transfer was initiated.

The SMS by which the beneficiary is notified that they have a transfer pending collection contains the following information: the name of the card from which the transfer is initiated (the cardholder's first and last name, as completed when the card was added to the application) and the amount of the initiated transfer.

8. How long does the transfer take?

Transfers are processed instantly.

9. Where can I view the transfers made through the BT Pay application?

You can view the transfers, as well as their status in the Transfers section.

10. Are there limits on amounts for transfers from non-BT cards?

Yes, transfers from non-BT cards using the phone number (sending money, transfers between own cards) are limited by daily thresholds per card, both in terms of number and value, as well as by monthly thresholds per card. The limits for such transactions are available here.

11. Are there fees and charges for transfers?

The list of fees and commissions charged by BT is available here.

There is a possibility that these transfers may be charged commissions by the issuing financial institutions.

12. Can I make transfers also with cards issued in other currencies?

In case the card used in BT Pay is issued in a currency other than lei, at the time of debiting the transaction from the account to which the card is attached, the card issuing bank may perform a currency exchange between the equivalent of the transferred amount and its equivalent in the currency of the account to which the card is attached, in accordance with the contract concluded between the card issuing institution and the holder / Cardholder.

13. What happens if my physical card expires and I change it?

If you change your physical card you will need to enroll it again in the application.

14. How long is the enrolled card valid? Is it connected with the physical card?

If your physical card expires, you will no longer be able to use it in BT Pay either.

15. I had to block my physical card. Can I still use the card in the app?

If you block the physical card, you will not be able to use it from the app either.

16. What information can I view through the Open Banking functionality?

You can view the following information: the balance of the non-BT card / account related to the selected non-BT card, the IBAN account related to the selected card, the transaction history list from the selected opened payment accounts, including the following details: transaction date, transaction amount, transaction details.

17. Can I add the BT account through the Open Banking feature in the applications of other banks?

Yes, you can authorize directly from BT Pay, adding accounts opened at BT, in applications of other banking institutions.

IV. Payment with phone using BT cards

1. Cum platesc cu telefonul?

Due to restrictions imposed by the manufacturer, the iOS operating system does not allow the use of NFC by third-party applications, thus implicitly by paying with the phone. However, from 26.06.2019 Apple Pay is available through which you can also make the contactless payments you want directly with the phone through the Apple Pay application.

2. What do I need to use Apple Pay?

To use Apple Pay you need an Apple device, with the latest version of iOS, watchOS or macOS and the BT card that will be added to the application.

3. How do I add a BT card to Apple Pay?

You can add cards to Apple Pay directly from BT Pay . The "Add to Apple Wallet" button is accessed from the main page, for each card you want to add.

You can also add cards from the Apple Pay wallet, access the "+" option, enter the card manually or scan it with the camera, then confirm adding it.

4. Where can I pay with iPhone / Apple Watch?

Payments can be made at any POS in the country or abroad that accepts contactless payment. Payment can also be made in mobile applications or Safari, where Apple Pay is accepted as a payment option.

5. What are the transaction limits when paying with my BT card and Apple Pay?

Payment limits vary depending on the type of card you have. The amount paid with the phone is included in the merchant payment limits, set on the physical cards. Transaction limit changes can be made from BT Pay.

6. Can I make money transfers with Apple Pay?

Transfers through Apple Pay are not possible, they can be made through BT Pay

7. Which cards can be enrolled in Apple Pay?

In the application, all types of cards issued by BT can be enrolled.

8. Am I commissioned on payments with Apple Pay?

Payments made with Apple Pay are not charged a fee.

9. Can I see the account balance in Apple Pay?

The balance can be checked in the BT Pay application.

10. Are payments with Apple Pay safe?

Payments are secure, each payment must be confirmed with a fingerprint, face ID or password.

11. How do I change the main card in Apple Pay?

There are two options to make this change:

iPhone or iPad: settings > Wallet & Apple Pay > Default Transactions > Default Card – the new card is selected here;
from Wallet, press and hold the card and move it up, choose the first card with drag and drop.

12. How do I change the main card in BT Pay?

The user can change the order of the cards within the BT Pay application. The specific button in the BT Pay application located in the upper left corner will be accessed, at which point the list of cards added in BT Pay will be displayed.

The user can change the position of their cards (both BT cards and nonBT) by long pressing on the card and positioning it with the "drag & drop" function to the desired position.

13. How do I pay with a card other than the one set as the main card in Apple Pay?

iPhone X or newer models: double click the side button of the phone. When the main card (Default) is displayed on the screen, select it by tap and then select the BT card you want to pay with, authenticate using Face ID and bring the phone close to the POS;
iPhone 8 or older models: the phone approaches the POS without pressing Touch ID. When the main card (Default) appears on the screen, you select it by tap and then select the BT card you want to pay with and authenticate via Touch ID to make the payment;
Apple Watch: double click on the side button. When the main card (Default) is displayed on the screen, swipe (right or left) to select another card enrolled in Apple Pay and bring the watch close to the POS to make the payment.

14. How can I delete a card from Apple Pay?

The following steps are taken depending on the device owned:

iPhone or iPad: access the Settings menu > Wallet & Apple Pay section > tap the card you want to delete from Apple Pay and press the Remove this card button;
Apple Watch: select Wallet on the Home Screen of the Apple Watch, tap on the card you want to delete from Apple Pay and tap the Delete button.

15. What are the risks of losing the device on which I have installed Apple Pay?

To use Apple Pay, it is necessary to authorize each transaction made through Apple Pay with an enrolled BT card, using Face ID, Touch ID, or a password.

Apple Watch devices feature Wrist Detection, which, when activated, requires the user to enter their password every time they put the watch on their wrist. These functionalities prevent the possibility of anyone other than the user from using Apple Pay on iPhone, iPAD, Apple Watch, or Mac.

In case of loss / theft of a device with BT cards set in Apple Pay you must access the Apple ID account page or use the Find My iPhone function to suspend or permanently delete the ability to make payments with Apple Pay on the lost device.

On the Apple ID account page, the device is selected after sign in. In the displayed information, the Apple Pay section is selected and click is made on Remove or on Remove all. The card or cards will be suspended or deleted from Apple Pay, even if the device is offline or not connected to a mobile phone network or a Wi-Fi network.

You can also call the card issuer bank in case of device loss/theft, to suspend or delete the cards from Apple Pay.

16. To pay, is it necessary to have the NFC function turned on?

Yes, you will be able to make payments through the Apple Pay application only if the NFC feature in the phone settings is turned on.

17. Where and how can I view the transaction history with the mobile phone?

Touch the desired card and you will be able to view the transactions made with the BT card in BT Pay.

Also, you can view the available balance of the BT card for any card enrolled in BT Pay, both in the card's currency and in points for STAR credit cards.

Moreover, for BT credit cards added in BT Pay, you can see the current turnover made and the minimum and maximum turnover required to be made by the 25th of the month, as well as the credit limit and the credit used.

18. I cannot pay, but everything seems to be in order. What can I do?

If everything seems fine, but you still cannot pay, we advise you to make sure of the following aspects:

If you have valid BT cards successfully enrolled in Apple Pay;
If everything seems fine, but you still cannot pay, we advise you to check the following aspects;
If the case of your phone is not too thick and blocks NFC waves. Try to remove the case or bring the phone closer to the POS from another angle;
If you have an internet connection;
If the error appeared on the POS does not indicate exactly the problem;

In case you have checked all the above aspects and, still, the payment does not work, contact us at 0264 308 028 or *8028, call numbers from any national network, fixed or mobile.

19. Where can I see details about interest-free installment transactions

The option is available in the Credit Info tab, the Installment Transactions section. You will initially see a summary list of installment transactions with the following details:

Merchant name;
The value of the monthly installment;
The number of installments remaining to be repaid.

When accessing each transaction, more details about the installment transaction will be displayed, which are:

Type of transaction;
Trader Name;
Initial date of the transaction;
Initial transaction value in installments;
Number of transaction installments;
Amount currently blocked in installments.

V. Cash withdrawal based on code for BT cards

1. How do I withdraw money from an ATM using a code?

You can withdraw money from the ATM without a card and without a phone, based on a code generated from the BT Pay application. You access the Withdraw cash option, you choose the card from which you want to withdraw the money*, you select the desired amount and the phone number to which you want to send the code related to the operation. The phone number can be selected from the phonebook or entered manually.

You will be informed about the withdrawal fee and will confirm the transaction by entering the application's pin code/biometrics or the phone's unlock password. The cash withdrawal fee based on code is the same as the fee used when you withdraw money with the physical card from the ATM. The money will be blocked and returned to the account if the transaction is not completed within 60 minutes..

Within 60 minutes from code generation, go to any BT ATM, select the option Cash without card from the ATM screen, enter the code received via SMS and the amount.

*the option is valid only for BT cards issued in the name of individuals, except for the meal voucher card which does not allow cash withdrawal operations from the ATM.

2. How long is the code valid?

The code is valid for a period of 60 minutes from the moment it is generated.

3. Can I regenerate or reuse the code?

From the moment the code is sent via SMS, it will no longer be available for viewing in the application. Only one use of the code/transaction is allowed.

4. Are there fees and commissions?

The cash withdrawal fee based on a code is the same as the fee used for cash withdrawal with the physical or contactless card and can be found at the level of each card on Bancii Transilvania website.

At the same time, the user is informed about the cash withdrawal commission based on a code, in the application, before confirming the transaction.

5. Are there limits for withdrawals?

Yes, cash withdrawals based on codes are limited by daily thresholds per card, both in number and in value:

a maximum limit of 3 codes generated daily, for each BT card enrolled in BT Pay;
a minimum limit of 10 lei / transaction;
a maximum limit of 500 lei / transaction.

6. Where can I view the history of cash withdrawals?

Completed cash withdrawals can be viewed in the transaction history in Card Details.

7. What data does the sent SMS contain?

The SMS sent by BT contains only the code related to the transaction.

8. How can I cancel the operation?

The operation can be cancelled by calling the BT Contact Center service, phone numbers:

*8028 Callable from any national network, fixed or mobile, support 24 / 7;
0264 308 028 Callable from any network, including international, support 24 / 7.
or by Chatbot from the contact section.

9. I cannot complete the operation, what can I do?

If everything seems fine, but you still cannot complete the cash withdrawal operation using the code, we advise you to check that the data entered at the ATM is correct.

VI. BT card transfers

1. How do I send money through the BT Pay application?

You have 2 options for sending money through the BT Pay app:

1.1 Money transfer to a BT individual client who has the BT Pay application, based on the phone number.

You can transfer money through BT Pay to another BT individual client by following these steps:

Select the transfer option, namely Send Money;
Select the person to whom you want to send money, from your phonebook;
Enter the amount of money to send and the transaction details;
You give your consent regarding the operation and the applied bank commission, by confirming the operation;
You authorize the transaction by entering the phone unlock password.

The beneficiary (also a client of Banca Transilvania), is notified by SMS regarding the amount pending collection. The SMS message is sent to the phone number selected by you. The SMS contains a link that:

If the beneficiary also uses the BT Pay application (the application being installed on the device with the phone number that received the SMS), they will open the transfer from the application's menu. The user can view the transaction details directly on the dedicated screen;
If the beneficiary does not use the BT Pay application (and therefore the application is not installed on the phone), the link received via SMS message directs him to the App Store, from where he can download the application. Once the application is installed and the user is registered / the cards enrolled, accessing the link will open the transfer operation and the beneficiary will view the transaction details.

