Terms and conditions of use for the BT PAY mobile app

Update date: 10/08/2026

BT PAY and acceptance of app usage

These terms and conditions (hereinafter referred to as “BT Pay Terms”) constitutes a legal contract concluded between Banca Transilvania S.A., a credit institution established in Romania, headquartered in Cluj-Napoca, Calea Dorobanților, no. 30 - 36, Cluj County, registered at the Trade Register under no. J1993004155124, unique code RO 5022670 (hereinafter referred to as „BT” or „bank”) and you („the client" or "the user), for using the features of the BT Pay mobile app (hereinafter referred to as „Application” or „BT Pay”) and apply as follows:

A. Qualora siate clienti della Banca Transilvania S.A. – Filiale Italia (BT Italia)

For the clients of Banca Transilvania S.A. – Italy Branch (BT Italy applies the current version of these Terms and Conditions available who.

B. If you are an Adult Client ("adult user"):

We recommend that you read these BT Pay Terms in full before deciding whether to accept them and continue the registration process. If you do not agree with any of the provisions of the BT Pay Terms or if you refuse to have your personal data processed as we have informed you through Privacy notice regarding the processing of personal data in BT Pay, please do not access, browse or use the app, nor the software, services, information, materials or other content included in the app.

BY CLICKING THE "BUTTONI AGREEBY USING BT PAY BELOW, YOU AGREE TO THE TERMS AND CONDITIONS SET OUT IN THE BT PAY TERMS AND CONDITIONS AND IN PRIVACY NOTICE REGARDING THE PROCESSING OF PERSONAL DATA IN BT PAY.

C. If you are a minor client aged between 14 and 18 and have BT Pay linked to your account opened with BT:

To access/use in BT Pay the features for minor users who have BT Pay linked to their account opened at BT, it is necessary for a parent/guardian/legal representative of yours (hereinafter referred to as „parent”) to express their consent in this regard at the bank, by accepting Terms and conditions of use for the BT Pay Kiddo functionality for minors aged 14-18 who have an account opened with BT (hereinafter „BT Pay Kiddo Terms for Minors with a BT Account”).

Even if your parent accepts the BT Pay Kiddo Terms for minors with a BT account on your behalf, we recommend that you also read these BT Pay Terms yourself or – if some words are unclear – together with your parent. We specify that, among the provisions in the section 3. What you can do in BT Pay from these BT Pay Terms, only those relating to transactions that can be carried out by minors over 14 years old apply to you, as described in chapter V - BT Pay Kiddo Features from the BT Pay Kiddo Terms for minors who have a BT account. We also mention that the processing of your personal data is carried out in accordance with the notice prepared especially for you: Privacy notice on the processing in BT Pay of personal data of minor users over 14 years old who have a BT account

If you do not agree with any of the provisions of the BT Pay Terms that apply to minor users or if you refuse to have your personal data processed as we have informed you through Privacy notice on the processing in BT Pay of personal data of minor users over 14 years old who have a BT account, please do not access, browse or use the application, nor the software, services, information, materials or other such content included in the application.

BY CLICKING THE "BUTTONI AGREEBy clicking below, you agree to the use of BT Pay under the terms specified in the BT Pay Terms Applicable to Minors and in PRIVACY NOTICE REGARDING THE PROCESSING IN BT PAY OF PERSONAL DATA OF MINORS OVER 14 YEARS OLD WHO HAVE A BT ACCOUNT

D. If you are a minor client aged between 8 and under 18 and want to use BT Pay on your parent’s account:

In order to access/use in BT Pay the features for minor users who have a card issued in their name but linked to the parent's account (hereinafter referred to as "minors linked to the parent's account"), it is necessary for a parent/guardian/legal representative of yours (hereinafter "the parent") to express their consent in this regard at the bank, by accepting Terms and conditions of use for the BT Pay Kiddo functionality for minors attached to the parent's account (hereinafter "BT Pay Kiddo Terms for Minors Linked to the Parent's Account”).

If you are at least 8 years old but not yet 18, you can use BT Pay with a card issued in your name, but linked to your parent's account. Your parent must apply in BT Pay for you to gain access to the app and be issued a BT card.

Even if your parent accepts the BT Pay Kiddo Terms for minors linked to the parent's account on your behalf, we recommend that you also read these BT Pay Terms yourself, either alone or – if some words are unclear – together with your parent. We specify that, among the provisions in the section 3. What you can do in BT Pay from these BT Pay Terms, only those described in chapter V apply to you - BT Pay Kiddo Features from the BT Pay Kiddo Terms for minors attached to the parent's account. We also mention that the processing of your personal data is carried out in accordance with the notice prepared especially for you: Privacy notice on the processing of personal data of minor users in BT Pay attached to the parent's account.

If you do not agree with any of the provisions of the BT Pay Terms that apply to users under 14 years old or if you do not wish your personal data to be processed as we have informed you through Privacy notice regarding the processing of personal data of minor users in BT Pay attached to the parent's account, please do not access, browse, or use the app, nor the software, services, information, materials, or other content included in the app.

If at any time after registering with BT PAY you decide that you no longer agree with these BT Pay Terms, please uninstall the app.

BT Pay Terms set out how you can use the cards issued by Banca Transilvania (hereinafter referred to as BT Cards”), cards issued by other financial institutions in Romania, under the Visa, MasterCard, Maestro brands, enrolled in the 3D Secure service (hereinafter referred to as „Non-BT cards”) and the cards issued by BT Direct (hereinafter referred to as „BT Direct Cards”), as well as access to accounts opened in the client’s name at Banca Transilvania. The BT Pay terms are supplemented by the provisions of Banca Transilvania’s General Business Conditions applicable to Individuals and Legal Entities (hereinafter referred to as „CGA”), as well as with the official regulations of loyalty programs and installment payment without interest, in the case of credit cards.

All these documents are available on the bank’s websites – www.bancatransilvania.ro and www.starbt.ro.

To use BT Pay, and to view and/or benefit from the services it offers, you must be a BT client (current account holder) and/or hold at least one BT or BT Direct debit or credit card, issued to an individual and/or legal entity.

By registering in the app/starting to use the app, you confirm that you meet the legal requirements and that you have not been prohibited from using a service of the type offered by BT Pay. BT makes every effort to prevent improper use of this app and its features. The bank will monitor the way the app is used to ensure that it complies with these BT Pay Terms and that the services are not used abusively or in violation of legal provisions.

How to access BT PAY?

BT PAY is a secure mobile banking application accessible via a mobile phone with an Internet connection. The app can be used on devices with iOS and Android operating systems and must be installed from the dedicated stores (Google Play Store for Android, Huawei App Gallery for Huawei phones without access to Google services, and the App Store for iOS).

In case the bank runs specific campaigns during which BT Pay users are given the option to send personalized links to download the app, BT Pay can also be downloaded by the recipients of the link through this method (campaigns Invite friends to BT Pay). You will be redirected to the dedicated stores (Google Play Store – for Android, Huawei App Gallery – for Huawei phones without access to Google services, and App Store for iOS) to download the app.

In certain situations, the Bank may run prize campaigns, during which individuals who install BT Pay by accessing a personalized link received from BT Pay users can benefit from prizes mentioned in the respective campaign’s rules, if they meet the eligibility criteria. The campaign rules will be available on the bank’s website – www.bancatranilvania.ro, where it can be consulted.

Users can also use and add BT and non-BT Cards and access the app’s features, described in detail in the guides specific to each operating system:

www.bancatransilvania.ro/wallet-bt-pay/ghid-ios;

www.bancatransilvania.ro/wallet-bt-pay/ghid-android

1. Opening a business relationship with Banca Transilvania through BT Pay

To accommodate those who wish to open a business relationship with BT, the bank offers Romanian adult individuals the possibility to become BT clients holding a current account directly through the BT Pay mobile app.

To apply for opening a business relationship with BT through BT Pay, the aforementioned individuals must hold an identity document issued in Romania, such as an Identity Card (CI) or Electronic Identity Card (EC). For Romanian citizens residing abroad, enrollment in the application can also be done based on a Romanian passport issued to Romanian citizens living abroad, provided it is valid.

Business relationship opening requests initiated through BT Pay can be:

Approved immediately after completing the application process to open the business relationship through BT Pay;
Approved within the next hours or the next business days after completing this application process;
Rejected, in certain situations.

Regardless of the final decision from the Bank, the applicant is informed directly in the app via a push notification.

Applying to open a business relationship with the bank through BT Pay requires acceptance of these BT Pay Terms and involves the processing of personal data as specified in specific privacy notice.

2. Authentication in the app

User registration in the Application will be carried out by the bank applying the strong customer authentication procedure, as defined in the applicable payment services legislation.

Registration involves the processing of personal data, as we detail in privacy notice dedicated to the processing of personal data for identification purposes in BT Pay.

After registering with BT Pay, depending on the user’s category—whether they are an individual bank client holding a current account or a card user—they will have access either to all the app’s features or only to some of them, as specified in the relevant guides mentioned above.

Clients holding accounts opened at Banca Transilvania – Italy Branch, who have enrolled in the BT Pay Italia app using a Romanian-issued identity card and who have accounts/deposits opened at Banca Transilvania Romania, will be able to view and perform transactions from their Banca Transilvania Romania accounts/deposits as well.

3. Card registration

Users find the following types in BT Pay cards issued in the name of an individual or legal entity:

A. BT Cards

BT cards issued in the name of an individual are automatically registered in BT Pay as soon as the person successfully completes the necessary steps to use the app/uses the App and can be used in the BT Pay app even if the user has not yet received the physical card. The user can receive the physical card either by requesting it via courier or by picking it up from Banca Transilvania’s local branches within the timeframe established in the Bank’s General Terms and Conditions of Business.

The card(s) are automatically activated after successfully completing the registration steps in BT Pay, if activation has not been previously done at a BT ATM. If the client receives the physical card after activating it in the BT Pay app, the following steps must be performed:

The card is reissued at maturity – the user must perform a first “Change PIN” operation with the physical card from the ATM menu – “PIN Management.” During this operation, the existing card PIN and a new PIN will be requested, which can be the same as the existing card PIN. In the exceptional case that the user receives an error at the end of the “Change PIN” operation, they should request from the bank a free reissue of a new activation code, after which the standard BT ATM card activation steps follow.
The card is newly issued or reissued upon request - activation of the physical card at a BT ATM and setting a PIN code for the issued/reissued card are required.

For phones with the Android operating system and built-in NFC technology, for making contactless (NFC) payments, registering and validating the card results in the allocation of a payment token (an alternative card number) to that card, which will be associated with the card on that phone.

The card available in BT Pay can be added by the user to the Google Pay solution, directly through the BT Pay app. The user will also be subject to the Terms and Conditions for using cards issued by Banca Transilvania in Google Pay.

For phones with the iOS operating system, card data validation takes place without assigning a payment token, as the token is only required for NFC payments.

To make NFC payments at merchant terminals, users with an iOS device can add their card available in BT Pay to Apple Pay directly from the App. Users will also be subject to the Terms and Conditions for using Banca Transilvania-issued cards in Apple Pay.

B. BT Direct Cards

BT Direct cards issued in the name of an individual are automatically registered in BT Pay as soon as the person successfully completes the necessary steps to use the app/uses the App, without the need to manually enter the card details.

The user will be able to use the BT Direct card available in the BT Pay app to perform the following operations: viewing the card balance, the history of transactions made with the card, making contactless payments to merchants (for users with Android devices), enrolling cards in the Apple Pay solution (for users of iOS devices), enrolling cards in the Google Pay solution (for users of Android devices), confirming (approving or rejecting, as applicable) online payments via BT Pay.