The beneficiary can:

To accept the operation, in which case the bank transaction (collection) is performed; In this case, the user will also select the card on which they want to collect the amount of money;
Let the transfer expire.

As the Initiator of the operation (payer) you will be notified by a notification received on the phone from which you initiated the operation:

In case the beneficiary does not successfully install the application or is not a client of Banca Transilvania (who can benefit from and use the BT Pay application), the payment operation is not honored, the transfer expiring in 48h, at which point the money is returned to your account;
In case you want to cancel the transaction, you can do it before the transaction beneficiary accepts it.

In the case of transfers based on the phone number, the user has the possibility to set a main collection card, directly from the card settings, an option that subsequently allows the automatic collection of amounts into the chosen card, without the need for the acceptance of money through the user opening the link sent via SMS, followed by pressing the "Accept the money" button.

1.2 Money transfer to any client of a bank, BT or another bank, based on IBAN

You can transfer in lei, through BT Pay to BT clients or to other banks, individuals or legal entities, using the Transfer through IBAN option. Transfers through IBAN are allowed from BT debit cards, attached to current accounts in lei.

You can choose to make a payment to a client of another bank - instant (to banks that have joined the Instant Payment system), normal or urgent. Depending on the chosen payment method, the money will be received by the counterparty:

Instant – in a few seconds, 24 / 7;
Standard – in maximum 24 h, from Monday to Friday;
Urgent – on the same day, from Monday to Friday, if you initiate the transfer by 3:00 PM.

If you choose payment to a BT client, the transfer will be made instantly, 24 / 7.

Commissions and trading limits related to transfers can be found here.

2. How do I request money through the BT Pay app?

You can request money from an existing person in your phonebook or by manually editing the phone number, by following these steps:

Select the Request money option and then select from the phonebook the contact from whom you want to request money;
Enter the amount of money to be received and the details of the request;
You give your consent regarding the operation and the applied bank commission, by confirming the operation;
You authorize the transaction by entering the phone unlock password.

The payer (also a client of Transilvania Bank) is notified by SMS regarding the amount pending payment. The SMS message is sent to the phone number selected by you. The SMS contains a link that:

If the payer also uses BT Pay (the application being installed on the phone), open the transfers operation in the application menu. The user can view the transaction details directly on the dedicated screen;
If the payer does not use the digital wallet (and therefore the application is not installed on the phone), the link received via SMS message directs the user to the App Store, from where they can download the application. Once the application is installed and the user registered / cards enrolled, accessing the link will open the transfer operations and the payer will view the transaction details.

The payer may:

To accept the operation, in which case the payment is made;
Let the payment request expire;
To refuse the payment request with the addition of the reason for refusal.

As the Beneficiary and applicant of the operation, you will be notified by a notification of the payer's action. In case the payer does not successfully install the digital wallet or is not a client of Transilvania Bank (which can benefit from and use the digital wallet), the operation will not be honored, the transfer request expiring in 48h.

3. How long does the transfer take?

Depending on the type of transfer you choose:

1. Sending or requesting money to / from a person who has the BT Pay application installed – instantly, after confirmation from the beneficiary / payer. This option is done based on the phone number

2. Transfer between own cards – instant

3. Transfer via IBAN:

Instant – in a few seconds, 24 / 7. This type of transfer is possible between banks that have adopted Instant Payments technology. If the client belongs to a bank that has adopted this technology, the Instant option will also appear;
Standard – in maximum 24 h, from Monday to Friday;
Urgent – on the same day, from Monday to Friday, if you initiate the transfer by 3:00 PM.

4. Are there limits on amounts for transfers?

Yes, transfers based on phone number for sending money, requesting money and transfers via IBAN are limited by daily thresholds on card/account as value but can be modified individually for clients who request this at the BT unit or Contact Center.

for transfers in RON: maximum 300,000 lei/day/card/account.
for transfers in EUR: maximum equivalent in euro of 300,000 RON/day/card/account.
The monthly maximum limit is 1,500,000 RON equivalent in any currency.

Transfers between own accounts/cards are not included in the calculation of the maximum ceiling

5. Are there commissions and fees for transfers?

The fees for transfers are:

payments made from debit cards based on the phone number are free, whether they are sent to other persons, BT cardholders, or made to own cards;
payments made from credit cards, both to own cards added in the application, as well as to other persons, holders of BT cards, are charged a commission of 2% of the transfer value, min 2.5 lei;
commissions related to IBAN-based transfers can be consulted by accessing the link related to this point.

The complete list related to the fees and commissions of the BT Pay application can be found here.

6. Where can I view the transfers made through the BT Pay application?

You can view the transfers, as well as their status, in the Transfers section. Successfully completed transfer operations will also be visible in the transaction history within Card Details.

7. How to transfer money between your own cards registered in the application

You can transfer money between your own cards enrolled in the application. Transfers between your own cards are only possible if the card accounts are different. The transaction authorization is done by entering the phone unlock password.

Transfers between own cards that also involve non-BT cards are only possible in the case of initiating the transfer from a non-BT card to a BT card.

VII. Card details

1. Can I view the card balance?

You will be able to view the available card balance for any BT card enrolled in BT Pay, both in the card currency and in points for STAR credit cards.

2. What card details are available?

For BT cards successfully enrolled in BT Pay you can view the following details related to the respective card:

The name of the cardholder which is identical to the name inscribed on the physical card;
The name of the cardholder, as declared at the time of registration of the card in BT Pay;
The last 4 digits of the physical card;
Card number and CVV/CVC code, after user revalidation
Physical card expiration date;
Card currency;
Swift Code BT;
The IBAN account attached to the respective card. You can also share it through the messaging applications installed on the phone

3. What types of transactions can I view in the transaction history?

You can see the transactions made for any of the BT cards added in BT Pay (or the designated cardholder’s cards, as applicable), for example: cash withdrawals from ATMs, deposits at BT ATMs, payments at merchants’ POS terminals, Internet payments, payments with the BT Pay application, installment transactions, transactions at STAR points, transfers (sending or receiving money) made through the BT Pay application, certain types of credits. Also, you will be able to view expenses made with the cards enrolled in the application, grouped by expense categories.

4. How can I view the card number and the CVV/CVC code for BT-issued cards enrolled in the application?

You will have access to information about the card number and CVV/CVC code in the relevant section of Settings – Card Details, so that you can easily make online payments.

Access to this setting is allowed only after validating the user's right to access this functionality. In this regard, for each card for which this functionality is to be used, an SMS-OTP will be sent to the phone number declared at BT. By entering the code received via SMS on this phone number, it is allowed to obtain this information for the respective card until the moment it is deleted from the BT Pay application.

Data will be displayed on the page for only a few seconds.

5. What does the BT Pay option for tracking purchases made with BT cards by category represent?

BT Pay will automatically group all card transactions by domain, so you can better track your expenses. Thus, you will see exactly how much cash you have used (in the Cash category), how much utilities have cost, how much you spent going out with friends in the city (in the Restaurant category), or how much that delicious dinner you cooked cost you (in the Supermarket category).

6. I have a STAR credit card. Can I find out and pay the monthly payment obligations?

>If you have enrolled a BT credit card issued to an individual, you will see the minimum mandatory payment amount, the amount deposited, the remaining amount to be paid until the full repayment of the loan taken out in the previous month, as well as the credit limit granted by the bank. Also, in order to be able to pay the payment obligation, you can:

automatic payment setting of monthly obligations (minimum and maximum payment amount) from the cardholder's current account, payment which will be made on the due date. If the due date is a non-working day, the debit of the monthly obligation will be made on the preceding working day. If you have multiple current accounts, the first account opened at the bank will be debited;
top up at any time the credit card with the minimum or maximum payment amount from any card enrolled in the BT Pay application.

If card funding or setting the automatic payment option is done outside the Monday – Saturday interval, 09:00 – 19:00 hours or on non-working days, the recording of the funding and the option will be done on the next working day. Thus, if such an operation takes place on the due date (the 25th of each month) on a non-working day or outside the above-mentioned interval, the user understands that the monthly payment obligation will not be made on time.

7. Card benefits

Select the desired card, go to the card settings and you will be able to see the additional benefits your BT card brings you

8. How do I set the trading limits of the personal card/designated holder, as the case may be?

BT Pay application allows you to modify transaction limits on BT cards, enrolled in BT Pay and physical ones, as well as temporarily or permanently blocking / unblocking them. Access to these settings is allowed only by entering the code received via SMS on the phone number registered in the bank's records.

Once the validation is completed, for each card added in the application, you have unlimited access to these options.

You will be able to set, for each card individually, daily limits, up to a maximum value established by the bank depending on the card type, for a period defined by you, but not exceeding 90 days. The limits that can be set through the BT Pay application refer to:

number of online and offline transactions;
the maximum amount that can be withdrawn from the ATM;
payments by card in stores;
online payments with CVV/CVC;
online payments without CVV/CVC.

How do you modify these parameters? You select the card for which you want to make changes, and then you press the Card Settings button.

Transaction limits set through the BT Pay application affect physical cards.

9. What operations can I perform with the BT company card through BT Pay?

If you have a card issued in the company's name, you can perform the following operations:

Contactless payments at merchants with the card added to Apple Pay;
Withdrawal from contactless ATM;
Authentication of online payments;
Viewing the history of expenses made with the card, as well as grouping them by categories;
Temporary and permanent blocking of the card registered in the application, as well as the physical one;
Viewing card details: card number, expiration date, CVV/CVC code;
Viewing the benefits of cards added in BT Pay.

10. How do I access BT Pay offers and Prizes on the Move?

BT Pay offers you the possibility to receive offers in the app, you can view, save, or activate them. Offers can be:

shopping offers, for example: offers from partner merchants enrolled in the STAR program, intended either for all card users or only for users of a certain type of card, and the offers of Banca Transilvania. The offers can be exclusive, intended for BT Pay users or can be general intended for all users of certain types of cards issued by Banca Transilvania;
movement rewards, which include special offers depending on the physical activity of the user conducted with physical activity monitoring applications and/or depending on other criteria established within each offer, for example: payments made with the BT Pay application, with the card, with the sticker, etc.

This section can be accessed by adding your physical activity monitoring account in the BT Pay application. To unlock the offers and implicitly be able to benefit from their advantages, you must meet the requirements and thresholds mentioned in each offer, synchronize the bracelet with the respective application by the end date of the period mentioned in the offer, and have at least one BT card issued in your name or registered in the BT Pay application. Also, in this section, you will be able to view information about physical activity, for example: the number of steps, the number of kilometers traveled, the activity period.

If you access this section, you also agree to the Terms and Conditions, as well as the Privacy Policy of the application and respective services. To be able to view the offers, you must have an Internet connection.

11. How do I access the personal data update in BT through the BT Pay application?

In case of accessing this functionality, you will have the possibility to update some of the personal data necessary for the bank to apply customer knowledge measures in the BT Pay application. Accessing the option is done from the main menu of the application, at the top left, by accessing "Settings" and selecting the "Profile" option.

VIII. Online payment authentication through the BT Pay application

You will be able to authenticate online transactions made with the BT card enrolled in 3D Secure, from the BT Pay application.You will use either the PIN set in the BT Pay application, or one of the biometric elements (facial recognition or fingerprint) or another existing method of securing the phone.

To authenticate online transactions with BT Pay, it is necessary that the enrolled cards also allow authentication of these transactions.