C. Non-BT Cards

BT Pay users who have registered at least one BT card in the app can also add non-BT cards to BT Pay by manually entering their details, namely card number, full name, expiration date, and CVV code (the 3-digit code on the back of the card).

User authentication for accessing and using BT Pay

The app can only be used if the phone is secured with a password, fingerprint, or another security method available depending on the phone type. When registering in BT Pay, the phone’s security is checked. Afterwards, each time the app is accessed, the phone’s security is verified.

The chosen security method will also be used in certain situations for authorizing contactless payments, online payments, ATM withdrawals, transfers, additional card settings, as well as other options that may require authentication.

After the user sets the security code (PIN) for BT Pay, it will be used to authenticate and authorize transactions within the app. Android users will still have the option to use their phone's security method when paying with the BT Pay app at merchants, without having to open the app (if they have the payment method set to unlock the phone). If the user has enabled device unlocking using biometric data (e.g., Face ID, fingerprint), after setting the security code, they will have the option to activate authentication based on the biometric data saved on their phone.

You agree and understand that you are responsible for maintaining the confidentiality of the login data associated with the use of BT Pay and for taking all reasonable measures to keep this information confidential.

You agree to notify Banca Transilvania immediately, without undue delay, whenever you become aware of the loss, theft, illegal appropriation, or unauthorized use of your Login Data, as well as the mobile phone you use to access BT Pay. You also agree to notify Banca Transilvania immediately, without undue delay, in the same manner, regarding any other security breach related to the Service of which you become aware.

Banca Transilvania may suspend the use of your Login Data or Account if it suspects a security breach or unauthorized or fraudulent use.

Banca Transilvania will inform you in advance or, if this is not possible, immediately after suspending the use of your login data or Account, specifying the reasons for the suspension, unless providing this information could compromise reasonable security measures or violate the law. Banca Transilvania will reactivate your Login Data or Account or provide you with new Login Data or a new Account as soon as possible after the reasons for the initial suspension have been resolved.

If you are a BT current account holder, a BT Pay app user, and you have other persons authorized with a single signature (single-signature authorized representatives) designated on your accounts, to whom you grant authorization rights in BT Pay as well, you confirm and agree that these persons will have the ability to:

to view current accounts/savings accounts/term deposits, including balances and transaction history for these accounts, to generate account statements, and to share the accounts' IBANs
to make through BT Pay, on your accounts, the following types of transactions: transfers from current accounts, currency exchanges in the currencies in which you have open accounts, setting up recurring payments
to open, manage and close savings accounts and deposits.
to view and use the bill payment feature

You are fully responsible for the access rights and transactions you have granted in BT Pay to the persons authorized to use your accounts opened with the bank.

Also, you are solely responsible for any use of the BT Pay app by other people if you allow them access to the app by sharing your PIN code, access data, or the device on which the app is installed, or if, through negligence, you fail to maintain the confidentiality and security of these authentication elements.

If you have been granted access in BT Pay to the accounts of other BT individual clients, whether adults or minors, for which you are authorized to operate (proxy), you are obliged to use these rights exclusively within the limits of the mandate granted, in accordance with the applicable legal and contractual provisions.

What do you agree to by registering for/using BT PAY?

By registering for/using BT Pay, the user understands and agrees that:

any card issued in their name or issued in the name of an additional card user (designated holder) and linked to their account will be accessible in the Own Application
any card issued in their name that is registered in the App, including the data and transaction history made with/through these cards and/or accounts, can be viewed in BT Pay by the user themselves and, for designated cardholders' cards, also by the account holders to which the cards are linked, in the app used by the latter;
the data of any account opened in their name at BT (if applicable) and registered in BT Pay, including the transaction history carried out through it and the related statements, will be visible in BT Pay to the user who is the account holder, as well as to authorized persons, if the holder has granted them access in BT Pay,
Any card and/or account registered in BT Pay can be used to carry out financial transactions, according to the BT Pay functionalities detailed in the Application User Guides, and the use of those functionalities involving debiting or crediting amounts to accounts is the responsibility of the account holder, regardless of whether they are performed by the account holder, an additional card user, or an authorized person with operating rights on the account (proxy) to whom the account holder has granted access rights in BT Pay;
certain features of the Application will be accessible only to certain categories of users and/or after additional verifications, as detailed in these BT Pay Terms and/or in the BT Pay User Guides.

What can you do in BT PAY?

The features available in BT Pay are detailed in the following guides ("BT Pay User Guides"), which the user is required to consult and acknowledge:

www.bancatransilvania.ro/wallet-bt-pay/ghid-android - BT Pay User Guide for Android Devices)
www.bancatransilvania.ro/wallet-bt-pay/ghid-ios. - BT Pay User Guide for iOS Devices

The features presented in the guides may be modified or supplemented with new ones and may vary depending on the device's operating system. The features available on a given date are those indicated in the current version of the guides as of that date.

Fees, as well as the maximum daily transaction limit for operations that the user can perform in the BT Pay app, are mentioned on the website www.bancatransilvania.ro.

The use of BT Pay features is subject to the provisions of General Business Conditions of Banca Transilvania applicable to the individual client at the time of use.

The main features of the Application are presented below:

Accounts feature

From the "Home" section of the App or, as applicable, from its Products – Accounts section, the BT Pay user will have available/will be able to perform the following in the App:

viewing all active accounts and their balances;
viewing cards linked to each account;
transfers between own accounts;
making transfers in RON (interbank and intrabank);
making transfers via RoPay Alias; viewing transaction history and pending transfers;
distribution IBAN;
currency exchange; For currency exchanges exceeding the amount of 100,000 EURO / USD / GBP versus RON, or 25,000 EURO (or equivalent) for other currency pairs, the Bank offers the possibility to negotiate the exchange rate using alternative channels;
current account opening in RON or another currency;
making foreign currency transfers (interbank and intrabank; for more information, see: Transaction Processing Schedule);
accessing account statements available for accounts added in the BT Pay app. These can be previewed or downloaded in PDF format;
making recurring payments
view active garnishments on BT accounts.
closing a subaccount.

closing a current account. The use of this service is subject to Terms and Conditions applicable to it.