1. How do I enroll a BT card in BT Pay 3D Secure?

Following the registration process, enrolling the card in 3D Secure for online payment authentication with BT Pay will be done automatically when adding the card in the application. It is possible that in certain situations you activate the option manually from the Card Settings, in which case you will confirm the activation of the option by entering the OTP code received via SMS.

2. The enrollment of the BT card could not be completed. What can I do?

If you have received an error when enrolling the card in 3D Secure BT Pay, you can resume the process from the Card Settings.

3. I did not receive the OTP code. What can I do?

If you did not receive the OTP code on the first attempt, you can select the Resend my code option, an option valid for 3 consecutive attempts. If you still do not receive it, you can contact us anytime for phone number verification, at 0264 308 028 or *8028, call numbers from any national network, fixed or mobile.

4. How can I unsubscribe from 3D Secure BT Pay?

To opt out of this online payment authentication method, you need to delete the card from the BT Pay application. Once the card is deleted, you will authenticate transactions using 2 passwords. We recommend that you keep online transaction authentication through BT Pay.

5. How do I authenticate online payments through BT Pay?

Following the completion of an online transaction on a 3D Secure secured site, you will be asked to authenticate/reject the respective payment. Within the authentication/rejection message of the payment, the user will be shown the following information: the card from which the transaction was initiated, the merchant's name, and the amount. You will be able to authenticate the transaction using the application's PIN or the phone's unlocking method. You have 5 minutes available to authenticate or reject the transaction. Afterwards, you will return to the merchant's site to complete the order.

❗⠀ Transaction authentication did not mean its completion. To ensure the payment is completed, you will return to the merchant's page to see the transaction status.

❗⠀ Make sure you have General type notifications activated. You can check from the Notifications menu – Notification settings. If you have registered the card in multiple applications, you will receive notifications on each device.

❗⠀ Enrolling the card in the BT Pay 3D Secure system involves authenticating online transactions only with the application. You will no longer receive SMS OTP for validating these types of transactions. Internet access is required.

With your permission, the payment confirmation screen can be displayed automatically, without the need to access the notification or the application, allowing you to confirm or cancel the payment using the application's PIN or the phone's unlock method. This permission will be requested after the first confirmation of an online payment or can be set from the advanced phone settings – applications section – BT Pay application.

6. What options do I have for online transaction authentication?

At the moment of initiating an online transaction you will have the following options:

Approval of the transaction;
Transaction rejection;
Closing the transaction. In this case, the transaction can be authenticated through other BT Pay applications from which online authentication was allowed.

7. How much time do I have to authenticate these transactions?

From the moment you initiate the online transaction you have 5 minutes to authenticate or reject the transaction.

8. Can I authenticate transactions through other means?

Once the card is enrolled in 3D Secure BT Pay, you will be able to authenticate online transactions made with that card only through the BT Pay application. It will no longer be necessary to enter 2 passwords as before.

9. I have blocked the physical card. Can I still authenticate online payments?

If you block the physical card, you can no longer use it for online payments. In such cases, online payment authentication notifications can no longer be generated.

10. What information is visible on the payment authentication screen?

At the moment of initiating an online payment, a notification will be sent through the BT Pay application to all devices where the cardholder has allowed the online payment authentication functionality. All these devices will display the following information related to the transaction: the card from which the transaction was initiated, the name of the merchant to whom the transaction was initiated, and the transaction amount.

IX. RoPay Service

1. What is the RoPay payment service?

RoPay offers you two ways to make or receive payments:

RoPay Alias – you can make or receive payments using the phone number. It is enough that your phone number is associated with your bank account and registered in the RoPay system.
Ropay by QR code – you can send or receive money by scanning or generating a QR code.

2. RoPay by QR code

2.1. How do I activate the RoPay service based on a QR code?

Activating the RoPay Service based on QR code does not require any prior action from you.

2.2. What happens if I do not have an eligible account or have not granted permission for the camera?

If you do not have a current account in lei added in the application, BT Pay will display a message and you will not be able to use RoPay until you add a suitable account. If you have not granted permission to access the camera, the application will request this access from you. You will not be able to scan QR codes until you allow the use of the camera.

2.3. How do I know if the payment was made or received successfully?

After you send or receive a payment through RoPay, you will immediately see the transaction status in the app. Also, all transfers made via QR appear in the "Transfers" section of BT Pay, where you can check anytime if the money has arrived in the account or has been sent.

2.4. What if the QR code expires or I no longer want to receive the money?

If the validity time of the QR code expires, you need to generate a new code. If you no longer wish to receive the money, you can cancel the QR code directly from the application, from the screen where the code is displayed.

2.5. Can I use RoPay if I don't have internet on my phone?

No, to use RoPay in the BT Pay application you need an internet connection. Both generating and scanning QR codes only work if the phone is connected to the internet.

2.6. Can I use RoPay to send or receive money from any bank?

Yes, you can use RoPay to send or receive money both between BT accounts and to or from other banks in Romania, as long as the recipient has a bank account in lei and uses an application compatible with RoPay.

2.7. What happens if I enter an incorrect amount when I want to receive money?

If you generated a QR code with an incorrect amount, you can cancel the code and generate a new one with the correct amount. The person who wants to send you money will see the displayed amount and will only be able to modify it if you allowed this when generating the code.

2.8. Is it safe to use RoPay for money transfers?

Yes, RoPay uses the same security measures as the other functions in BT Pay. Any transfer must be authorized with the security method set in the application (PIN, FaceID or fingerprint), and the data is encrypted.

2.9. Where can I find more information or help if I can't manage to use RoPay?

If you need additional help, you can access the support section in the BT Pay application or you can contact the customer relations service of Banca Transilvania. Also, on the BT Pay website you can find guides and answers to the most frequently asked questions.

3. RoPay Alias

3.1. How do I activate the RoPay Alias payment service?

To activate RoPay Alias, you must be an individual BT account holder. You can activate this service through BT Pay, where we will verify your identity using the authentication methods used in the application.

You will be able to activate RoPay Alias based on the phone number declared to BT and request its association with the personal IBAN account.

You can associate only one phone number with a BT account.

Activating the RoPay Alias service involves the following steps:

Select "Profile and account settings" the option "Your aliases" from the main menu of the BT Pay application;
Select the IBAN account for which you want to set up RoPay Alias;
Do you confirm the phone number registered with BT as well as your RoPay Alias;
You confirm the RoPay Alias setting by entering the SMS-OTP code received on the phone number.

3.2. How do I transfer through RoPay Alias?

If you have activated your RoPay Alias service, any customer of a participating bank can transfer amounts in RON to your BT account linked to this service. They will enter your phone number, for which you have previously activated this service, in the payment application of the respective participating bank.

If you want to initiate a transfer through the RoPay Alias service, you will be able to carry out the operation without activating your RoPay Alias service. However, the beneficiary of the transfer will need to have the service active through their participating bank.

You can initiate a transfer via RoPay Alias by following these steps:

From the ‘Accounts’ section, select the ‘RoPay Alias’ option from the ‘More’ menu;
Select the Transfer option RoPay Alias and choose remittance or money request;
Enter the transaction details: transfer amount, payment details, and the phone number of the transfer beneficiary;
You will be shown the transfer details and you will be able to select the type of transfer: normal, urgent, or instant (to banks that have joined the Instant payment system);
Select the personal account from which you want to initiate the operation;
You give your consent regarding the operation and the applied bank commission, by confirming the operation;
You authorize the transaction by entering the application's PIN code/ biometrics/phone unlocking method.

3.3. How long does the transfer through RoPay Alias take?

Transfers through RoPay Alias are made exclusively in instant mode, 24/7. This option is available only if the recipient's phone number is registered in the national payment infrastructure - the SPL scheme (Standardised Proxy Lookup). Otherwise, the transfer cannot be processed, and the user will be informed directly in the application.

Transfers through RoPay Alias are allowed from personal BT current accounts.

3.4. Are there limits on amounts for transfers?

Yes, transfers through RoPay Alias (sending and receiving money) and those made through QR code are limited to 3000 lei/transaction and are subject to the 300,000 lei/day limit. The maximum ceiling does not apply to transfers between own accounts/cards.

3.5. Are there commissions and fees for transfers?

The complete list related to the fees and commissions of the BT Pay application can be found here.

3.6. Where can I view transfers made through the RoPay Alias service?

You can view the transfers, as well as their status in the Transfers section.

3.7. How can I delete RoPay Alias?

If you no longer wish to have the RoPay Alias service active, but the BT account attached to it remains active, you can request the deletion of the Alias through the BT Pay application, in the See Your Aliases section. You will be able to restart the enrollment process in RoPay Alias later.

3.8. Can I change an already set RoPay Alias?

In case you want to change the IBAN account associated with the RoPay Alias service, you will need to delete the set alias, and then you can restart the enrollment process within RoPay Alias and select another BT current account. Thus, the initially saved information will be overwritten.

If you want to change the phone number, it is necessary to delete the initially set Alias and restart the enrollment process in RoPay Alias.

3.9. Can I have multiple Aliases?

No. Only one association between the declared phone number and the associated IBAN account is allowed.

X. Granting and increasing a line of credit for a credit card

1. What is the option to grant a credit card?

The option to grant a credit card is a service offered by Banca Transilvania. This service will allow you to apply for a credit card issuance request and obtain the credit card and the associated line.

2. How do you access the credit card granting option?

Certain categories of users of the application, among those identified as bank clients who are individual residents, who have a BT debit card issued on the personal account added in BT Pay (except for the BT meal card), and who do not hold a BT credit card issued as the primary cardholder, will be able to view in the application the option to apply for a credit card.

3. What are the stages of granting the credit card

To be able to obtain the credit card, you must perform the following operations:

photographing the identity card and confirming the data from the identity card;
validation of the phone number declared to the bank and the email address, by entering the code received by SMS;
acknowledgment of the fact that all contractual documents and credit card account statements will be sent to your validated email address;
filling in certain personal data concerning: marital status, studies, profession, employment contract period, group membership, payment obligations;
signing the ANAF consultation agreement;
acceptance of the presented offer for issuing the credit card, including the maximum amount you can obtain, the specific costs of the credit card, viewing the benefits of the credit card, including setting the option for automatic execution of the minimum / maximum turnover or without automatic turnover;
to confirm the pickup of the card from a BT agency or the sending of the issued card to an address mentioned by you as the card user;
reviewing the documents related to the credit contract, acknowledging and signing them with the qualified electronic signature. The application of the qualified electronic signature will be done by entering the code received via SMS.

4. How much time do I have to complete the credit card issuance application

You will have a maximum period of 72 hours available to complete the credit card issuance application. The first stage, of filling in certain information requested by BT and signing the agreement for consulting ANAF, must be completed within a period of 48 hours.

The second stage, from the moment of signing the agreement for consultation with ANAF until the moment of signing the contractual documents, must be completed within a period of 24 hours.

If in either of the two stages the maximum term is exceeded, the user will restart the credit card issuance process from the beginning.

5. What software is used for signing documents?

BT Pay application uses the services of Asseco and AlfaTrust. Through these integrations, the user signs both the documents necessary for consulting ANAF and the documents necessary for issuing the card and granting the credit line through electronic signature.

6. How long does it take to add the newly issued card to BT Pay?

The newly issued card will be instantly available in the app after signing the necessary documents for granting the credit line.