The individual user can perform transactions, according to their rights, on current accounts, whether or not they have an attached card, including on accounts linked to credit cards and other types of accounts, such as deposit/savings accounts. The user's accounts opened with the bank will be automatically added after registration in BT Pay.

Cards functionality

Viewing and managing cards

From the "Cards" section of the App or, as applicable, from its Products – Cards section, the BT Pay user can view and manage BT cards and, as applicable, non-BT cards registered in the App.

Also, for users with Android operating system devices, cards will be available for payment at POS terminals.

Round Up product

Certain categories of app users (such as, but not limited to: those identified as individual bank clients, holders of a current account in RON with at least one own card issued in RON currency, added to BT Pay) will be able to access the Round Up product from the "Cards" section of the App and activate the option on their main current account in Lei. The option is activated at the account level. All payments made with cards linked to that account will benefit from this option.

Accepted payment transactions for the Round-Up service are:

Payment with debit card or via wallet-type apps made at a POS;
Payments made online using the debit card;

Payments made from the overdraft, as well as transfers from the current account (scheduled or not), cash withdrawals with the debit card, and bill payments at ATMs will not be rounded. Also, payments made with the BTDirect card and payments with the BT meal voucher card will not be rounded.

The minimum untouchable balance is 30 lei, which means that rounding cannot be performed if the ledger balance of the source account is less than or equal to 30 lei.

The use of this service is subject to Terms and Conditions applicable to it.

Card issuance for additional user (designated holder)

The use of issuing an additional card is subject to Terms and conditions applicable to this service.

Recurring Payments functionality

Bill Payment Service

The app user, identified as an individual and a bank client, can access the service Bill Payments within the functionality Payments recurring, available in the app's navigation bar. This service allows individual users to pay utility bills directly from the App. The service offers the possibility to:

a. Payment of invoices to suppliers available in the service. Payments can be made by one or more of the methods below, depending on the options provided by each supplier:

- Linking the account associated with an approved utility provider;

- Scanning an invoice received from an approved utility provider, without the configuration mentioned above;

-Payment by bank transfer by manually filling in the supplier's details

b. View of the payment history made to approved suppliers;

Using Bill Payments is subject to Terms and conditions applicable to this service and personal data processing conditions its specifications.

The Bill Payments service is offered within the app, but the user may choose not to use the service or may opt out of the activated paid options at any time, without this affecting their ability to use the other features of BT Pay.

BT Pay users will be able to stop using the Bill Payments service by deleting/disconnecting all connected providers and disabling any active payment options.

“Savings” feature

Within the Savings feature, the user can view their savings products held at Banca Transilvania, open other deposits/savings accounts available in the bank's offer, and close them through the application.

Also, the user can download the Interest Income Statement, which includes all income received from interest on deposits and savings accounts for the selected fiscal year, or account statements available for savings accounts or term deposits.

The opening of deposits/savings accounts is subject to the Terms and Conditions applicable to each of these products, as follows:

“Investments” feature

Purchase and management of fund units

From the "Investments" section, the app user, identified as an individual client of the bank holding an investment account, will be able to: (a) become an investor in the investment funds managed by BT Asset Management SAI, by signing the brokerage contract with BT; (b) choose the desired investment fund from those available; (c) buy/sell Fund Units (FU); (d) set up a recurring investment through the service "Direct Invest”; (e) to view transactions in process; (f) to check transaction history; (g) to generate portfolio statements, transaction confirmations, ex post cost reports, fund statements, recorded gains and/or losses; and (h) to view details about investment funds managed by BT Asset Management SAI (e.g., the fund’s performance chart over the last 5 years).

“Pensions” feature

Acquisition and management of voluntary pensions

The app user, identified as a bank client, individual, account holder, who used an identity card issued in Romania to activate the BT Pay app, can become a participant in the voluntary pension fund(s) managed by BT Pensii SA, provided they sign the membership agreement for each fund. The user will be able to set a recurring monthly contribution, modify or cancel the contribution, view the contribution history and balance, the number of allocated fund units, generate account statements, and also view details about the voluntary pension funds managed by BT Pensii SA (e.g., NAV, performance over the last 5 years). You can find more information here.

“Loans” functionality

Viewing and managing owned loans

The app user identified as a bank client, an individual who has a loan, can view in BT Pay, under the “Loans” feature, details about non-card loan products held at Banca Transilvania (e.g. due date, amount payable, repayment schedule, any outstanding amounts, attached insurance policies, fees, any delays).

In case BT credit cards, the setup of automatic payments for monthly obligations (minimum and maximum payment amounts) will be made from the cardholder's current account, with the payment executed on the due date. If the due date falls on a non-business day, the monthly obligation will be debited on the preceding business day. If the user has multiple current accounts, the first account opened at the bank will be debited, or all the client's current accounts will be debited.

If the BT card top-up or the automatic payment option setup is done outside the Monday – Saturday, 9 a.m. – 7 p.m. timeframe or on non-working days, the top-up and option registration will be processed 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 timeframe, the user understands that the monthly payment obligation will not be fulfilled on time.

The user can pay for an online purchase from their mobile phone by selecting the "BT Pay" payment method directly on the merchant's page. If the chosen payment method is a credit card, the user can opt to pay with STAR points or in installments by selecting the number of installments available on the merchant's site. Then the user selects the card and confirms the transaction via biometrics (FaceID, fingerprint).

Partial early repayment of outstanding loans

The BT Pay application user, an individual, who holds an active loan at Banca Transilvania and has the status of loan holder, will be able to access the partial early repayment functionality of the loan, provided that the criteria set out in the early repayment policy of loans in BT Pay of Banca Transilvania are met.

The user can initiate the partial early repayment operation of the loan from the BT Pay application, by accessing the "Loans" section and selecting the "Partial early repayment" option.

This service allows the BT Pay user to perform online simulations of partial early loan repayment and to submit partial early repayment requests.

These operations can be performed on business days (Monday – Friday), between 8:00 AM and 6:00 PM.

To submit the partial early repayment request, the BT Pay app user confirms the transaction and logs into the app using a secure method: Face ID, fingerprint, or passcode, depending on the settings chosen in BT Pay.

Taking out a personal loan

The app user identified as a bank client, an individual, who meets the eligibility criteria set by the bank will be able to access the "Apply for a personal loan Simulate a loan 100% online" feature in the "Loans" tab.

Through this functionality the user can perform a simulation for a personal loan and can obtain a personal loan 100% online provided the eligibility criteria of the bank are met.

Using this feature involves processing personal data as specified in Privacy notice on the processing of personal data for obtaining a BT personal needs loan 100% online

Applying for a credit card/increasing the credit card limit

Applying for a credit card

Certain categories of app users (such as, but not limited to: those identified as individual resident clients of the bank who have a BT debit card issued on their personal account added in BT Pay, excluding the BT meal card) can see the option to apply for a credit card in the app. This service allows the user to initiate a credit card application and, if the criteria in BT’s lending policies are met, to receive the card and the associated credit line.

Using this feature involves processing personal data as specified in Privacy notice on the processing of personal data for obtaining a BT credit card exclusively online.

Increasing the credit card limit

Certain categories of app users (such as, but not limited to: those identified as individual resident clients of the bank who have a BT debit card issued on their personal account added to BT Pay, excluding the BT meal card), who hold a STAR Forte, STAR Gold, BT Flying Blue Classic, or BT Flying Blue Premium credit card issued as the primary cardholder, can view in the app the option to increase the credit line for the product they hold. This service allows the user to initiate a credit line increase request and, if the criteria in BT’s lending policies are met, to obtain an increase of the credit line associated with their product.

Using this feature involves processing personal data as specified in Privacy notice on the processing of personal data for obtaining a BT credit card exclusively online.

Overdraft credit line application/increase

Certain categories of app users (such as, but not limited to, those identified as individual resident clients holding a BT debit card issued on their personal account added to BT Pay, excluding the BT meal card) can see the option to apply for an overdraft if they do not already have this product with BT. This service allows the user to initiate an overdraft application and, if the BT lending policy criteria are met, to be granted the overdraft.

For user categories of the application (such as, but not limited to, those identified as individual resident clients of the bank who have a debit card issued on their personal account added in BT Pay, excluding the BT meal card), who hold an overdraft (cash reserve/account overdraft) at BT, the option to increase the credit line can be viewed in the application. This service allows the user to initiate a request to increase the credit line on the current account and, if the criteria in BT's lending policies are met, to obtain an increase of the credit line on the current account.

Using this feature involves processing personal data as specified in Privacy notice regarding the processing of personal data for obtaining/increasing an overdraft exclusively online, exclusively online.

“Insurance” feature

Travel insurance

The user of the app identified as an individual client holding a current account can access the “Travel Insurance” option in the BT Pay app. Through this option, if certain criteria are met, the client can view a travel insurance offer tailored to their needs based on a needs analysis and can purchase the travel insurance directly from BT Pay. The user will also be able to pay for the travel insurance in installments using Star cards issued by Banca Transilvania. After the policy is issued, the client will receive the policy along with the full set of documents specific to this insurance at the email address provided.

Home Insurance

The user of the application identified as a retail banking client and current account holder can access the "Home Insurance" option in the BT Pay app. Through this option, if certain criteria are met, the client can purchase voluntary home insurance and PAD insurance directly from BT Pay, provided there is no active PAD associated with the respective property.
The user will be able to pay the home insurance in installments, using Star cards issued by Banca Transilvania.
After issuing the policy, the client will have the option to share the policy along with the complete set of documents specific to this insurance.

Credit card & overdraft insurance (credit line)

The user of the application identified as a bank client, an individual who holds a credit card or has an overdraft facility, can access the “Credit Line Insurance” option in the BT Pay app. Through this option, if certain criteria are met, the client can view, based on a needs analysis, the credit line insurance offer suitable for them and can purchase the insurance directly from BT Pay. After completing the process, the client will receive the full set of documents specific to this insurance at the email address provided.

“Auto” functionality

RCA Insurance

The user of the app identified as a retail banking client and current account holder can access the “RCA Insurance” option from the BT Pay app. Through this option, the client can view RCA insurance offers suitable for their car and purchase the RCA insurance directly from BT Pay. The user will also be able to pay for the RCA insurance in installments, using Star cards issued by Banca Transilvania. After the policy is issued, it is available for immediate download or from the RCA section menu in the BT Pay app.

At the same time, the client will receive notifications regarding the insurance policy expiration: one notification 30 days before the insurance expiration date and another notification 7 days before.

The issuance of the RCA insurance policy is subject to Terms and conditions applicable to this service and the specific Personal Data Processing Conditions for it.

Road toll

The BT Pay app user identified as a bank client, an individual current account holder, will have the option to purchase a Road Toll Sticker (Rovinieta) for the territory of Romania. This option allows the purchase or renewal of the Road Toll Sticker for different vehicle categories, over various time periods. The user acknowledges that these transactions are irreversible and assumes responsibility for the accuracy of the data entered during the Road Toll Sticker purchase process.

The use of this service is subject to Terms and Conditions applicable to it.

“FunctionalityTop up phone card and purchase eSIM

Mobile Top-Up

BT Pay users (except those who only hold meal voucher cards) can top up a prepaid phone card for phone numbers from providers available in the app by entering the phone number to be recharged. The user acknowledges that these transactions are irreversible. The user assumes responsibility for the accuracy of the entered phone number and confirms they have the phone number holder’s consent to use it in BT Pay for topping up the card.