7. Are there commissions and fees for issuing the credit card?

List of fees and commissions charged by BT is available at here.

8. Can I modify the amount of the line of credit?

Yes, the amount displayed in the proposed offer represents the maximum amount of the line of credit that can be granted by BT. You can modify this amount to a smaller amount than the maximum amount.

9. To which address can the card be sent to the home by mail?

The card can be delivered both to the address on the identity card and to an address communicated by you during the online credit granting process, in BT Pay.

10. What is the credit card line increase option?

The credit card increase option is a service offered by Banca Transilvania. This service will allow you to request and, based on BT's decision, to obtain an increase of the credit line related to your credit card.

11. How do you access the credit card credit line increase option?

Certain categories of users of the application, among those identified as individual customers of the bank, residents, holders of a credit card issued on the personal account added in BT Pay, will be able to view the option to increase the credit card limit in the application.

12. What are the stages of increasing the credit line related to the credit card?

In order to increase the line of credit, you must carry out the following operations.

photographing the identity card and confirming the data from the identity card;
validation of the phone number declared to the bank and the email address, by entering the code received by SMS;
filling in certain personal data concerning: marital status, studies, profession, employment contract period, group membership, payment obligations;
signing of the consultation agreement with ANAF.
accepting the offer presented for increasing the credit line, specific costs of the credit card, viewing the benefits of the credit card.
the review of the documents related to the increase of the credit line, acknowledgment and signing of these with the qualified electronic signature. The application of the qualified electronic signature will be done by entering the code received via SMS.

13. How much time do I have to complete the request for increasing the credit line?

You will have a maximum period of 72 hours to complete the credit line increase request. The first stage, completing certain information requested by BT and signing the agreement for consulting ANAF, must be completed within 48 hours.

The second stage, from the moment of signing the agreement for consultation with ANAF until the moment of signing the contractual documents, must be completed within a period of 24 hours.

If during any of the two stages the maximum deadline is exceeded, the user will restart the credit line increase process from the beginning.

14. Can I modify the amount of the line of credit?

Yes, the amount displayed in the proposed offer represents the maximum amount of the credit line that can be increased by BT. You can modify this amount with a smaller amount than the maximum amount.

XI. Bill Payments

1. What is the Bill Payments service?

Payments Bills is a service offered by Banca Transilvania. This service allows individual users to pay utility bills.

2. What operations can you perform within the Bill Payments service?

Through this service, Banca Transilvania offers users access to:

a) Payment of invoices to approved suppliers using one of the methods below:

the connection of the account related to an approved utility provider;
connecting the account to the Pago Application and importing the connected suppliers from within the Pago Application;
scanning an invoice received from an approved utility supplier, without the aforementioned configuration;
requesting an amount from a third party for the payment of an invoice.

b) Viewing the history of payments made to approved suppliers;

3. How do you access the Bill Payment service?

The Bill Payment Service will be allowed only for BT Pay users identified as bank clients.

Within the BT Pay application, the Bill Payments functionality can be accessed from the main screen of the application.

4. How do you connect the account from Pago?

In case you are also a user of the Pago application, you will be able to import data from the Pago account into the BT Pay application.

This option will be visible both at first access and subsequently, after deleting all connected providers.

The data import mechanism is implemented as follows:

In the Pago application, a code will be displayed for connecting to BT Pay;
In the BT Pay application you will enter the email address associated with the account from the Pago application along with this code, which was displayed in the Pago application;
In case the code and email address are successfully validated, then your Pago account will be connected to BT Pay.

Following the data import, the suppliers connected through the Pago application will be displayed, as well as the data about invoices to be paid or those already paid.

This data synchronization will only be performed when connecting the Pago account through the BT Pay application. Subsequently, no further synchronizations of this data will be made. Thus, any changes within the Pago application or within the Bill Payments functionality in BT Pay will not be visible in the other application.

5. How do you connect providers?

BT Pay user will be able to connect utility providers from the main screen of the application.

You will thus have to accept the terms and conditions of service use in the framework of BT Pay and confirm to us that you have taken note of Information Note related. Subsequently, you will have the possibility to select the desired supplier categories.

After selecting the suppliers from the desired supplier categories, you will be able to connect each supplier individually by entering the connection data requested by each supplier.

It is possible to connect to the same provider with different login details, thus on multiple client accounts. As a result of this, the same provider will appear multiple times.

In case of connecting certain suppliers, marked in the application with a distinct symbol, respectively , it will be necessary to activate one of the paid options.

In the case of certain providers, prior consent from the client is required to access account data at the provider. In this case, when initiating the connection to the provider from the application, if you have not given prior consent, then you will be redirected to the provider's website where you will be able to express the requested consent.

You will also be able to connect multiple accounts related to consumption locations from the same supplier.

6. How do you view issued invoices?

Subsequent to successfully connecting with at least one provider within the Bill Payments functionality, you will be able to view the history of paid invoices, as well as those that need to be settled.

Invoices that have not already been paid can be viewed at the supplier level by selecting the supplier, or at an aggregate level as a total of invoices from all connected suppliers.

For each invoice among those to be paid, you will be able to perform one of the following actions:

You will be able to view the invoice in pdf format;
You will be able to request the payment of the invoice;
You will be able to select the invoice to be paid.

For any questions or inadvertencies regarding this information, you can contact the issuing provider of the invoice.

7. How do you pay a bill?

You will be able to pay one or more invoices simultaneously, according to your choice.

The payment of invoices will be possible only as full payment of the respective invoice(s); partial payments of an invoice are not allowed.

Payment of bills can be made from any account attached to a debit or credit card issued by Banca Transilvania, as an individual, enrolled in BT Pay. You will not be able to pay bills with the meal voucher card.

The payment operation confirmation will be done by entering the screen unlocking method.

Payments are recorded with the date of the day when the payment was made, the update of the payer's status in the supplier's records is done according to the supplier's procedures, independent of the bank's control.

8. Cum scanati si achitati o factura?

For certain suppliers you will even have the possibility to pay the invoice by scanning the barcode.

To be able to use this functionality, you will need to grant access to the camera.

For a scanned invoice, in certain cases, you need to enter certain data for the invoice you want to pay. The data that the user needs to enter after scanning an invoice are specific to each supplier, according to their requirements.

Confirmation of the payment operation of a scanned invoice will be done by entering the application PIN, biometrics, or the phone unlock method.

9. What is the fee charged by Banca Transilvania for bill payments?

For bill payment, Banca Transilvania will not charge fees.

10. How can the suppliers enrolled in Invoice Payments be deleted?

A supplier added in the application can be deleted, regardless of its status: connected, disconnected or not connected.

If a supplier is deleted, you will be able to add that supplier again later.

Deletion is initiated by pressing the delete button/icon in the supplier details within the Invoice Payments service.

11. What are the options related to the Bill Payment service?

For the bill payment service offered in BT PAY, you may also choose one of the existing options:

Free: it is a free, default option, within which you can make up to four invoice payments per calendar month, except for payments to suppliers marked with the specific symbol ;
Invoices Plus: is a prepaid monthly option for the upcoming month, in the amount of 5 lei/month, under which you can make a maximum of 8 bill payments per month, including to suppliers marked with;
Unlimited Invoices: it is a monthly paid option, in advance for the upcoming month, worth 15 lei/month, within which you will be able to make an unlimited number of bill payments, including to suppliers marked with .

You will be able to select an option after connecting at least one supplier account. The options are visible in the "Bill Payments" section -> Settings from BT Pay.

In case of selecting the option Invoices Plus or Unlimited Invoices you will need to select your own card issued by Banca Transilvania in your name from the attached account from which the monthly amount of the selected option will be debited. You will benefit from a testing period (also called trial period) for 15 days, subsequently the first payment for the option will be made from the selected card. The value of the option will be deducted from the card's linked account, regardless of whether you will make the number of payments related to that option after the 15-day trial period. Thus, the first payment for the selected option will be made from the chosen card on the 16th day after selecting the option type.

The option to activate a paid option is presented to you when you want to make more than 4 bill payments within a calendar month or want to connect a marked supplier with .

In case of changing the option type from Invoices Plus in Unlimited Invoices, at the time of modification, the cost difference between the option will be charged Invoices Plus and the option Unlimited Invoices for the current month.

In case of changing the option type from Unlimited Invoices in Invoices Plus, the benefits from the option Unlimited Invoices will remain active until the end of the billed month.

If at the time of any payment you no longer hold your own card issued by Banca Transilvania in your name, selected for payment in the application, the option will be disabled. If at the time of any payment the account balance is insufficient, the Bank will attempt to debit the account in the next 3 calendar days. In case the payment of the option cannot be made, the option will be disabled; In the event of the option being closed in accordance with the previous provisions, you will be informed about this through a notification within the application.

If you unsubscribe trial period, iar ulterior va veti abona din nou, la data abonarii veti plati costul optiunii selectate, intrucat perioada de incercare gratuita se ofera o singura data pentru cele 15 zile.

In case you want to remove the paid option, you will be able to request this through the BT Pay application. The benefits for the current month will remain active until the end of the paid period.

In case of activation of one of the options Invoices Plus or Unlimited Invoices and upon deleting the BT Pay application, the selected option will not be automatically deactivated. You need to consider canceling the option in BT Pay before deleting the application.

12. Will my subscription from the Pago Application be imported into the Bill Payment Service as well?

In case there is an active subscription in the Pago application, it is not transferred to the BT Pay application. If one wants to unsubscribe within the Pago application, the specific steps of that application should be followed.

13. How long does it take to confirm payments to the supplier?

Payments related to utility bills are settled within up to 3 working days. After confirmation, the payments also appear with the providers on the day they were processed within the Bill Payments service.

14. Some information on invoices is incorrect. What should I do?

The information in your invoices is taken from the online accounts of each provider. In such cases, please contact the respective provider.

XII. Granting a line of credit in the form of an overdraft

1. What is the overdraft grant option?

The option of granting an overdraft is a service offered by Banca Transilvania. This service will allow you to apply for obtaining a credit line in the form of an overdraft.

2. How do you access the overdraft granting option?

To access the overdraft granting option, you must be identified as an individual resident bank client, have at least one BT debit card issued on your personal account, except the BT meal card, be aged between 18-60 years, not be an employee of the BT Financial Group, and not have an overdraft at BT.

3. What are the stages of granting an overdraft?

To be able to obtain an overdraft online, you must perform the following operations:

photograph the identity card and confirm the data from the identity card;
validate the phone number declared to the bank and the email address, by entering the code received by SMS and email, respectively;
you fill in certain personal data relating to: marital status, education, profession, duration of the employment contract, group membership, payment obligations;
you sign the ANAF consultation agreement;
do you accept the offer presented for granting the overdraft, including the maximum amount you can obtain, its specific costs, viewing the benefits;
you browse the documents related to the loan contract, acknowledge and sign them with a qualified electronic signature;
the electronically signed documents are sent to you by email, to the address confirmed earlier.

4. How much time do I have to complete the overdraft application?

After you have completed the requested information, you must proceed to the next step and sign the ANAF consultation agreement within a maximum of 48 hours. If you fail to do so, your request will expire and you will have to start the process over again.

After you have signed the ANAF consultation agreement, make sure to complete the entire process and sign the contractual documents for the overdraft within a maximum of 24 hours. If you do not meet this deadline, the ANAF agreement expires and you must start the process over from the beginning.