ESIM Purchase

The eSIM service available through the BT Pay app allows users to purchase and activate mobile data plans provided by an external partner on devices compatible with eSIM technology.

BT Pay only facilitates access to this service. The provision of data traffic, network coverage, service quality, and technical support related to eSIM plans are entirely the responsibility of the partner telecom provider.

By purchasing an eSIM plan, the user agrees to the specific terms and conditions of the provider, displayed in the app during the activation process.

“Kiddo” feature

BT Pay Kiddo for minors with a BT account

The primary user of the app, identified as an individual client of the bank, can activate the BT Pay Kiddo option for minors who have a BT account directly from the BT Pay app. This allows the user to grant the minor child they represent, aged between 14 and 18 years and holding an account at BT, permission to use the BT Pay app via the card issued in the minor’s name, linked to the minor’s account. The use of this feature is subject to Terms and Conditions applicable to this service.

BT Pay Kiddo for minors linked to the parent's account

The primary user of the application identified as an individual client of the bank can activate the BT Pay Kiddo option for minors linked to the parent's account directly from the BT Pay app, allowing their minor child, aged between 8 and under 18, permission to use the BT Pay app via the card issued in the minor's name, linked to the parent's account. The use of this feature is subject to Terms and Conditions applicable to this service.

Other BT Pay features

BT Pay Chatbot

The BT Pay app user can receive assistance regarding the app and its features through the chatbot integrated in BT Pay. The chatbot provides automatically generated answers, using artificial intelligence (AI) techniques, to general questions. Although we strive to constantly improve the AI-generated content, the answers may contain errors, inaccurate or outdated information. For this reason, we strongly recommend BT Pay users to use this content only as a starting point for further research and consultations. If the automatically generated information for general questions does not provide the expected answers, the user has the option to enter a live chat conversation with an employee (human operator).

Identification option in BT Pay

BT individual clients who use BT Pay will have the option, during a phone call initiated to/from the Call Center or, as applicable, during transactions carried out at BT branches or when starting to use other applications provided by the bank or other entities within the BT Financial Group, to be identified through the Application installed on the phone number registered with the bank. Clients who choose this identification method will receive a push notification sent to BT Pay, from where they can accept or decline the identification, or identify themselves using the phone unlock method/security code used for BT Pay.

“Add money to BT” option

The app user, a retail banking client, can access the "Add Money to BT" option, which allows them to transfer their salary or other amounts from an account held at another financial institution, linked to a non-BT card enrolled in BT Pay, to an account linked to a BT card already registered in the app, with the desired recurrence. When activating this option, the user must ensure that the available balance in the non-BT account from which the amounts are to be transferred to the BT account is sufficient to carry out the desired recurring operation. Transfers will be made with the set recurrence and chosen amount only if there is sufficient balance in the non-BT account on each of the scheduled dates for the recurring transfer.

Invite a Friend option

This option allows the BT Pay user, a legal adult and holder of a current account opened with Banca Transilvania, to recommend, on their own initiative, certain products and/or services offered by Banca Transilvania, including as part of active promotional campaigns available in the app. The invitation can be sent both to individuals who do not have a business relationship with Banca Transilvania and to those who are already clients of Banca Transilvania and users of the BT Pay app, for the purpose of purchasing or using the products and/or services indicated by Banca Transilvania within the respective campaign.

Card saved with merchants

The user has the option to manage the bank cards linked to their account, according to their type:

1. For BT VISA cards: the BT Pay app user identified as a BT client, an individual current account holder, will be able to view:

a. In the "Card saved with merchants" section, the list of accepting merchants on whose websites/apps the card data has been saved for future payments and who store this information in the form of a token;

b. In the "Recurring Payments" section, subscriptions and recurring payments associated with the card saved on merchants' websites that store card information both as a token and as card data.

Information about the card saved in merchants' apps/websites will be available for viewing in BT Pay within a maximum of 48 hours from the moment of saving.

Users will be able to view in the "Card saved with merchants" section the most recent transaction from the last 13 months for each merchant.

Users will not be able to activate, modify, or cancel card-related service subscriptions through BT Pay. Any such changes must be made directly on the merchant's website.

The service offers the possibility to block future transactions for up to 60 months from the list of any card saved online with the merchants mentioned above. However, blocking future transactions does not automatically mean deleting the card issued on the user's account from the merchant's website.

Thus, after blocking future transactions for upcoming payments initiated on the merchant's website for which the transaction block was requested, it will be necessary to reactivate payments for that merchant in BT Pay.

Blocking future transactions via BT Pay under the conditions indicated above will not automatically terminate the contractual relationship between the user and the merchant, nor will it block future attempts to debit the account initiated by the merchant through another payment method. In this regard, the user is advised to permanently delete the card from the merchant's app/website after blocking future transactions as per this section.

2. For BT MASTERCARD cards: the BT Pay app user identified as a BT client, an adult individual current account holder, will be able to view:

a. In the "Card saved with merchants" section, the list of accepting merchants on whose websites/apps the card data was saved for subsequent payments in the last 3 months and who store this information as a token;

b. In the "Recurring Payments" section, subscriptions and recurring payments associated with the card saved on merchants' websites in the last 3 months, which store the card information both as a token and as card data.

To request the deletion of saved bank card information or to terminate an active subscription concluded with a merchant, it is necessary that the procedure be carried out through the merchant's official platform (website or mobile application). These actions must be performed in accordance with the procedures established by the merchant, since only through their own channels can the individual users' requests be properly identified and processed.

RoPay Service

By activating the RoPay Alias service, the user of the BT Pay app – an individual, client of Banca Transilvania and holder of a personal current account added in the app – can make fund transfers in lei (RON).

At the time of activating the RoPay Alias service, the user selects the BT account on which to activate the alias (the registered phone number), and this account becomes the sole account through which both sending and receiving amounts via RoPay Alias are carried out.

Transfers (sending and receiving money through your BT account) can be made either by using the phone number or the QR code generated or scanned via the BT Pay app.