5. What software is used for signing documents?

BT Pay application uses the services of Asseco and AlfaTrust. Through these integrations, the user signs both the documents necessary for consulting ANAF, as well as the contractual documents for granting the overdraft through electronic signature.

6. How long does it take to access the line of credit?

The line of credit can be accessed immediately after completing the process and signing the contractual documents for granting the overdraft.

7. Can I modify the credit line amount?

Within the process, the amount displayed in the proposed offer represents the maximum amount of the credit line that can be granted by BT. You can modify it to a smaller amount depending on your needs. This will be the credit line that will be granted to you and that will also appear in the contractual documents.

XIII. Accounts

1. How do I add an account in BT Pay?

You can add a personal current account in BT Pay by accessing the "Accounts" section and following the steps to add the chosen personal current accounts.

2. Can I add multiple accounts in the application?

Yes, you can enroll all current accounts opened at Banca Transilvania, regardless of their currency.

3. How do I open an account from the accounts section?

To open a current account you need to access the "Accounts" section, press "+", choose "Open a new account", select the desired currency and accept the terms and conditions. Also, during a currency exchange operation, if the account in the purchase currency does not exist, the user will be able to open the account within the process by following the steps in the application.

4. How do I delete an account from the Accounts section?

You can always remove an account from BT Pay using the Delete this account option. Subsequently, if you want to add it again, you need to start again from step 1.

5. What can I do in the Accounts section? (option available only to individuals)

automatic addition of PF accounts opened at BT and those opened directly in the BT Pay application
view active accounts and display their balances;
view attached cards for each account;
viewing the designated holder's cards;
transfers between own accounts;
making transfers in lei (interbank and intrabank);
making transfers through RoPay Alias;
viewing, setting and deleting recurring payments.
view transaction history and pending transfers.
IBAN distribution;
payment of invoices by payment order
currency exchange;
automatic import of saved beneficiaries within the Neo BT and BT 24 applications;
opening a current account in RON or another currency.
effecting currency transfers (interbank and intrabank; for additional information, consult: Transaction Processing Schedule);
reordering, renaming and deleting accounts;
viewing and distributing account statements.

6. How do I transfer money?

To initiate a new payment, click the "New Payment" button where you can choose the recipient from the list of recent transfers or saved beneficiaries. If you cannot find yourself in either of the two options, you have the possibility to initiate the payment to a new IBAN by pressing the "Send to a new person" button.

7. Are there commissions and fees for transfers?

Consultation list of fees and commissions which are charged by BT, as well as the maximum transfer limits.

8. How do I view transactions?

In the "Transaction History" screen, all completed transactions as well as those pending will be displayed. You can also search for a specific transaction using the "search" function found both in the cards tab and in the accounts tab.

9. How do I set a recurring payment?

Recurring payment can only be set when you initiate a new transfer to another beneficiary. This will be possible only if there is sufficient balance to make the payment. The recurring payment can be set as weekly, monthly, or bi-monthly.

10. How do I make a currency exchange?

The currency exchange can be accessed from the "Accounts" section by selecting the button specific to this type of operation and following the steps in the application.

Currency exchange can also be performed from the "Cards" section, being available for the currencies EUR, USD, which also have a card available in the application.

11. Are there any fees for currency exchange?

Currency exchange does not involve fees. At the time of the exchange, the exchange rate applied by Banca Transilvania, displayed in real time in the BT Pay application, will be used.

12. In what currency can I exchange money?

The currencies that can be bought/sold through the application are: RON,EUR,USD,GBP,CHF,DKK,NOK,CAD,SEK,JPY,AUD,HUF,CZK,PLN and MDL.

13. Can the exchange rate change?

The exchange rate applied by BT is displayed in the application in real time and can be changed at any time until the foreign currency sale/purchase order is signed by the client.

14. Is there a limit for the amounts I want to buy/sell and what is the Transaction Processing schedule? Is there a daily transaction limit?

These are processed 24 hours a day, 7 days a week, as follows:

from Monday to Friday - in the time interval 9:00 AM - 5:30 PM without limit of amount;
from Monday to Friday, outside working hours (after 5:30 PM, Romanian time) , on weekends or any non-working day, within the limit of a maximum amount of 50,000 lei/day (equivalent in any currency)

The user can perform at most 25 currency exchange operations in a single day.

15. Can I list my account statement from BT Pay?

This functionality refers to the possibility for a user to generate an account statement belonging to a current account added in the BT Pay application, by accessing the "Account Statement" button and selecting the desired period.

16.How can I close an account in BT Pay?

You access the application BT Pay -> Accounts Section -> Account Settings -> Close Account

17.Will a commission be charged when closing the account through BT Pay?

No, Transilvania Bank does not charge a commission for closing current accounts.

18.I have only one current account in EUR currency, I no longer use this account, can I close it from the BT Pay application?

Yes, you can close the only current account in EUR currency or any other currency, it is mandatory to have at least one current account in RON currency.

19. I have only one current account in RON currency, can I close it from the BT Pay app?

If it is the only current account in the RON currency that you hold, it cannot be closed through the BT Pay application, you need to present yourself at a BT branch.

20. What should I do if I have a balance on the account I want to close?

In the situation where you want to close the current account which has an available balance you have the following options:

transfer the available balance from the account you want to close to another current account in the same currency;
you perform a currency exchange on the account in the situation where you no longer have another account in the respective currency.

21.Can I close an account to which I have an attached debit card?

Unfortunately, you cannot close the account from BT Pay if there is an active debit card attached to it. For this situation, it is necessary to visit a BT branch.

22.Which accounts can be closed through the BT Pay application?

Through the BT Pay application, only current accounts in any currency can be closed, it is important that it is not your only current account, that you do not have active attached cards, that it is not the settlement account related to a loan or bank deposit, and that you do not have unauthorized debits.

23. I accidentally closed a current account in BT Pay, how can I reopen it?

If you have successfully completed the account closure process through BT Pay and have received confirmation that it has been successfully closed, unfortunately, you cannot reopen it. You can open a new current account through BT Pay.

24. What happens if the Instant Payment Service is not available?

In the situation where the Instant Payment Service is not available (due to technical reasons or due to the temporary unavailability of the system), the user will be informed by an error message displayed at the time of initiating the transfer. The transaction will not be processed through the instant payment channel, and the amount will not be debited. Subsequently, the user has the possibility to resume the transfer using the available alternatives in the application, such as the "normal" or "urgent" payment options, depending on the necessity and desired processing time.

XIV. Saving

1. What does the Savings functionality mean?

This functionality refers to the user's ability to view, establish the savings products available in the offer of Banca Transilvania for individuals, and to close/dissolve them.

2. Which clients are eligible to use this functionality?

Functionality is available only to Bank Transilvania client users, account holders, natural persons, who are over 18 years old, have completed the identification process and have a PIN set in the application.

3. What types of operations can I perform within the Savings functionality?

If you do not have savings products:
In the "Savings" section you will be able to see the options for Savings Accounts, respectively Term Deposits. From this screen you can initiate a constitution process, selecting a type of savings product from the BT offer.
If you hold savings products:
In the "Savings" section you will be able to see your existing products and you will have a complete picture of the saving products you currently hold. In case you hold multiple products of the same type - in different currencies, these will be displayed in different sections. Existing saving products are divided into categories: Savings accounts (including RoundUp), Term deposits, Collateral deposits.

4. How do you open a savings account?

Choose “+” from the “Savings” section – create a new Savings Account - select a currency (RON/EUR) – I want account – choose the current account from which you want to transfer amounts to the savings account – enter the amount – press “confirm” – establish Savings Account.

5. How do I deposit money into a savings account?

Access the "Savings" section - select the savings account - choose the "Add money" option - select the current account from which the savings account will be funded - enter the amount you want to transfer to the savings account - choose "Confirm". You can also choose to transfer the desired amount of money regularly, on a date chosen by you.

6. How do I close a savings account?

You access the "Savings" section – select the savings account – Account settings – close account – select the current account to which you want to transfer the amounts existing in the savings account – confirm the transfer.

7. What types of deposits can I make?

You have the possibility to set up any type of classic term deposit offered by BT.

8. How do I close a term deposit?

Access the "Savings" section – select the deposit you want to close – close account – choose the desired closure option (at maturity / before maturity) – choose "close deposit".

XV. RCA Insurance

1. What is the RCA Insurance option?

This option allows BT individual clients to view offers and purchase RCA insurance policies directly from BT Pay.

2. How do I access the option to issue RCA insurance?

Option "RCA Insurance" is allowed exclusively for BT individual customers, BT Pay users.

Within the BT Pay application, the option can be accessed directly from the main screen of the application: Insurance -> RCA Insurance.

3. What documents do I need to issue the RCA policy?

Given that the data about the car and the data about the car owner need to be filled in, the client needs the car registration certificate and the owner's identity document. In the application, there is a document scanning function to streamline the data completion process.

4. How do I view the offers?

After successfully completing all fields in the application related to the car, the owner, and the period, the client will access the "See offers" button. Thus, all insurance offers will be displayed on one screen, and the user has the possibility to choose one of the offers, for a period of 6 months or 12 months. Subsequently, the client can select the most suitable offer for him and will make the payment of the amount indicated within the chosen offer.

5. How do I view the insurance policy issued?

After issuance, the client will receive the insurance policy in PDF format at the e-mail address provided for receiving the purchased RCA insurance policy.

The client receives an e-mail which represents the confirmation of the issuance of the RCA Policy and contains all the details of the launched order, along with the Insurance Policy issued by the Insurer.

6. How do I make the payment for the RCA insurance policy?

Payment can only be made through a card registered in BT Pay. By pressing the "Confirm and pay" button, the user agrees that the amount corresponding to the RCA policy indicated in the selected offer will be debited from the account to which the card used for the payment is attached. If the payment is completed with a credit card, the client will have the option to select either full payment or payment in 6 or 12 installments.

7. How long after payment is the insurance policy issued?

The insurance policy will be issued within a maximum of 30 minutes from the moment of payment in BTPay and will be sent to the customer's e-mail address.

8. How long does Renomia take to return the money in case of a return?

In case the client is in a situation where they have to receive a premium refund for the RCA insurance policy, the insurance broker Renomia will return the money to the account within a maximum of 7 working days.

9. In which case can I request the termination/cancellation of the RCA insurance policy?

The cancellation of the RCA insurance policy can only be done in one of the following cases:

in case there is still another valid policy issued for the same car, in which case only the first RCA policy remains valid;
in case the car is sold;
the insurer's decision in the case of a request to modify an RCA policy that has not entered into force;

10. How do I request the termination of the RCA insurance policy?

In case you want to terminate the RCA insurance policy for a previously mentioned reason, you contact Pago btrca@pago.ro.

11. What documents are required for the termination/cancellation of the RCA insurance policy?

In order to terminate the effects of the RCA insurance policy, the client must send an email to btrca@pago.ro the following documents:

photo from the registration certificate;
identity card;
RCA policy issued;
the termination request related to each insurer.

12. How can I modify the data on the RCA insurance policy?

In case the client notices that the information on the RCA insurance policy is incorrect (address, owner data, car registration number, driver data, etc.), the client can request the modification of the data on the issued document at the e-mail address btrca@pago.ro.

For the modification of the insurance policy, a few documents are needed from the client:

Stub
identity document owner
Policy in PDF format
Car Drivers Bulletin (for changes/additions of drivers)

Attention: All sent documents must be photographed in full, not in pieces.