RoPay Alias service is offered within the app, but the user can opt out at any time without affecting their ability to use other BT Pay features. A BT Pay user can stop using the RoPay Alias service by deleting the alias previously added in BT Pay.

Use of RoPay is subject to Terms and conditions applicable to this service and the specific personal data processing conditions.

By using the RoPay service, the user agrees to the general terms and conditions for instant payments between banks in Romania

Click to Pay

This service is provided by the payment organizations Visa and Mastercard to users of cards issued under the logos of these Payment Organizations. Through this service, when initiating online transactions/at online stores on the internet, the card details associated with the e-mail address in relation to the Bank (card number, user name, expiration date, and CVV/CVC code) are automatically retrieved before Transaction Authorization. The use of this functionality is subject to the applicable Terms and Conditions:

Declarations and warranties

At the time of registering/starting to use BT PAY, you declare and guarantee the following:

you have the right, authority and full exercise capacity (valid only for adult users) for accessing and using the application;
you are the holder of the cards issued by Banca Transilvania and/or of the accounts to which they are linked, as well as the holder of cards issued by other financial institutions in Romania that you have registered in the BT PAY app;
you are responsible for how the persons authorized by you use the application, bearing any damages resulting from their improper use;
you are required to maintain a phone unlocking method as long as the BT Pay application is installed on the phone;
you will not disclose your phone unlock password/security code to any third party, as by revealing it you expose yourself to the risk of your cards being used for payments by others. You are solely responsible for maintaining the confidentiality and security of the data entered in the BT Pay app and the phone unlock password/BT Pay security code. Furthermore, you are responsible for any activities of any kind that take place in your account;
if you have chosen to enable biometric data for authentication in BT Pay, you will not allow the registration of biometric data – fingerprints or Face ID – belonging to other people on the phone, considering that in this case, accessing the app and authorizing transactions could be done with any of the biometric data added to the phone
you will notify us immediately of any unauthorized use of the application installed on your phone number or of any breach of the phone's security or login data for the application that you become aware of or that you reasonably should suspect.
you assume full responsibility in the event that the phone number you entered/selected in BT Pay or the IBAN code you entered, to which you instructed the bank to transfer/request funds, is incorrect or does not belong to the person you intend to transfer/request the funds from;
you assume full responsibility in the event that the phone number you entered/selected in BT Pay, to which you instructed the bank to send the code required for cardless cash withdrawal, is incorrect or for which you requested the loading of a phone card does not belong to the person you intended to send the code to/load the phone card for, or if this code was subsequently forwarded by the recipient to another person;
you assume full responsibility in the event that the phone number entered in BT Pay for recharging a phone card does not belong to the person you intended to recharge or the phone card of another person has been recharged;
you assume full responsibility for registering your own cards (BT or non-BT) in the BT Pay app, for carrying out any transactions with them (including authentication/rejection of online payments), regardless of the device on which the app where you authorized the registration of this card is installed;
you assume full responsibility for distributing, through any distribution channels, links and/or promotional messages for campaigns that may be conducted via the BT Pay app and guarantee to the bank that you will not misuse these distributions;
you will not share the OTP code received on your phone number with third parties for adding the card to BT Pay and/or unlocking various features, including permission to authorize online payments;
you will notify us in case of loss, theft, unauthorized access, or misplacement of the mobile phone on which the BT Pay app is installed, as soon as you become aware of this situation. If you fail to fulfill the above obligation, you assume full responsibility for any and all transactions that unauthorized persons may carry out through the Application or as a result
you will uninstall the app if the phone on which you initially installed it no longer belongs to you or you no longer use it;
you will not falsify or provide false information about your identity or intentions regarding anything related to the application;
You are responsible for how you use the information generated by AI technology, provided as a response by the BT Pay chatbot to general questions asked.
you will not transmit, distribute or offer any information or materials that are wholly or partly illegal, false, fraudulent or inappropriate, offensive or that violate public order and good morals;
you will ensure and maintain the physical and logical security of the phone, according to the manufacturer's recommendations and good practices;
you will update your phone's operating system according to the manufacturer's recommendations and use only official versions of the operating system provided by the manufacturer;
you will not disable the security protections of the operating systems recommended by the phone manufacturer;
you will install BT Pay only from the dedicated stores - Google Play Store, Huawei App Gallery or App Store, Romania, published by Banca Transilvania;
you will not install applications from unofficial sources, as these could compromise the security of the application;
you will ensure that any data entered in the application is accurate and complete;
you will not violate any rights provided by law, property rights, intangible rights, privacy rights or personal data of others;
you will not use the app content to resell, distribute, or use the offered services;
you will not share the offers from the BT PAY app;
you will not misuse and/or act in bad faith and/or fraudulently with the BT Pay functionalities;
you will access via BT Pay only accounts opened in your name in physical activity monitoring apps and you will keep these data confidential;
confirm that you have read the provisions of these applicable BT Pay Terms, that you agree to them, and that you have acknowledged how it will be carried out
by using the Application you will not violate any law or regulation of the country where you reside and you are solely responsible for complying with all applicable local laws and regulations.

Termination or modification of BT PAY

Termination of BT PAY usage by the user may occur in the following situations:

a) at the user's initiative, by uninstalling the application from your device;

b) from the bank's initiative,

c) when the business relationship ends between the client and the Bank.

We may also suspend or modify BT PAY immediately, for any reason, including when repair or maintenance work is required. We may periodically add new features

We may modify these BT Pay Terms at any time by publishing the updated BT Pay Terms in the BT PAY application. In this case, users will be notified through the application and/or by another communication method using the contact details held by the bank at least two months before the effective date of the modification. From the moment of notification or, as applicable, from the date indicated in the notification as the date from which these BT Pay Terms are modified, the updated version will apply to all users. By exception, the two-month period mentioned in this section will not apply to contractual changes required by the implementation of new legal provisions, changes concerning service costs if these are more advantageous to the client, as well as the introduction of new functionalities in the BT Pay application, provided these do not involve additional costs for users, do not affect their rights or obligations, and can be used exclusively at the user’s option. In such cases, the changes will apply from the moment of notification or, as applicable, from the date indicated in the notification.