Example: a picture of the entire vehicle registration certificate, a picture of the entire identity card.

13. What does modifying the RCA insurance policy involve?

In case the modification of the RCA insurance policy data also involves changing the policy amount, you will be informed about this and asked if you agree to the debit of the remaining amount.

14. How long does it take to process requests to terminate or modify the data on the RCA insurance policy?

Requests either for termination or modification of the RCA insurance policies will be resolved within a maximum of 5-7 working days by the insurers who issued the policy.

All information regarding the request will be communicated to you by Pago btrca@pago.ro and they will also send the necessary documents to the insurer and will inform him about the request.

15. What do I do if I do not receive the RCA insurance policy by e-mail?

In case the policy is issued, but has not been sent by email, the user can access the "Resend" button and will receive the policy at the completed email address. RCA insurance policies are sent within a maximum of 30 minutes from issuance.

16. What do I do if the RCA insurance policy has not been issued even though I have completed all the required information?

There is a possibility that the RCA insurance policy will not be issued because the start date of the new policy that was selected overlaps with the date of the old policy.

There is also the possibility that the completed data is incorrect or does not correspond to the data in the database of the chosen insurer. The client will be informed and will have to return with the documents in order to correctly update the data. (the owner's identity card and the car registration certificate).

XVI. Travel insurance

1. What is the Travel Insurance option?

This option allows BT individual clients to view personalized offers based on needs analysis and to purchase travel insurance policies directly from BT Pay.

2. How do I access the travel insurance issuance option?

The “Travel Insurance” option is allowed exclusively for BT individual customers, BT Pay users who meet certain eligibility conditions.
Within the BT Pay application, the option can be accessed directly from the main screen of the application: Insurance -> Travel Insurance.

3. How do I view the offers?

After successfully completing the needs analysis and the policy start period, the client will see a personalized insurance offer on the screen, and the user has the option to choose the offer or to request a new offer. Subsequently, the client can make the payment of the amount indicated within the presented offer.

4. How do I view the issued insurance policy?

After issuance, the client will receive the insurance policy in PDF format at the completed and validated e-mail address.

The client receives an email which represents the confirmation of the policy issuance and contains all the documents found on the flow, along with the Insurance Policy issued by the Insurer.

5. How do I make the insurance policy payment?

Payment can only be made through a card registered in BT Pay. By pressing the “Confirm and pay” button, the user agrees that the amount corresponding to the policy indicated within the chosen offer will be debited from the account linked to the card through which the payment is made. In case the user selects a credit card for the payment, they will have the option to choose either full payment or up to 12 installments.

6. How long after the payment is made is the insurance policy issued?

The insurance policy will be issued within a maximum of 30 minutes from the moment of payment via BT Pay and will be sent to the client's e-mail address.

XVII. Credit card and overdraft insurance

1. What is a line of credit insurance?

Metropolitan Life life insurance attached to the BT credit card and overdraft offers financial protection in case of death, involuntary job loss, and hospitalization caused by accident or illness depending on the socio-professional status.

2. There are additional benefits

You enjoy up to 3 months of free insurance.

3. How can I obtain this insurance?

Insurance can be obtained by BT individual clients, BT Pay users who meet the eligibility conditions. It can be accessed from the BT Pay application, either from the main screen in the Insurance menu, or from the cards menu in the Credit Info section.

4. What are the insurance costs?

The insurance premium is 0.268% of the amount used from the credit line in the previous month (example: 2.68 lei for every 1000 lei used). If you do not use the credit line in a month, you do not have to pay the premium for the next month, but the insurance remains in effect.

5. What are the steps to activate the policy?

After accessing the Insurance menu --> Credit line insurance or Credit info --> Credit line insurance in the BT Pay application, you can view the insurance offer and issue the policy. The documents are sent to the e-mail address confirmed in the policy issuance process.

XVIII. Home insurance

1. What is the Optional Home Insurance option?

This option allows BT clients who have a home to issue directly from the BT Pay application an optional home insurance policy or, when necessary, the package consisting of the optional home insurance policy + the PAD policy.

2. How do I access the option to issue the Optional Home Insurance?

The option is available exclusively to BT clients, BT Pay users, individuals who do or do not have a mortgage loan at BT. In the BT Pay application, the option can be accessed from: main screen:

Insurances → Home insurance
HUB screen or
Credits Section → Insurance.

3. How do I view the offers?

After completing and confirming the information about the dwelling and the insured, the client is directed to the offer screens. Depending on preferences, they can select the Gold Package or the Silver Package and can add the available optional coverages (boiler insurance, electrical damages, emergency technical assistance).

4. How do I view the issued insurance policy?

After issuance, the policy can also be viewed and distributed directly from BT Pay, in the Insurance → Home Insurance section.

5. How do I make the payment for the optional insurance policy or optional + PAD?

Payment can only be made with a BT card registered in BT Pay. By pressing the "Confirm and pay" button, the customer expresses their consent for the debit of the selected card account.
Payment is always made in RON. For policies in EUR, conversion is applied at the NBR exchange rate on the day of payment.
Clients can also pay in 6 or 12 installments with BT credit cards.

6. Can I use the option to issue a home insurance policy if I do not have a mortgage loan with BT?

Yes, a home insurance policy can be issued even if you do not have a mortgage loan with BT.

7. What is the validity period of the AEL policy?

The policy is valid for 12 months from the start date.

8. When does the validity of the optional policy begin?

T+1 if there is no active policy
The day immediately following the expiration of the existing policy (if it expires in less than 30 days)

9. What is the maximum insurable amount?

The total insured amount (building + contents) cannot exceed 500,000 EUR or the equivalent in RON.

10. What limits does the value of the content have?

The value of the contents must be between 10% and 30% of the value of the property, but not more than 30,000 EUR or the equivalent in RON.

11. Can I change the market value of the property?

The pre-filled market value can only be increased. It cannot be decreased below the updated market value in the system.

12. Is the existence of a PAD policy mandatory?

Yes. For the issuance of the optional policy, the existence of an active PAD policy for the same property is mandatory.

If there is no active PAD policy, it can be issued directly in the AEL flow, with a start date of T+5.

XIX. BT Pay Kiddo

1. What is BT Pay Kiddo?

Functionality that offers the legal representative the possibility to grant BT Pay usage permission for minors aged between 8-18 years (hereinafter "minor"). This process takes place exclusively online, ultimately providing the legal representative with a new option “Kiddo” on the main page of the BT Pay application, through which certain operations can be viewed and performed. The functionality is addressed to:

Minors aged between 14-18 years;
Minors aged between 8-18 years.

2. What conditions must I meet as a legal representative/guardian to activate BT Pay Kiddo?

To activate BT Pay Kiddo, the legal representative/guardian must have the BT Pay application for which the identification process has been completed and meet the conditions below:

For minors aged between 14-18 years with a bank account, the legal representative must be a natural person with an account opened at BT and must be authorized with a unique signature on the minor's account;
For minors aged between 8-18 yearsattached to the parent's account, the legal representative must be a resident individual account holder.

3. What conditions must the minor meet to have BT Pay Kiddo?

To activate BT Pay, the minor must meet the conditions below.

For minors aged between 14-18 years:

Must be at least 14 years old and have an identity card issued in Romania;
To have an account and card issued in his name;
Must have a declared phone number in the relationship with the bank (the minor's number).

For minors aged between 8-18 years not completed attached to the parent's account:

Must be at least 8 years old.

4. How do I activate BT Pay Kiddo?

As a parent/guardian/legal representative of a minor over 8 years old (‘the minor’), if you want to grant them the possibility to access/use BT Pay for minors, you can do this directly from your app, by accessing the “BT Pay Kiddo” option and following the steps in the app: going through the identification process if necessary, accepting the legal terms for this functionality, giving consent for the processing of the minor’s biometric personal data aged between 14-18 years, providing the minor’s personal data consisting of the phone number declared at the bank on their account and the CNP of the minor aged between 14-18 years, respectively the phone number, CNP of the minor, and full name for those aged between 8-18 years not reached attached to the parent’s account. Alternatively, for minors aged between 14-18 years, you can grant permission to use BT Pay for minors also at a BT unit.

5. How does the minor activate BT Pay?

For minors aged between 14-18 years:

After the parent grants permission to access/use the BT Pay application, the minor must download the BT Pay application from the AppStore/GooglePlay/Huawei App Gallery and follow the enrollment steps in the application.

For minors aged between 8-18 years not completed attached to the parent's account:

In order to grant permission to minors to use BT Pay, the BT Pay user parent will access the BT Pay Kiddo functionality from their own Application and will provide the Bank with the requested information, namely the personal numerical code, the first name, last name and phone number of the minor. At the time access is granted, the parent will also request the issuance of a card for the child, which will be issued to the parent's account and will be attached to a dedicated sub-account.
After the parent grants permission to access/use the BT Pay application, the minor will install BT Pay from the dedicated stores mentioned above, using in this regard the phone number declared by the parent at the time the permission is granted. The parent authorizes the installation of the application and the addition of the BT Kiddo card through the phone unlocking method from their own BT Pay application and through an OTP code sent via SMS to the parent's number, which the minor will enter in their application. Subsequently, the minor will have access to the BT Pay features dedicated to minors over 8 years old.

6. I am a minor and I have BT Pay, what operations can I perform?

For minors aged between 14-18 years:

BT card registration in app;
Payments with the phone at POS; for phones with the Android operating system, the payment is made with BT Pay. For users with iOS phones, the card can be added to the Apple Pay solution, directly from the BT Pay application in compliance with the conditions established by the application provider, including the conditions regarding the user's age;
Money transfer;
Money request;
Displaying card data and confirming online payments;
Temporary or permanent blocking of the card;
Cash withdrawal from contactless ATM or based on code generated in the application;
Card balance view, card transaction history and viewing card expenses by categories;
RoundUp Activation;
Activation of offers in the Prizes in Motion section.

For minors aged between 8-18 years not completed attached to the parent's account:

Payments with the phone; for phones with Android operating system, payment is made with BT Pay. For phones with iOS operating system, the card cannot be added to Apple Pay, according to the age conditions imposed by the provider, namely minimum 16 years old;
Request money from the parent who granted permission to use the BT Pay application;
Cash withdrawal from contactless ATM (with BT Pay using NFC technology for phones with Android operating system, or using the card;
Balance view;
View card expenses and transaction history.

7. I am the legal representative/ guardian and I have granted the minor permission for BT Pay, what operations can I perform?

For minors aged between 14-18 years, after adding a BT card issued in the name of the minor, if it is attached to the minor's personal account, the parent can perform the following:

Set transaction limits
Temporarily or permanently block/unblock the card;
View card balance
View transactions/ transfers carried out by the child

For minors between 8-18 years old attached to the parent's account: ulterior emiterii cardului pe subcontul parintelui si adaugarii in aplicatia copilului, parintele va avea disponibile in tab-ul “Kiddo” urmatoarele informatii si actiuni:

Change of transaction limits related to children's cards;
Temporary or permanent blocking/unblocking of the card; adding money: the parent will select their own card from which they want to make the transfer (only BT cards issued on the account holder's name are accepted, and the transfer will be made automatically to the child's card;
Balance card view;
Viewing transactions/transfers made by the children.

8. For how many minors can I request access in the BT Pay Kiddo application?

For minors aged between 14-18 years you can add up to 5 minors;
For minors between 8-18 years old not reached, you can add up to 5 minors.