If you do not agree with the revised BT Pay Terms, you can uninstall the BT Pay application at any time, with immediate effect.

In case Additional Services made available in the application will be implemented, these services will be subject to the same rules and conditions contained in these clauses, in case they do not benefit from conditions distinct from these.

Intellectual property

The user expressly declares that they have acknowledged that all graphic design, application content, and accessed audio-video materials are the property of the Bank. The exception is information and graphic elements belonging to other entities, which are the property of the partners.

The user agrees that any software used in connection with the services offered in the application contains confidential and proprietary information, protected by intellectual property, industrial property laws, and other applicable legislation.

The user agrees not to reproduce, copy, sell, or exploit the services, information, and/or audio-video materials accessed through the use of this application, in whole or in part.

The user is prohibited from modifying, copying, leasing, assigning, lending, selling, distributing, or creating derivative materials based on the services or programs used within the application.

What we are not responsible for

We provide BT PAY for your personal use only. Not all BT PAY services will work with all mobile devices.

You agree that the application will not be delivered error-free or continuously, and that some imperfections will not be corrected at the time they occur.

The application user is responsible for using the application. Banca Transilvania cannot be held liable for the effects caused by the use of the application by the user or third parties, for the costs generated by the use of the application, or for third-party access to certain personal and/or confidential information or personal data through the application. To limit potential damages caused by third-party use of the application, Banca Transilvania recommends not to lend or give away your phone, not to disclose the device unlocking method/security code used for BT Pay, and not to share your card with others.

Banca Transilvania cannot control the operating system of the phone you use. Therefore, Banca Transilvania is not responsible for any damage caused to the mobile phone, including but not limited to any security breaches caused by viruses, errors, fraud, forgery, omission, interruption, malfunction, delay in operations or transmissions, computerized lines or network outages, or any other technical failure.

Thus, we will not be liable for any loss or damage that either we or you could not reasonably foresee at the time you started using BT PAY or that is beyond our control.

Also, we will not be responsible for:

no loss or damage (moral or material) caused by non-compliance with these BT Pay Terms;
the case in which the persons whose phone numbers have been entered into the application by you for making transfers based on phone number or for sending the code required for cardless cash withdrawal report the use of this contact data belonging to them;
its content or the services/discounts provided by STAR partners through the offers displayed in the BT Pay app, unavailability or outdated offers;
linking a non-BT card registered in the app with the selected account, within the Open Banking functionality, to display information correctly.
the accuracy of data from applications, the availability or reliability of any information, content, provided by any third-party application, for example physical activity monitoring applications. Therefore, we are not liable for any damages or losses caused or alleged to be caused by or in connection with the use of or reliance on such third-party applications.
health issues that could result from using these devices and applications, from the physical activity performed by the user.
any loss or corruption of your content or other data, if such loss or corruption is not caused by us or is not reasonably within our control. We also inform you that Banca Transilvania is not liable to you and/or third parties for any direct or indirect damages, including but not limited to loss of profit, unrealized gains and/or missed business opportunities, or any other similar losses you may suffer as a result of the unavailability of the application and services or the inadequate quality of the services.

Applicable law

The terms and conditions of use for the BT PAY application, as presented in this document, are and will be governed and interpreted in accordance with Romanian law.

In case of a conflict/disagreement related to the use of the application, we will try to resolve the respective conflict amicably, with negotiations governed by good faith.

All disputes will be resolved by the competent courts in the municipality of Cluj-Napoca, except in cases where the applicable law specifies another exclusive jurisdiction for you.

Specific provisions for USA users of BT Pay

If you are a US user of the BT Pay application (a user whose identity documents used within the identification/authentication process through the application were issued by the competent authorities of the United States of America), by accepting these Terms and Conditions you agree that:

(i) any complaints/dissatisfactions relating to the processing of your personal data (such as, but not limited to, biometric data) by the provider/third party service provider of identity verification services whose solutions are used within the aforementioned application (hereinafter referred to, for the purposes of this clause, as Onfido) SHALL NOT be subject to lawsuits/class actions submitted for resolution to the courts of the United States of America;

(ii) any complaints/dissatisfaction regarding the processing of your personal data mentioned at point (i) will be subject to an individual arbitration procedure;

(iii) the settlement by arbitration of any complaints/dissatisfactions regarding the processing of your personal data mentioned in point (i) in accordance with the provisions of point (ii) will be carried out in strict accordance with the arbitration procedure established by the provider/third party service provider of identity verification services (Onfido) as will be communicated by them.

Assistance

If you have any issues with BT Pay functionality, you can contact us:

To the phone number 0264.308.028 callable from any network, including international, 24/7 support

or through the Chatbot, from the contact section of the Application.

Force Majeure and Fortuitous Event

Banca Transilvania is not liable to the user for failure to fulfill any obligation in cases of force majeure/fortuitous events and, in general, in the event of circumstances beyond its control, as well as for the operation and connection of other national or foreign networks and for their activities and actions in general.

A case of force majeure/fortuitous event may be, for example but not limited to: state of war (declared or not), armed conflict, revolution, insurrection, military or terrorist actions or threats, sabotage, civil unrest, strikes or other labor actions, laws, regulations, decisions or directives, natural disasters, earthquake, fire, explosion, solar or meteorological disturbances, public emergencies or any other event beyond the bank’s control.

Press the button below, if you agree with the use of BT Pay under the conditions mentioned in these BT Pay Terms and in Privacy notice regarding the processing of personal data in BT Pay– if you are an adult user, respectively – if you are a minor user - in Privacy notice on the processing in BT PAY of personal data of minor users over 14 years old or, as the case may be, from Privacy notice regarding the processing in BT PAY of personal data of minor users linked to the parent's account