9. Do I have transfer limits if I am a minor?

For minors aged between 14-18 years the maximum transfer limits per day/card are:

Money transfer 500 RON and 100 Euro in max. 10 transactions/day.
Collection maximum 2000 RON and 400 euro in max 10 transactions per day.

For minors aged between 8-18 years, attached to the parent's account, the maximum daily transfer limit (receiving money from the legal representative who granted them access) is a maximum of 2000 RON in up to 10 transactions per day.

10. The minor has changed their phone number, what do I do?

For minors aged between 14-18 years:

It is necessary first to update together with him the phone number in the bank's system. This operation can be done both online (if you have access to the previous phone number) and at a BT branch. After the update, you must access the “BT Pay Kiddo” button, select the minor for whom you want the change, and enter the new phone number. After following the steps in the app, the minor must reinstall the BT Pay application and the identification process will be resumed. If you do not want the minor to be identified in BT Pay, you must appear together at a BT branch.

For minors aged between 8-18 attached to the parent's account:

It is necessary first to update together with him the phone number in the bank's system. This operation can be done both online (if you have access to the previous phone number) and at a BT branch. After the update, you must access the “BT Pay Kiddo” button, select the minor for whom you want the change, and enter the new phone number. After following the steps in the app, the minor must reinstall the BT Pay application and the identification process will be resumed. If you do not want the minor to be identified in BT Pay, you must appear together at a BT branch.

11. The minor uninstalled the BT Pay application, can I still see the “Kiddo” tab

For minors aged between 14-18 years:

In case of uninstallation of the application by the minor, the legal representative of the minor will be able to perform the above-mentioned operations on the BT Pay Kiddo option. The BT Pay Kiddo option will no longer be visible if there is no BT card linked to the minor's personal account added in the minor's BT Pay application.

For minors aged between 8-18 years not completed attached to the parent's account:

In case of uninstalling the BT Pay application by a minor, their legal representative will continue to see their card in the BT Kiddo tab. The minor will be able to reinstall the application by repeating the initial installation steps and obtaining authorization from the parent.

12. What happens when the minor turns 18 years old?

30 days before reaching the age of 18, the minor will be informed through an in-app notification regarding the limitation of access to BT Pay functionalities for minors. Upon reaching the age of 18, the minor must reinstall the application and go through the enrollment process using the newly issued identity card. Prior to that, the newly issued identity card must be updated in the bank's system.

13. Are there fees for BT Pay Kiddo?

For more information regarding taxes and commissions please go through the list of taxes and fees in BT Pay.

14. How can I open an account for a child?

To open an account in the name of the minor, it is necessary to present yourself at any BT unit together with the minor aged between 14-18 years, his identity card, and his birth certificate.

15. Is there a possibility to connect for the second legal representative (parent)?

For minors aged between 14-18 years:

Yes. In case a legal representative of the minor has granted permission to use Bt Pay for minors, it is always allowed to connect to the minor's BT Pay user account also a second legal representative, provided that the latter is also authorized on the minor's account. The steps that the second representative must follow are similar to those for connecting the first representative.

For minors aged between 8-18 years not completed:

A minor between 8-18 years old may obtain access to BT Pay from a single legal representative.

16. How can a parent withdraw money for minors aged between 8-18 years attached to the parent's account?

The parent who created the connection can withdraw the money by accessing the "Take the money back" button.

XX. Move your money to BT

1. What is the “Move your money to BT” option?

Functionality that offers the BT Pay user the possibility to recurrently transfer their income or other amounts found in the account to which a non-BT card enrolled in BT Pay is attached, into an account to which an existing BT card in the wallet is attached.

2. How do I access the “Move your money to BT” option?

The “Move your money to BT” option is allowed exclusively to BT individual clients, BT Pay users, with at least one BT card and one non-BT card enrolled in the wallet.

Within the BT Pay application, the option can be accessed directly from the main screen of the application by pressing the “Move your money to BT” button.

3. What are the steps to set the “Move your money to BT” option?

After pressing the “Move your money to BT" button:

The user will choose the non-BT card registered in the wallet from which they want to set the transfer;
In the next screen, the user will choose the BT card enrolled in the wallet where they want to receive the money;
Subsequently, the user will be able to fill in the transfer amount in lei that they want to make from the non-BT card to the BT card, its details and will be able to opt for the desired recurrence: weekly, monthly or biweekly.

4. Is this operation commissioned?

For this operation of transferring funds to the BT card, you will not be charged a commission.

There is still the possibility of applying fees related to this type of transfer by the issuing bank of the non-BT card, so please check this information with the issuing bank.

5. What are the transfer limits when using the "Move your money to BT" option?

The maximum value of amounts transferred using the "Move your money to BT" option is 30,000 lei/month/client, regardless of the number of transfers made.

6. How long does it take to transfer from the non-BT card to the selected BT card, using the "Move your money to BT" option?

The transfer is made instantly on the date set by the user as recurrence for moving amounts from the non-BT card to the BT card: weekly, monthly, or biweekly, if this amount is found in the account to which the respective non-BT card is attached. In case you do not have the respective amount, the transfer will not be made.

7. What happens to the recurring transfer set from a non-BT card that was subsequently closed?

If at the time of the transfer, according to the recurrence, the non-BT card is identified as closed, the action is not successfully completed and the user receives a notification in BT Pay about this situation.

8. What happens if I want to delete a transfer set with a certain recurrence using the "Move your money to BT" option?

The user can at any time delete a recurring transfer set through the "Move your money to BT" option, by accessing the list of set recurring transfers, selecting the desired transfer and swiping left to delete. The user must confirm or cancel the delete action.

XXI. Granting Non-card Loans

1. What does the option to grant a non-card credit in the BT Pay application represent?

The option to grant a non-card loan is a service offered by Banca Transilvania that allows you to apply for a 100% online non-card loan, based on simplified documentation.

2. How do you access the non-card credit option in the BT Pay application?

To access the non-card loan option, you must be a resident individual, be a BT client, be aged between 18-64 years, not be employed within the BT Financial Group, and have declared your income to ANAF.

3. What non-card credit products can I access in the BT Pay application?

Currently, through the BT Pay application, you can apply for an unsecured personal loan.

You have the possibility to configure your loan according to your needs. Thus, you can opt for a personal loan with or without insurance included, the interest rate on the loan can be fixed or variable, and the monthly installments can be equal or decreasing.

4. How can I apply for a personal loan from BT Pay?

The application for a personal loan can be initiated from the main menu of the BT Pay application, by accessing the "Loans" menu or from the "News" section the banner "Personal loan".

In case you already have a loan from Banca Transilvania, in the "Loans" menu you will find displayed the details of the contracted loan, and with a simple slide on the screen you will see the option to apply for a personal loan.

5. What amount can I request for a personal needs loan 100% online?

The minimum amount that can be granted through the BT Pay application is 5,000 Ron and the maximum amount cannot exceed the value of 120,000 Ron.

6. For what period can a personal needs loan 100% online be requested?

Personal loan can be requested for a period between 1 year and 5 years.

7. What are the stages of granting a personal loan?

You access the “Credits” tab from the main menu of the BT Pay application or from the “News” section the banner “Personal needs loan” and request a simulation of the personal needs loan;
You configure the credit and enter a series of information regarding: the requested amount, the period, the type of interest, the type of installments, and the income collection in the account;
At the moment you select the type of interest and the type of installments, a separate page with an informative note will open, which we recommend you go through so that you choose the best option for you;
Analyze the loan offer with insurance and the loan offer without insurance, select the option that best suits your needs and apply for the loan online;
You read the "Information regarding the processing of personal data" and express your consent for the processing of personal data and biometric data. In case you have opted for a personal needs loan with insurance, your consent is required for the collection of the payment of the balance or the monthly installment by the insurer in the event of an unforeseen event;
You confirm and validate the data from the ID card or request their update in case the data displayed in the application are no longer current;
Validate the email address by entering the code received by email;
You fill in certain personal data related to: marital status, residential status, education level, current profession, type of employment contract, payment obligations, the date you want the monthly installment payment, group affiliation, and declare whether or not you have other loans under review;
You take a selfie according to the instructions displayed in the application;
You confirm that all the entered data is correct and you sign the ANAF consultation agreement. In case you have an ANAF agreement signed in the last 24 hours, the signing step will no longer be necessary;
Do you accept the offer presented for granting the personal loan? By accepting the offer, you agree with the offered amount, the loan period, and the related cost;
You review the documents and electronically sign the documentation related to the loan;
You receive the electronically signed documents at the previously confirmed e-mail address.

8. How much time do you have available to complete the credit application?

After you have completed the requested information, within a maximum of 24 hours you must proceed to the next step and sign the ANAF consultation agreement. If you fail to do so, your request will expire and you will have to start the process over from the beginning.

After signing, the ANAF consultation agreement it is necessary to sign the contractual documents related to the personal loan within a maximum of 24 hours. If you fail to comply within this period, your request will expire and you will have to restart the process from the beginning.

9. What software is used for the electronic signing of documents?

BT Pay application uses Asseco and AlfaTrust services for electronically signing documents with qualified electronic signature.

10. How long does it take to access the amount related to the personal loan?

You will receive a notification from the bank when money has been transferred to your account.

The granted amount can be accessed in just a few minutes after completing the process and signing the contractual documents for granting the personal loan.

11. How can I initiate the partial early repayment operation from BT Pay?

The partial early repayment operation of loans can be initiated from BT Pay, by accessing the Loans tab, followed by selecting the Partial Early Repayment option.

12. Can co-debtors/guarantors initiate a partial early repayment through BT Pay?

No. The partial early repayment from BT Pay can only be made by the credit holder.

13. What types of loans can be repaid early through BT Pay?

In BT Pay, loans granted to individuals can be repaid early.

They are initially excluded:

study loans
Work&Travel credits
APIA credits
the migrated loans from the OTP portfolio

14. Can the loan be fully repaid through BT Pay?

No. Currently, only partial early repayments can be initiated through BT Pay.

15. Can multiple early repayments be initiated from BT Pay in one day?

No. Only one early repayment per day per loan can be initiated.

16. Can I initiate an early repayment at any time interval?

No. Requests are processed Monday–Friday, between 08:00–18:00.

17. Can early repayments be made on the due date or on the maturity date of the loan?

No. Early repayment cannot be processed on the due date or maturity date.

18. Can any amount be reimbursed or is there a minimum threshold?

Yes, there are rules:

The amount must be greater than 10 RON/EUR/CHF.
The amount must be greater than the remaining credit balance to be repaid.
If the amount is less than the monthly installment, the repayment can only be processed with the option:
„Reducing the value of the monthly installment and maintaining the remaining credit period.”

19. Can early repayment be processed if the amount available in the account covers only the repayment value?

No. There must be sufficient available in the account for:

amount to be reimbursed
early repayment fee, if applicable

20. Is early repayment allowed from an account opened in a currency different from the loan currency?

No. In BT Pay only the accounts in the currency of the credit are displayed.

21. What components can be reimbursed through BT Pay?

The repayment method can be selected as:

Repayment from principal + interest + commissions
Refund only from principal

22. Can I download or distribute the new charts from BT Pay?

Yes. Both the charts from the simulation and the new chart generated after the repayment is completed can be downloaded or shared.

23. Am I informed about the fees charged?

Yes. On the "Confirm Transaction" screen appear:

available balance
the beneficiary of the operation
refunded amount
the value of the early repayment commission
transaction details

XXII. Investments

1. What does investing in investment funds through BT Asset Management involve?

Investments in investment funds involve the purchase of fund units at different prices. What distinguishes them from other products is that through a fund you can invest in both bank deposits, bonds, government securities, and shares of companies listed on various stock exchanges, depending on the investment policy of the chosen fund. Practically, these types of financial products facilitate your access to multiple instruments that are usually purchased from distinct entities.

2. How can I invest in investment funds through BT Pay?

The first step involves accessing the "Investments" module and signing the brokerage contract. Then you have the possibility to invest in any of the 14 funds managed by BTAM, available in the application.

3. What types of investment funds can I purchase through BT Asset Management?

You can access investment funds denominated in RON, EUR and USD . These, depending on the portfolio composition, are fixed income funds, mixed funds, and equity funds respectively. Each fund has its particularities, therefore you can consult the details by accessing the fund of interest and the "Information" section.

4. Is there a minimum amount for the first investment in BTAM funds?

Yes, the minimum amount is 50 RON for funds denominated in lei, and 25 EUR/USD for investment funds denominated in EUR/USD.

5. How can I monitor the evolution of my investments?

Within the "Investments" menu we find the chart that shows us the total equivalent investments in RON with the breakdown of the result included in absolute value, as well as percentage. Also, each investment fund displays the evolution in the fund's currency both percentage-wise and in absolute value. Additionally, by accessing each individual fund we observe the graph with the evolution over various periods of 1, 3, and 5 years respectively.

6. What are the risks associated with investments?

Investment funds are not guaranteed, and past performance does not represent a guarantee of future achievements. Therefore, choose the funds that you understand and with a level of risk comfortable for you.

7. What taxes and commissions are applicable to investments in investment funds?

It is important to know that no commissions are charged for investments and, likewise, redemptions are made without commissions, regardless of the holding period of the redeemed fund units. In the case of redemptions, the resulting gain is taxed according to the legal framework.

8. How can I redeem my investments?

Simple. You access the fund screen and select the "Sell" button. You choose the current account where you want to receive the money, select the type of redemption: partial (you fill in the amount) or full, then you sign the transaction. Keep in mind that the payment of amounts due from the redemption of fund units is made within 2 working days.

9. Can I schedule recurring investments in investment funds through BT Pay?

Of course. In the "Investments" menu you will find the "Recurring Investment" option which allows you to automate investments from the current account, with the amount and on the date chosen by you.

10. I have not invested at BT Asset Management anymore. What are the steps I need to follow and what documents are necessary?

To buy fund units at investment funds managed by BT Asset Management you need a current account at BT in the currency of the fund of interest and to go through the enrollment process via BT Pay, which takes a few seconds. We do not ask you for additional documents beyond those presented when opening the business relationship with BT.

11. How long does the investment process take?

From an operational point of view, the process of purchasing fund units is very fast. In the "Investments" menu, you choose the fund of interest and the option "Buy," then select the current account from which you want to initiate the investment, enter the amount and sign the transaction. Note, the issuance of fund units is done on the next working day after the investment amount has been credited to the fund's account, but you can always view the "Pending Transactions" section

12. How quickly can I redeem the investments and receive the amount of money in the account?

The redemption operation is initiated by accessing the fund screen and selecting the "Sell" button. Then you select the current BT account in which you want the amount to be transferred, the redemption method, partial or full, then you sign the transaction. Note that the payment of amounts due from redemption is 2 working days, and the amounts are usually paid in the current BT account after 3:00 PM

13. How can I check the transaction history made in investment funds?

Quite simple. In the "Investments" menu, you can find the "Documents" section where, for each investment fund, you have at your disposal the history of your transactions, as well as the possibility to generate the investment account statement.

14. How long does the approval process take for opening the business relationship with BT Asset Management?

You must make sure that you have your personal data updated at Banca Transilvania. Access to the investment funds managed by BT Asset Management is done in simple steps. This process should take a few minutes.

15. Can I make investments immediately after joining?

Of course. After signing the brokerage contract, you have access to all 14 open-ended investment funds to make purchases. All you have to do is access the "Investments" menu and select the "Invest" option.

16. What should I do if I encounter difficulties during the joining or purchasing process?

I hope you are not in this situation. If you do encounter problems during the process or when you want to invest, you can contact BT from the Contact section of BT Pay or by calling BT Asset Management at the Call Center number 021.9128.

17. What is the price at which buying or selling operations of fund units are made?

For the open investment funds in Romania, authorized by the Financial Supervisory Authority, subscription and redemption transactions are carried out at an unknown price. Thus, for a subscription or redemption request submitted on day T, the price at which the fund units will be allocated or canceled is known on day T+1 (the next working day), in the afternoon, after the certification of the net asset value by the Depositary of the investment fund (BRD-Groupe Societe Generale, in the case of investment funds managed by BTAM).

Within the website www.btassetmanagement.ro, the update of fund unit prices is done daily, at the end of the day. Thus, in the first part of a working day, the displayed price is the one valid for operations registered on day T-2 (where T=current day), and at the end of the day, the price is updated with the value valid for operations registered on day T-1.

18. How do I become a participant in the optional pension funds managed by BT Pensii?

You can sign the individual membership agreement to the optional pension fund directly from the BT Pay application, or, if you prefer, you can visit a BT branch to sign the document.

To contribute, you have two options:

Direct from your bank account, through BT Pay, to the chosen fund.

Through the employer, to whom you can send a copy of the membership document. They will withhold your contribution from the gross salary and transfer it to your voluntary pension account.

After the contribution is allocated to your account, you will receive a Confirmation SMS.

You can check your voluntary pension account status anytime in the application BT Pay.

19. How can I join the optional pension funds through BT Pay?

The first step involves accessing the "Investments" tab and choosing the BT Pensions managed pension fund(s) you want to join. Then set the monthly amount you want to contribute from your bank account and the date, and the last step is to sign the membership agreement. After allocating the contribution to your account, you will receive a confirmation SMS. You can check the status of your voluntary pension account anytime in BT Pay. You can cancel or modify the monthly contribution.

20. What are the optional pension funds managed by BT Pensii?

BT Pensii manages two optional pension funds, both in lei and part of Pillar III: My Pension and My Pension+. The fund My Pension+ was taken over from BRD Private Pension Fund Management Company S.A. and is now managed by BT Pensions.

21. Is there a minimum monthly amount for the contribution to the optional pension funds managed by BT Pensii?

Yes, the minimum monthly contribution to My Pension is 60 lei, and to My Pension+ the minimum monthly contribution is 50 lei; the maximum contribution is 15% of your gross monthly income or of income assimilated thereto.

22. How can I monitor the evolution of my contributions to voluntary pension funds through BT Pay?

In the BT Pay application, in the tab “Investments”, is available a chart that displays the total balance, along with details about the investment result — both in absolute value and percentage. In the subsection „Details”, you can consult information such as:

• current balance

• contribution value

• number of allocated fund units

• date of last contribution

• evolution of the fund (NAV and the yield over the last 5 years).

23. What are the benefits of voluntary pension funds?

• You accumulate amounts to use when you retire

• You have flexibility: you can contribute individually, and your employer can also contribute on your behalf, providing an extra-salary benefit. You can stop and resume payments anytime or change the monthly amount.

• An important advantage is the tax deduction:

- Your own contributions are exempt from income tax if the amount is withheld and paid by the employer, up to 400 euros/year (approximately 165 lei/month).

- Likewise, contributions offered by the employer are non-taxable within the same limit of 400 euros/year. These tax facilities can be applied individually or cumulatively, depending on the type of contribution (personal or employer's).

These tax facilities can be applied individual or cumulative, depending on the type of contribution (personal or employer's).

24. What are the risks associated with voluntary pension funds?

Past performance of the fund does not guarantee future results. Therefore, choose the fund(s) that you understand and with a risk level comfortable for you.

The investment universe of the funds managed by BT Pensii includes financial instruments such as: government securities, corporate bonds, listed stocks, bank deposits.

My Pension is suitable if you are more dynamic or have a long period before you retire (20+ years). In the long term, high risk can yield greater rewards.

My Pension+ offers the guarantee that you will not withdraw less than the amount of net contributions allocated to your account (guarantee offered in case of money withdrawal according to legal regulations, after the age of 60 or in case of death).

25. What taxes and commissions apply to the optional pension funds managed by BT Pensii?

The management fee for My Pension, which is deducted daily, as a percentage of the Fund's total assets, is 0.0064% per day; The fees and commissions borne by the fund can be consulted in the Prospectus: btpensii.ro/documente-si-formulare/prospecte/pensia-mea

The management fee for Pensia Mea + is 0.1625% monthly of the total Fund's assets. The fees and commissions borne by the fund can be consulted in the Prospectus: btpensii.ro/documente-si-formulare/prospecte/pensia-mea-plus

26. When can I claim the accumulated money?

The money you accumulate within the private voluntary pension can be withdrawn anytime after reaching the age of 60 or in the case of a disability pension. In the event of death, the legal heirs can claim the value of the accumulated asset. The payment of the net personal asset can be made either as a lump sum or in installments, according to the established schedule.

27. How long does the contribution allocation process take?

The allocation to your pension account can take up to 4 working days from the date of receipt. After the contribution is allocated to your account, you will receive a Confirmation SMS. You can check your optional pension account status anytime in the application BT Pay.

28. How can I check the history of contributions allocated in BT Pay?

Quite simple. In the "Investments" tab, you select the investment fund in which you are a participant and you have at your disposal the history of your contributions, as well as the possibility to generate the pension account statement, from the "Documents" section.

29. What should I do if I encounter difficulties during the membership process?

We hope you are not in this situation. If you still encounter problems during the joining process, you can contact BT from the Contact section of BT Pay or by calling the BT Call Center: 0264 308 028.

30. Can I find out from BT Pay if I am a participant in Pillar 2?

Yes, in BT Pay you have the possibility to check where your privately managed Pillar II pension is. From the card carousel, select Pillar II and fill in the necessary information in the “Check” section.

BT Pay Application User Guide

I. General

II. BT card enrollment

III. Non-BT card enrollment and permitted operations

IV. Payment with the phone with BT cards

V. Cash withdrawal based on code for BT cards

VI. BT card transfers

VII. Card details

VIII. Authentication of online payments through the BT Pay application

IX. RoPay Service

X. Granting and increasing the credit line for the credit card

XI. Invoice Payments

XII. Granting a credit line in the form of an overdraft

XIII. Accounts

XIV. Savings

XV. RCA Insurance

XVI. Travel insurance

XVII. Credit card and overdraft insurance

XVIII. Housing insurance

XIX. BT Pay Kiddo

XX. Move your money to BT

XXI. Granting Non-card Loans

XXII. Investments

I. General

II. BT card enrollment

III. Enrollment of non-BT card and permitted operations

IV. Payment with phone using BT cards

V. Cash withdrawal based on code for BT cards

VI. BT card transfers

VII. Card details

VIII. Online payment authentication through the BT Pay application

IX. RoPay Service

X. Granting and increasing a line of credit for a credit card

XI. Bill Payments

XII. Granting a line of credit in the form of an overdraft

XIII. Accounts

XIV. Saving

XV. RCA Insurance

XVI. Travel insurance

XVII. Credit card and overdraft insurance

XVIII. Home insurance

XIX. BT Pay Kiddo

XX. Move your money to BT

XXI. Granting Non-card Loans

XXII. Investments

Application functionalities